Newcastle Permanent Real Deal Home Loan

This product is available in different versions. Pick the right version for you here.

The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 90%

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 principal & interest 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%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 90%

    Loan: $150,000

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $150,000

  • Owner Occupier (Interest Only)

    LVR < 90%

    Loan: $150,000

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $150,000

  • Investor (Interest Only)

    LVR < 90%

    Loan: $150,000

3.19% p.a.

3.23% p.a.

$0.00

Go to site

Newcastle Permanent Real Deal Home Loan

Go to site

3.19% p.a.

3.23% p.a.

$0.00

Go to site
Mozo Review
Details
Customer Reviews
Similar loans

3.46% p.a.

3.46% p.a.

$0.00

Newcastle Permanent Real Deal Home Loan

Go to site

3.46% p.a.

3.46% p.a.

$0.00

Mozo Review
Details
Customer Reviews
Similar loans

3.59% p.a.

3.59% p.a.

$0.00

Newcastle Permanent Real Deal Home Loan

Go to site

3.59% p.a.

3.59% p.a.

$0.00

Mozo Review
Details
Customer Reviews
Similar loans

3.46% p.a.

3.50% p.a.

$0.00

Newcastle Permanent Real Deal Home Loan

Go to site

3.46% p.a.

3.50% p.a.

$0.00

Mozo Review
Details
Customer Reviews
Similar loans

3.46% p.a.

3.50% p.a.

$0.00

Newcastle Permanent Real Deal Home Loan

Go to site

3.46% p.a.

3.50% p.a.

$0.00

Mozo Review
Details
Customer Reviews
Similar loans
Mozo Review
Details
Customer Reviews
Similar loans

Mozo Review   Newcastle Permanent Real Deal Home Loan Review

Last updated: 22 October 2019.

What's hot:

  • 3.19% variable rate (3.23% comparison rate*)

  • Double 2019 Mozo Experts Choice winner

  • Free extra repayments

  • No application or service fee

What's not:

  • Only partial offset account available

Mozo snapshot:

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.

Plus it's a winner! The Real Deal Home Loan took out two 2019 Mozo Experts Choice Awards in the First Home Buyer Loan and Investor Home Loan categories. 

Key features:

Fee free. 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 application fees, no service fees and no discharge fees, making it a great option for Aussies homeowners hoping to keep to a budget.

While you’ll get a low 3.19% variable rate (3.23% comparison rate*), 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.

Although there is an offset account attached to the Newcastle Permanent Real Deal Home Loan, keep in mind that this is only a partial offset account.

Who it's good for:

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.


Any catches?

The Newcastle Permanent Real Deal Home Loan features a partial offset account, so if you want a loan that offers great flexibility you might want to consider a loan that offers a 100% offset account, or make use of the extra repayments feature.


Details

Rates and fees information correct as at 25 February 2020. 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

  • 3.19% p.a.

  • n/a

  • n/a

  • n/a

  • 3.23% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • n/a

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $0.00

Other financial bits

  • $150,000

  • none

  • none

  • 90.00%

Features

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes - partial only

  • Settlement fee is variable and depends on Solicitor costs. Redraw fee is $10 online and $25 through branch network.

  • none

  • First Home Buyers can receive $2,500 for applications for loan amounts of $250,000 or more received before 30 April 2020 and settled by 30 June 2020 with a Newcastle Permanent Everyday Account.

*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 25 February 2020. 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

  • 3.46% p.a.

  • n/a

  • n/a

  • n/a

  • 3.46% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • n/a

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $0.00

Other financial bits

  • $150,000

  • none

  • 90.00%

  • 95.00%

Features

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes - partial only

  • Settlement fee is variable and depends on Solicitor costs. Redraw fee is $10 online and $25 through branch network.

  • none

  • First Home Buyers can receive $2,500 for applications for loan amounts of $250,000 or more received before 30 April 2020 and settled by 30 June 2020 with a Newcastle Permanent Everyday Account.

*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 25 February 2020. 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

  • 3.59% p.a.

