The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 95%
The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 95%
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% | $150,000 | |
|
Owner Occupier | Principal & Interest | 80%-95% | $150,000 | |
|
Owner Occupier | Interest Only | 80%-90% | $150,000 | |
|
Owner Occupier | Interest Only | < 80% | $150,000 | |
|
Investor | Principal & Interest | < 80% | $150,000 | |
|
Investor | Principal & Interest | 80%-95% | $150,000 | |
|
Investor | Interest Only | 80%-90% | $150,000 | |
|
Investor | Interest Only | < 80% | $150,000 | |
|
Owner Occupier | Principal & Interest | < 95% | $150,000 | |
|
Owner Occupier | Interest Only | < 90% | $150,000 | |
|
Investor | Interest Only | < 90% | $150,000 | |
|
Investor | Principal & Interest | 80%-95% | $150,000 |
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $150,000
Owner Occupier (Principal & Interest)
LVR 80%-95%
Loan: $150,000
Owner Occupier (Interest Only)
LVR 80%-90%
Loan: $150,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $150,000
Investor (Principal & Interest)
LVR < 80%
Loan: $150,000
Investor (Principal & Interest)
LVR 80%-95%
Loan: $150,000
Investor (Interest Only)
LVR 80%-90%
Loan: $150,000
Investor (Interest Only)
LVR < 80%
Loan: $150,000
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $150,000
Owner Occupier (Interest Only)
LVR < 90%
Loan: $150,000
Investor (Interest Only)
LVR < 90%
Loan: $150,000
Investor (Principal & Interest)
LVR 80%-95%
Loan: $150,000
Whether you’re buying your first home or are making your first investment, the last thing you want is to be tied up in fees and complicated loan features. That’s where the Newcastle Permanent Real Deal Home Loan comes in. Aside from a great, low rate, there’s zero application or service fees and you’ll have the flexibility to choose your repayment schedule, on either a weekly, fortnightly or monthly basis.
Few fees. A low rate. No hassle. The real deal.
If you’re after a home loan that offers great flexibility, then look no further than the Newcastle Permanent Real Deal Home Loan. This low cost loan offers no ongoing service fees and no discharge fees, making it a great option for Aussies homeowners hoping to keep to a budget. However, when you first take out the loan you will need to budget for the application fee of $595.
It is possible to borrow up to 95% of the property's value, however rates differ depending on your LVR. For borrowers with an 80% LVR or less, and a borrowing amount of at least $150,000 you’ll get a low 2.87% variable rate (2.91% comparison rate*). On the other hand, for LVR's between 80% and 95% the rate bumps up to 3.17% (3.21% comparison rate*).
Also keep in mind, if you have an LVR greater than 80%, you'll have to pay Lenders Mortgage Insurance.
If you wanted to lock in your rate for a while, there’s the option to split your loan with other Newcastle Permanent home loans. You’ll also be able to make as many extra repayments as you’d like, helping you shave off interest as well as have access to a redraw facility, however fees apply. And if you ever want to take a break from your repayments, there’s the option to take a repayment holiday.
Refinancing? The good news is if you are making the switch from another lender to Newcastle Permanent, you could take home up to $3,000 cashback when you apply by 30 September 2022 and are funded by 30 November 2022, LVR <90%. You could also get $2,000 cashback for loan amounts of $250,000 and a bonus $1,000 for $500,000 or more.
The Newcastle Permanent Real Deal Home Loan is a great option for borrowers who want to keep fees to a minimum and want to put every dollar toward their loan.
The Newcastle Permanent Real Deal Home Loan has very few fees, but if you do want to redraw on any extra repayments it will cost between $10 and $25 for each redraw.
2.87% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
2.91% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$595.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$150,000 |
|
none |
|
none |
|
80.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - fees apply |
|
$0.00 |
|
yes |
|
no |
|
Settlement fee is variable and depends on Solicitor costs. Redraw fee is $10 online and $25 through branch network. |
|
none |
|
Up to $3,000 cashback when you refinance your home loan from another financial institution when you apply by 30 Sept 2022 and are funded by 30 Nov 2022, LVR <90%. $2,000 cashback for loan amounts of $250,000 and a bonus $1,000 for $500,000 or more. |
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.
