Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package)

The details shown below are for an owner occupier taking out a principal & interest loan of at least $5,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan of at least $5,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $5,000 with an LVR below 95%

The details shown below are for an investor taking out a interest only loan of at least $5,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $5,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $5,000

  • Investor (Principal & Interest)

    LVR < 95%

    Loan: $5,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $5,000

3.84% p.a.

4.67% p.a.

$395.00 yearly

Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package)

3.84% p.a.

4.67% p.a.

$395.00 yearly

3.94% p.a.

4.70% p.a.

$395.00 yearly

Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package)

3.94% p.a.

4.70% p.a.

$395.00 yearly

3.99% p.a.

4.95% p.a.

$395.00 yearly

Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package)

3.99% p.a.

4.95% p.a.

$395.00 yearly

4.09% p.a.

4.98% p.a.

$395.00 yearly

Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package)

4.09% p.a.

4.98% p.a.

$395.00 yearly

Mozo Review   Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package) Review

Last updated: 21 March 2019.

What's hot:
  • 3.84% fixed 3 year rate (4.67% comparison rate*)

  • Insurance discounts and $0 credit card or personal loan fee available

  • Free extra repayments and redraw

  • Multiple 2019 Mozo Experts Choice Awards

What's not:
  • $395 yearly service fee

  • Minimum $500 redraw

Mozo snapshot:

If you’re after a home loan that offers a bit more than a low rate, then you need to check out the multiple 2019 Mozo Experts Choice Award-winning Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package). This packaged loan comes with a competitive 3 year fixed rate of 3.84% (4.67% comparison rate*) and has a maximum LVR of 95%, so you’ll be able to borrow with as little as a 5% deposit. And if you sign up to the Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package), there’s a range of additional discounts up for grabs.

Key features:

The Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package) is all about delivering great value. With a 3 year fixed rate of 3.84% (4.67% comparison rate*), you can take comfort in always knowing your repayment amount, helping you stick to your monthly budget.

There’s also the flexibility to choose your repayment schedule or to take a repayment holiday if you ever need a break from your loan. And if you want to pay back your loan as fast as possible, there’s free extra repayments (up to $25,000) and the option to split your loan with another Newcastle Permanent home loan.

Now to the good bit. If you sign up to the Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package), you’ll receive a 5% discount on your car insurance and 10% off your home and contents, or landlord insurance. You also won’t have to pay an application fee if you decide to take out a personal or car loan with Newcastle Permanent, or an annual fee on your Newcastle Permanent credit card.

The only thing you’ll need to keep in mind is that the loan does not come with an offset account and has a minimum redraw of $500.


Who it's good for:

The Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package) is packed with value, making it a great choice for a homeowner looking to bundle their products with one lender.

Any catches?

While the Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package) is filled with discounts and awesome extras, you will have to budget for a $395 year fee.



Details

Rates and fees information correct as at 21 March 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 3.69% (4.76%*)

  • 3.74% (4.70%*)

  • 3.84% (4.67%*)

  • 4.09% (4.71%*)

  • 4.09% (4.69%*)

  • 7.49% (6.56%*)

  • 7.49% (7.04%*)

  • 4.45% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $0.00

Other financial bits
  • $5,000

  • none

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $25,000 p.a.

  • yes

  • yes - free

  • $500.00

  • yes

  • no

  • Settlement fee is variable and depends on Solicitor costs.

  • 5% discount on Comprehensive Car Insurance. 10% discount on Home, Contents, and Landlord Insurance.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 21 March 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 3.79% (4.77%*)

  • 3.84% (4.72%*)

  • 3.94% (4.70%*)

  • 4.19% (4.75%*)

  • 4.19% (4.73%*)

  • (*)

  • (*)

  • 4.45% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $0.00

Other financial bits
  • $5,000

  • none

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $25,000 p.a.

  • yes

  • yes - free

  • $500.00

  • yes

  • no

  • Settlement fee is variable and depends on Solicitor costs.

  • 5% discount on Comprehensive Car Insurance. 10% discount on Home, Contents, and Landlord Insurance.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 21 March 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 3.99% (5.09%*)

  • 3.94% (5.01%*)

  • 3.99% (4.95%*)

  • 4.39% (5.03%*)

  • 4.39% (5.00%*)

  • 7.59% (6.77%*)

  • 7.59% (7.20%*)

  • 4.79% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $0.00

Other financial bits
  • $5,000

  • none

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $25,000 p.a.

  • yes

  • yes - free

  • $500.00

  • yes

  • no

  • Settlement fee is variable and depends on Solicitor costs.

  • 5% discount on Comprehensive Car Insurance. 10% discount on Home, Contents, and Landlord Insurance.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 21 March 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.09% (5.10%*)

  • 4.04% (5.03%*)

  • 4.09% (4.98%*)

  • 4.49% (5.06%*)

  • 4.49% (5.04%*)

  • (*)

  • (*)

  • 4.79% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $0.00

Other financial bits
  • $5,000

  • none

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $25,000 p.a.

  • yes

  • yes - free

  • $500.00

  • yes

  • no

  • Settlement fee is variable and depends on Solicitor costs.

  • 5% discount on Comprehensive Car Insurance. 10% discount on Home, Contents, and Landlord Insurance.

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

How are Newcastle Permanent home loans rated by the Mozo community?

Overall customer rating
8.6/10
Price
8.5/10
Features
7.6/10
Customer service
8.6/10
Convenience
8.3/10
Trust
8.7/10
Newcastle Permanent

About Newcastle Permanent

Newcastle Permanent is an independent, mutual retail financial services provider which offers a genuine alternative to traditional banks. It has comprehensive range of retail banking products and services such as savings accounts, bank accounts, home loans, personal loans, credit cards, and insurance. Newcastle permanent also provides meaningful support for the communities it serves.

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3.79% p.a.

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3.69% p.a.

3.83% p.a.

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3.89% p.a.
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$520

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Reward Me Fixed Rate Home Loan - First Home Buyer Special

n/a

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4.14% p.a.
fixed 3 years

4.87% p.a.

$400

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UBank

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UHomeLoan (Fixed)

3.74% p.a.
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4.01% p.a.

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Tailored Home Loan (Fixed, Choice Package)

3.89% p.a.
fixed 3 years

4.92% p.a.

$0

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Bankwest

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Complete Fixed Home Loan (Package)

3.98% p.a.
fixed 3 years

4.52% p.a.

$250

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3.83% p.a.
fixed 3 years

3.64% p.a.

$850

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Bank of Queensland

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3.79% p.a.
fixed 3 years

4.51% p.a.

$450

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.