  • n/a

  • n/a

  • n/a

  • 3.59% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • n/a

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $0.00

Other financial bits

  • $150,000

  • none

  • none

  • 90.00%

Features

  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes - partial only

  • Settlement fee is variable and depends on Solicitor costs. Redraw fee is $10 online and $25 through branch network.

  • none

  • Legal fees payable at cost

*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 25 February 2020. 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

  • 3.46% p.a.

  • n/a

  • n/a

  • n/a

  • 3.50% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $595.00

  • n/a

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $0.00

Other financial bits

  • $150,000

  • none

  • none

  • 90.00%

Features

  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes - partial only

  • Settlement fee is variable and depends on Solicitor costs. Redraw fee is $10 online and $25 through branch network.

  • none

  • Legal fees payable at cost

*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 25 February 2020. 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

  • 3.46% p.a.

  • n/a

  • n/a

  • n/a

  • 3.50% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $595.00

  • n/a

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $0.00

Other financial bits

  • $150,000

  • none

  • none

  • 90.00%

Features

  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes - partial only

  • Settlement fee is variable and depends on Solicitor costs. Redraw fee is $10 online and $25 through branch network.

  • none

  • Legal fees payable at cost

*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

Based on 214 Newcastle Permanent home loan reviews

Price
8.5/10
Features
7.6/10
Customer service
8.6/10
Convenience
8.3/10
Trust
8.7/10

Latest reviews of Newcastle Permanent Real Deal Home Loan

  • Overall 8/10
    Great rates and helpful friendly staff

    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 review

    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.

    Price
    7/10
    Features
    7/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Karen, New South Wales reviewed almost 4 years ago
  • Overall 8/10
    Great, competitive interest rates

    Newcastle Permanent offer competitive home loan rates and always pass on rate cuts quickly.

    Read full review

    Newcastle Permanent offer competitive home loan rates and always pass on rate cuts quickly.

    Price
    8/10
    Features
    7/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    8/10
    Less
    Michelle, New South Wales reviewed over 4 years ago
  • Overall 7/10
    Competitive rate

    Pros easily accessible competitive rate

    Read full review

    Pros easily accessible competitive rate

    Price
    7/10
    Features
    7/10
    Customer service
    8/10
    Convenience
    9/10
    Trust
    6/10
    Less
    Kim, New South Wales reviewed about 5 years ago
  • Overall 6/10
    Banks want more than they are prepared to give!

    My bank & other banks offer good deals as incentives but ongoing Customer Service is lacking.

    Read full review

    My bank & other banks offer good deals as incentives but ongoing Customer Service is lacking.

    Price
    5/10
    Features
    8/10
    Customer service
    5/10
    Convenience
    5/10
    Trust
    2/10
    Less
    Gina, New South Wales reviewed about 5 years ago
  • Overall 10/10
    They care

    We left "The Perm." in 1995, looking for 'better' deals. In 1997, we went back to them, disillusioned with "the Others" (we had shopped around a fair bit!). Newcastle Permanent have always offered competitive loans and financial products. The big thing that sets them apart (for us) is the level of service and CARE that they give. Be it on the phone or in branch, I have NEVER had a bad experience with the Staff and they will offer practical (and sensible) advice as part of the service!

    Read full review

    We left "The Perm." in 1995, looking for 'better' deals. In 1997, we went back to them, disillusioned with "the Others" (we had shopped around a fair bit!). Newcastle Permanent have always offered competitive loans and financial products. The big thing that sets them apart (for us) is the level of service and CARE that they give. Be it on the phone or in branch, I have NEVER had a bad experience with the Staff and they will offer practical (and sensible) advice as part of the service!

    Price
    9/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    9/10
    Trust
    10/10
    Less
    Evan, New South Wales reviewed over 5 years ago
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.

See Newcastle Permanent home loans

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan

p.a.

4.14% p.a.

$0.00

Go to site

Promoted

Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

3.19% p.a.

3.59% p.a.

$395.00 yearly

Go to site

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

p.a.

3.96% p.a.

