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Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package)

Advertiser disclosure
The details shown below are for an owner occupier taking out a principal & interest loan up to with an LVR below 80%
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 owner occupier taking out a interest only loan of at least $5,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest 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%
The details shown below are for an investor taking out a interest only loan of at least $5,000 with an LVR below 90%

Choose the version of this loan that suits you best

Availability Loan type LVR Min loan amount Max loan amount
Owner Occupier Principal & Interest < 80%
Owner Occupier Principal & Interest 80%-95% $5,000
Owner Occupier Interest Only < 80% $5,000
Owner Occupier Interest Only 80%-90% $5,000
Investor Principal & Interest < 80% $5,000
Investor Principal & Interest 80%-95% $5,000
Investor Interest Only < 80% $5,000
Investor Interest Only 80%-90% $5,000
  • Owner Occupier (Principal & Interest)
    LVR < 80%
    Loan:
  • Owner Occupier (Principal & Interest)
    LVR 80%-95%
    Loan: $5,000
  • Owner Occupier (Interest Only)
    LVR < 80%
    Loan: $5,000
  • Owner Occupier (Interest Only)
    LVR 80%-90%
    Loan: $5,000
  • Investor (Principal & Interest)
    LVR < 80%
    Loan: $5,000
  • Investor (Principal & Interest)
    LVR 80%-95%
    Loan: $5,000
  • Investor (Interest Only)
    LVR < 80%
    Loan: $5,000
  • Investor (Interest Only)
    LVR 80%-90%
    Loan: $5,000
Fixed 3 year rate
5.99% p.a.
Comparison Rate
7.59% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
6.09% p.a.
Comparison Rate
7.62% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
6.39% p.a.
Comparison Rate
7.70% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
6.59% p.a.
Comparison Rate
7.76% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
6.09% p.a.
Comparison Rate
7.85% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
6.19% p.a.
Comparison Rate
7.88% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
6.19% p.a.
Comparison Rate
7.88% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
6.29% p.a.
Comparison Rate
7.91% p.a.
Service fee
$395.00 yearly
Upfront fee
$0

Mozo editorial review Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package) - last updated: 12 February 2024

binocular icon
What's hot
  • 5.99% fixed 2 year rate (7.76% comparison rate*)
  • Insurance discounts and $0 credit card or personal loan fee available
  • Free extra repayments and redraw
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 Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package). This packaged loan comes with a competitive 2 year fixed rate of 5.99% (7.76% comparison rate*) for borrowers with an 80% LVR, but this loan has a maximum LVR of 95%, so you’ll be able to borrow with as little as a 5% deposit and receive a still competitive rate. 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, like a $3,000 cashback offer for refinancers.

key icon
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 5.99% (7.59% comparison rate*) for borrowers with an LVR of 80%, 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.



snapshot
Who is it 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.

question icon
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.


Also bear in mind, if you have an LVR between 80% and 95%, you will have to pay Lenders Mortgage Insurance. 

Details

Rates and fees information correct as at 21 April 2024. 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

n/a

n/a

n/a

n/a

6.29% (7.97%*)

5.99% (7.76%*)

5.99% (7.59%*)

5.99% (7.45%*)

5.99% (7.32%*)

n/a

n/a

7.82% p.a.

Fees

$0.00

n/a

$0.00

$0.00

n/a

$395.00 yearly

$250.00

Other financial bits

none

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. Rate Lock Option available for a fee of $750 per loan account.

$3,000 cashback when you refinance your home loan online, with at least $250,000 of new borrowing with Newcastle Permanent, LVR <80%. T&Cs apply.

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 April 2024. 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

n/a

n/a

n/a

n/a

6.39% (7.98%*)

6.09% (7.78%*)

6.09% (7.62%*)

6.09% (7.49%*)

6.09% (7.40%*)

n/a

n/a

7.82% p.a.

Fees

$0.00

n/a

$0.00

$0.00

n/a

$395.00 yearly

$250.00

Other financial bits

$5,000

none

80.00%

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. Rate Lock Option available for a fee of $750 per loan account.

$3,000 cashback when you refinance your home loan online, with at least $250,000 of new borrowing with Newcastle Permanent, LVR <80%. T&Cs apply.

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 April 2024. 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

n/a

n/a

n/a

n/a

6.69% (8.01%*)

6.39% (7.83%*)

6.39% (7.70%*)

6.39% (7.60%*)

6.39% (7.49%*)

n/a

n/a

7.82% p.a.

Fees

$0.00

n/a

$0.00

$0.00

n/a

$395.00 yearly

$250.00

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. Rate Lock Option available for a fee of $750 per loan account.

$3,000 cashback when you refinance your home loan online, with at least $250,000 of new borrowing with Newcastle Permanent, LVR <80%. T&Cs apply.

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 April 2024. 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

n/a

n/a

n/a

n/a

6.89% (8.03%*)

6.59% (7.87%*)

6.59% (7.76%*)

6.59% (7.67%*)

6.59% (7.58%*)

n/a

n/a

7.82% p.a.