3.17% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
3.21% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$595.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$150,000 |
|
none |
|
80.00% |
|
95.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - fees apply |
|
$0.00 |
|
yes |
|
no |
|
Settlement fee is variable and depends on Solicitor costs. Redraw fee is $10 online and $25 through branch network. |
|
none |
|
Up to $3,000 cashback when you refinance your home loan from another financial institution when you apply by 30 Sept 2022 and are funded by 30 Nov 2022, LVR <90%. $2,000 cashback for loan amounts of $250,000 and a bonus $1,000 for $500,000 or more. |
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.
3.57% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
3.36% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$595.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$150,000 |
|
none |
|
80.00% |
|
90.00% |
Owner Occupier |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - fees apply |
|
$0.00 |
|
yes |
|
no |
|
Settlement fee is variable and depends on Solicitor costs. Redraw fee is $10 online and $25 through branch network. |
|
none |
|
Up to $3,000 cashback when you refinance your home loan from another financial institution when you apply by 30 Sept 2022 and are funded by 30 Nov 2022, LVR <90%. $2,000 cashback for loan amounts of $250,000 and a bonus $1,000 for $500,000 or more. |
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.
3.17% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
3.01% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$595.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$150,000 |
|
none |
|
none |
|
80.00% |
Owner Occupier |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - fees apply |
|
$0.00 |
|
yes |
|
no |
|
Settlement fee is variable and depends on Solicitor costs. Redraw fee is $10 online and $25 through branch network. |
|
none |
|
Up to $3,000 cashback when you refinance your home loan from another financial institution when you apply by 30 Sept 2022 and are funded by 30 Nov 2022, LVR <90%. $2,000 cashback for loan amounts of $250,000 and a bonus $1,000 for $500,000 or more. |
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.
3.07% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
3.11% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$595.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$150,000 |
|
none |
|
none |
|
80.00% |
Investor |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - fees apply |
|
$0.00 |
|
yes |
|
no |
|
Settlement fee is variable and depends on Solicitor costs. Redraw fee is $10 online and $25 through branch network. |
|
none |
|
Up to $3,000 cashback when you refinance your home loan from another financial institution when you apply by 30 Sept 2022 and are funded by 30 Nov 2022, LVR <90%. $2,000 cashback for loan amounts of $250,000 and a bonus $1,000 for $500,000 or more. |
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.
3.27% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
3.31% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$595.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$150,000 |
|
none |
|
80.00% |
|
95.00% |
Investor |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - fees apply |
|
$0.00 |
|
yes |
|
no |
|
Settlement fee is variable and depends on Solicitor costs. Redraw fee is $10 online and $25 through branch network. |
|
none |
|
Up to $3,000 cashback when you refinance your home loan from another financial institution when you apply by 30 Sept 2022 and are funded by 30 Nov 2022, LVR <90%. $2,000 cashback for loan amounts of $250,000 and a bonus $1,000 for $500,000 or more. |
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.
3.27% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
3.31% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$595.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$150,000 |
|
none |
|
80.00% |
|
90.00% |
Investor |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - fees apply |
|
$0.00 |
|
yes |
|
no |
|
Settlement fee is variable and depends on Solicitor costs. Redraw fee is $10 online and $25 through branch network. |
|
none |
|
Up to $3,000 cashback when you refinance your home loan from another financial institution when you apply by 30 Sept 2022 and are funded by 30 Nov 2022, LVR <90%. $2,000 cashback for loan amounts of $250,000 and a bonus $1,000 for $500,000 or more. |
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.
3.07% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
3.11% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$595.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$150,000 |
|
none |
|
none |
|
80.00% |
Investor |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - fees apply |
|
$0.00 |
|
yes |
|
no |
|
Settlement fee is variable and depends on Solicitor costs. Redraw fee is $10 online and $25 through branch network. |
|
none |
|
Up to $3,000 cashback when you refinance your home loan from another financial institution when you apply by 30 Sept 2022 and are funded by 30 Nov 2022, LVR <90%. $2,000 cashback for loan amounts of $250,000 and a bonus $1,000 for $500,000 or more. |
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.