$395.00 yearly

Go to site

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.78% p.a. variable

2.80% p.a.

$520

Go to site

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a. variable

2.84% p.a.

$0

Go to site

Promoted

Athena

Athena

Home Loan (Refinance)

2.84% p.a. variable

2.80% p.a.

$0

Go to site

Promoted

ING

ING

Mortgage Simplifier

3.03% p.a. variable

3.06% p.a.

$299

Go to site

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.79% p.a.
fixed 3 years

3.67% p.a.

$450

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.74% p.a. variable

2.77% p.a.

$512

Go to site

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a. variable

2.90% p.a.

$520

Go to site

Promoted

Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

3.19% p.a. variable

3.23% p.a.

$0

Go to site

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.78% p.a. variable

2.80% p.a.

$520

Go to site

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a. variable

2.84% p.a.

$0

Go to site

Promoted

Athena

Athena

Home Loan (Refinance)

2.84% p.a. variable

2.80% p.a.

$0

Go to site

Promoted

Homestar

Homestar

Star Gold Home Loan

2.69% p.a. variable

2.72% p.a.

$512

Go to site

Promoted

ING

ING

Mortgage Simplifier

3.03% p.a. variable

3.06% p.a.

$299

Go to site

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a. variable

2.90% p.a.

$520

Go to site

Promoted

Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

3.19% p.a. variable

3.23% p.a.

$0

Go to site

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.74% p.a. variable

2.77% p.a.

$512

Go to site

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a.

2.84% p.a.

$0

Go to site

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a.

2.90% p.a.

$520

Go to site

Promoted

Athena

Athena

Home Loan (Refinance)

2.84% p.a.

2.80% p.a.

$0

Go to site

Promoted

ING

ING

Mortgage Simplifier

3.03% p.a.

3.06% p.a.

$299

Go to site

Promoted

Homestar

Homestar

Star Gold Home Loan

2.69% p.a.

2.72% p.a.

$512

Go to site

Promoted

Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

3.19% p.a.

3.23% p.a.

$0

Go to site

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.78% p.a.

2.80% p.a.

$520

Go to site

Promoted

ING

ING

Orange Advantage (Package)

3.08% p.a.

3.42% p.a.

$299

Go to site

Promoted

ING

ING

Fixed Rate Loan

2.94% p.a.
fixed 3 years

4.01% p.a.

$798

Go to site

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.79% p.a.
fixed 3 years

3.67% p.a.

$450

Promoted

loans.com.au

loans.com.au

Fixed Home Loan

2.99% p.a.
fixed 3 years

3.27% p.a.

$520

Go to site

Promoted

Qudos Bank

Qudos Bank

Fixed Rate Home Loan

2.89% p.a.
fixed 3 years

3.23% p.a.

$0

Go to site

Promoted

UBank

UBank

UHomeLoan (Fixed)

2.84% p.a.
fixed 3 years

3.59% p.a.

$395

Go to site

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

2.89% p.a.
fixed 3 years

3.96% p.a.

$0

Go to site

Promoted

loans.com.au

loans.com.au

Fixed Home Loan

3.79% p.a.
fixed 3 years

3.47% p.a.

$520

Go to site

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.79% p.a.
fixed 3 years

3.67% p.a.

$450

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.78% p.a.

2.80% p.a.

$0.00

Go to site

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a.

2.84% p.a.

$0.00

Go to site

Promoted

Athena

Athena

Home Loan (Refinance)

2.84% p.a.

2.80% p.a.

$0.00

Go to site

Promoted

ING

ING

Mortgage Simplifier

3.03% p.a.

3.06% p.a.

$0.00

Go to site

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.74% p.a.

2.77% p.a.

$0.00

Go to site

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a.

2.90% p.a.

$0.00

Go to site

Promoted

Homestar

Homestar

Star Gold Home Loan

2.69% p.a.

2.72% p.a.

$0.00

Go to site

Promoted

ING

ING

Orange Advantage (Package)

3.08% p.a.

3.42% p.a.

$299.00 yearly

Go to site

*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.

Compare other home loans