The details shown below are for an owner occupier taking out a no set repayments loan between $5,000 and $499,999 with an LVR below 80%
The details shown below are for an owner occupier taking out a no set repayments loan between $500,000 and $749,999 with an LVR below 80%
The details shown below are for an owner occupier taking out a no set repayments loan between $750,000 and $899,999 with an LVR below 80%
The details shown below are for an owner occupier taking out a no set repayments loan of at least $900,000 with an LVR below 80%
The details shown below are for an investor taking out a no set repayments loan between $5,000 and $499,999 with an LVR below 80%
The details shown below are for an investor taking out a no set repayments loan between $500,000 and $749,999 with an LVR below 80%
The details shown below are for an investor taking out a no set repayments loan between $750,000 and $899,999 with an LVR below 80%
The details shown below are for an investor taking out a no set repayments loan of at least $900,000 with an LVR below 80%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | No set repayments | < 80% | $5,000 | $499,999 |
| | Owner Occupier | No set repayments | < 80% | $500,000 | $749,999 |
| | Owner Occupier | No set repayments | < 80% | $750,000 | $899,999 |
| | Owner Occupier | No set repayments | < 80% | $900,000 | |
| | Investor | No set repayments | < 80% | $5,000 | $499,999 |
| | Investor | No set repayments | < 80% | $500,000 | $749,999 |
| | Investor | No set repayments | < 80% | $750,000 | $899,999 |
| | Investor | No set repayments | < 80% | $900,000 |
Owner Occupier (No set repayments)
LVR < 80%
Loan: $5,000 $499,999
Owner Occupier (No set repayments)
LVR < 80%
Loan: $500,000 $749,999
Owner Occupier (No set repayments)
LVR < 80%
Loan: $750,000 $899,999
Owner Occupier (No set repayments)
LVR < 80%
Loan: $900,000
Investor (No set repayments)
LVR < 80%
Loan: $5,000 $499,999
Investor (No set repayments)
LVR < 80%
Loan: $500,000 $749,999
Investor (No set repayments)
LVR < 80%
Loan: $750,000 $899,999
Investor (No set repayments)
LVR < 80%
Loan: $900,000
4.34% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$0.00
n/a
$395.00 yearly
$0.00
$5,000
$499,999
none
80.00%
Owner Occupier
No set repayments
No set repayments
n/a
n/a
n/a
none
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.
$2,000 cashback when you refinance your home loan from another financial institution when you apply by 30 June 2021 and are funded by 31 August 2021, min $250k, LVR <80%
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.
4.29% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$0.00
n/a
$395.00 yearly
$0.00
$500,000
$749,999
none
80.00%
Owner Occupier
No set repayments
No set repayments
n/a
n/a
n/a
none
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.
$2,000 cashback when you refinance your home loan from another financial institution when you apply by 30 June 2021 and are funded by 31 August 2021, min $250k, LVR <80%
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.
4.19% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$0.00
n/a
$395.00 yearly
$0.00
$750,000
$899,999
none
80.00%
Owner Occupier
No set repayments
No set repayments
n/a
n/a
n/a
none
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.
$2,000 cashback when you refinance your home loan from another financial institution when you apply by 30 June 2021 and are funded by 31 August 2021, min $250k, LVR <80%
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.
4.14% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$0.00
n/a
$395.00 yearly
$0.00
$900,000
none
none
80.00%
Owner Occupier
No set repayments
No set repayments
n/a
n/a
n/a
none
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.
$2,000 cashback when you refinance your home loan from another financial institution when you apply by 30 June 2021 and are funded by 31 August 2021, min $250k, LVR <80%
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.
4.34% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$0.00
n/a
$395.00 yearly
$0.00
$5,000
$499,999
none
80.00%
Investor
No set repayments
No set repayments
n/a
n/a
n/a
none
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.
$2,000 cashback when you refinance your home loan from another financial institution when you apply by 30 June 2021 and are funded by 31 August 2021, min $250k, LVR <80%
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.
4.29% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$0.00
n/a
$395.00 yearly
$0.00
$500,000
$749,999
none
80.00%
Investor
No set repayments
No set repayments
n/a
n/a
n/a
none
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.
$2,000 cashback when you refinance your home loan from another financial institution when you apply by 30 June 2021 and are funded by 31 August 2021, min $250k, LVR <80%
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.
4.19% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$0.00
n/a
$395.00 yearly
$0.00
$750,000
$899,999
none
80.00%
Investor
No set repayments
No set repayments
n/a
n/a
n/a
none
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.
$2,000 cashback when you refinance your home loan from another financial institution when you apply by 30 June 2021 and are funded by 31 August 2021, min $250k, LVR <80%
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.
4.14% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
$0.00
$0.00
n/a
$395.00 yearly
$0.00
$900,000
none
none
80.00%
Investor
No set repayments
No set repayments
n/a
n/a
n/a
none
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.
$2,000 cashback when you refinance your home loan from another financial institution when you apply by 30 June 2021 and are funded by 31 August 2021, min $250k, LVR <80%
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.
I really like Newcastle Permanent. Customer service is excellent and the Premium Line of Credit is a great product particularly for investors that are looking to invest and flip properties where the security is to be retained. This means that you don't need to continually apply for loans. The only downside in my view is that branches are not located in Sydney.
Read full reviewI really like Newcastle Permanent. Customer service is excellent and the Premium Line of Credit is a great product particularly for investors that are looking to invest and flip properties where the security is to be retained. This means that you don't need to continually apply for loans. The only downside in my view is that branches are not located in Sydney.
I have had good customer service, competitive rates and easy access - these would also be the pros.
Read full reviewI have had good customer service, competitive rates and easy access - these would also be the pros.
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.
Newcastle Permanent
Variable Home Loan (Premium Plus Package)
2.94% p.a.
3.34% p.a.
$395.00 yearly
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
p.a.
3.56% p.a.
$395.00 yearly
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
Homestar
Star Gold Home Loan
1.79% p.a. variable
1.84% p.a.
Bank of Queensland
Fixed Rate
1.94% p.a.
fixed 3 years
2.97% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
1.98% p.a.
fixed 3 years
3.56% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
Homestar
Star Gold Home Loan
1.79% p.a.
1.84% p.a.
Yard
Variable Home Loan Special
2.09% p.a.
2.12% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
1.98% p.a.
fixed 3 years
3.56% p.a.
Homestar
Star Classic Fixed Home Loan
n/a
n/a
People's Choice Credit Union
Fixed Rate Home Loan (Package)
1.89% p.a.
fixed 3 years
3.03% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
$0.00
Homestar
Star Gold Home Loan
1.79% p.a.
1.84% 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.