Fees

$0.00

n/a

$0.00

$0.00

n/a

$395.00 yearly

$250.00

Other financial bits

$5,000

none

80.00%

90.00%

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. Rate Lock Option available for a fee of $750 per loan account.

$3,000 cashback when you refinance your home loan online, with at least $250,000 of new borrowing with Newcastle Permanent, LVR <80%. T&Cs apply.

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 April 2024. 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

n/a

n/a

n/a

n/a

6.39% (8.27%*)

6.09% (8.04%*)

6.09% (7.85%*)

6.09% (7.69%*)

6.09% (7.54%*)

n/a

n/a

8.16% p.a.

Fees

$0.00

n/a

$0.00

$0.00

n/a

$395.00 yearly

$250.00

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. Rate Lock Option available for a fee of $750 per loan account.

$3,000 cashback when you refinance your home loan online, with at least $250,000 of new borrowing with Newcastle Permanent, LVR <80%. T&Cs apply.

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 April 2024. 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

n/a

n/a

n/a

n/a

6.49% (8.29%*)

6.19% (8.06%*)

6.19% (7.88%*)

6.19% (7.73%*)

6.19% (7.59%*)

n/a

n/a

8.16% p.a.

Fees

$0.00

n/a

$0.00

$0.00

n/a

$395.00 yearly

$250.00

Other financial bits

$5,000

none

80.00%

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. Rate Lock Option available for a fee of $750 per loan account.

$3,000 cashback when you refinance your home loan online, with at least $250,000 of new borrowing with Newcastle Permanent, LVR <80%. T&Cs apply.

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 April 2024. 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

n/a

n/a

n/a

n/a

6.49% (8.28%*)

6.19% (8.05%*)

6.19% (7.88%*)

6.19% (7.73%*)

6.19% (7.59%*)

n/a

n/a

8.16% p.a.

Fees

$0.00

n/a

$0.00

$0.00

n/a

$395.00 yearly

$250.00

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. Rate Lock Option available for a fee of $750 per loan account.

$3,000 cashback when you refinance your home loan online, with at least $250,000 of new borrowing with Newcastle Permanent, LVR <80%. T&Cs apply.

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 April 2024. 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

n/a

n/a

n/a

n/a

6.59% (8.29%*)

6.29% (8.07%*)

6.29% (7.91%*)

6.29% (7.77%*)

6.29% (7.63%*)

n/a

n/a

8.16% p.a.

Fees

$0.00

n/a

$0.00

$0.00

n/a

$395.00 yearly

$250.00

Other financial bits

$5,000

none

80.00%

90.00%

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. Rate Lock Option available for a fee of $750 per loan account.

$3,000 cashback when you refinance your home loan online, with at least $250,000 of new borrowing with Newcastle Permanent, LVR <80%. T&Cs apply.

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
Price
Features
Customer service
Convenience
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Latest review of Newcastle Permanent Fixed Rate Home Loan (Premium Plus Package)

About Newcastle Permanent

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a. variable

5.90% p.a.

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Bendigo Bank

Express Home Loan

6.01% p.a. variable

6.14% p.a.

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ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.37% p.a.

Thumbnail icon for HSBC
HSBC

Home Value Loan

6.09% p.a. variable

6.09% p.a.

Thumbnail icon for ubank
ubank

Neat Home Loan

6.14% p.a. variable

6.16% p.a.

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a. variable

6.20% p.a.

Thumbnail icon for ANZ
ANZ

Fixed Rate

6.59% p.a.
fixed 3 years

7.06% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan

6.24% p.a. variable

6.48% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a. variable

5.90% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan

6.01% p.a. variable

6.14% p.a.

Thumbnail icon for ubank
ubank

Neat Home Loan

6.14% p.a. variable

6.16% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.15% p.a. variable

6.40% p.a.

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a. variable

6.20% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.37% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

5.99% p.a.
fixed 3 years

6.13% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan

6.24% p.a. variable

6.48% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a.

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.15% p.a.

6.40% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan

6.01% p.a.

6.14% p.a.

Thumbnail icon for ubank
ubank

Neat Home Loan

6.14% p.a.

6.16% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.15% p.a.

6.17% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

p.a.

6.37% p.a.

Thumbnail icon for Aussie
Aussie

Elevate

6.09% p.a.

6.20% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan

6.24% p.a.

6.48% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.15% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

5.99% p.a.
fixed 3 years

6.13% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.41% p.a.

Thumbnail icon for ING
ING

Fixed Rate Loan (with Orange Advantage)

5.99% p.a.
fixed 3 years

6.12% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

6.09% p.a.
fixed 3 years

6.19% p.a.

Thumbnail icon for ANZ
ANZ

Fixed Rate

6.59% p.a.
fixed 3 years

7.06% p.a.

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.

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