4.60% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
4.64% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$595.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$150,000 |
|
none |
|
none |
|
95.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - fees apply |
|
$0.00 |
|
yes |
|
no |
|
Settlement fee is variable and depends on Solicitor costs. Redraw fee is $10 online and $25 through branch network. |
|
none |
|
Up to $3,000 cashback when you refinance your home loan from another financial institution when you apply by 30 Sept 2022 and are funded by 30 Nov 2022, LVR <90%. $2,000 cashback for loan amounts of $250,000 and a bonus $1,000 for $500,000 or more. |
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.
5.09% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
4.83% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$595.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$150,000 |
|
none |
|
none |
|
90.00% |
Owner Occupier |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - fees apply |
|
$0.00 |
|
yes |
|
no |
|
Settlement fee is variable and depends on Solicitor costs. Redraw fee is $10 online and $25 through branch network. |
|
none |
|
Up to $3,000 cashback when you refinance your home loan from another financial institution when you apply by 30 Sept 2022 and are funded by 30 Nov 2022, LVR <90%. $2,000 cashback for loan amounts of $250,000 and a bonus $1,000 for $500,000 or more. |
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.
5.39% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
5.16% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$595.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$150,000 |
|
none |
|
none |
|
90.00% |
Investor |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - fees apply |
|
$0.00 |
|
yes |
|
no |
|
Settlement fee is variable and depends on Solicitor costs. Redraw fee is $10 online and $25 through branch network. |
|
none |
|
Up to $3,000 cashback when you refinance your home loan from another financial institution when you apply by 30 Sept 2022 and are funded by 30 Nov 2022, LVR <90%. $2,000 cashback for loan amounts of $250,000 and a bonus $1,000 for $500,000 or more. |
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.
4.94% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
4.98% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$595.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$0.00 |
$150,000 |
|
none |
|
80.00% |
|
95.00% |
Investor |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - fees apply |
|
$0.00 |
|
yes |
|
no |
|
Settlement fee is variable and depends on Solicitor costs. Redraw fee is $10 online and $25 through branch network. |
|
none |
|
Up to $3,000 cashback when you refinance your home loan from another financial institution when you apply by 30 Sept 2022 and are funded by 30 Nov 2022, LVR <90%. $2,000 cashback for loan amounts of $250,000 and a bonus $1,000 for $500,000 or more. |
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.
Overall this is a good bank and good product.
Read full reviewOverall this is a good bank and good product.
Newcastle Permanent have always been extremely helpful and convenient whether applying for our first home loan, making life changes and adjusting loans or borrowing extra funds.
Read full reviewNewcastle Permanent have always been extremely helpful and convenient whether applying for our first home loan, making life changes and adjusting loans or borrowing extra funds.
Newcastle Permanent offer competitive home loan rates and always pass on rate cuts quickly.
Read full reviewNewcastle Permanent offer competitive home loan rates and always pass on rate cuts quickly.
Pros easily accessible competitive rate
Read full reviewPros easily accessible competitive rate
My bank & other banks offer good deals as incentives but ongoing Customer Service is lacking.
Read full reviewMy bank & other banks offer good deals as incentives but ongoing Customer Service is lacking.
Newcastle Permanent
Fixed Rate Home Loan
p.a.
5.26% p.a.
$0.00
Newcastle Permanent
Variable Home Loan (Premium Plus Package)
3.44% p.a.
3.83% p.a.
$395.00 yearly
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
p.a.
5.03% p.a.
$395.00 yearly
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Smart Booster Home Loan
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2.96% p.a.
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2.96% p.a.
loans.com.au
Smart Booster Home Loan
2.60% p.a.variable for 24 months and then 3.00% p.a.
2.96% p.a.
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Smart Booster Home Loan
2.60% p.a.variable for 24 months and then 3.00% p.a.
2.96% p.a.
$0.00
Qudos Bank
No Frills Home Loan
2.49% p.a.
2.49% p.a.
$0.00
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.