Newcastle Permanent Real Options 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 $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

4.50% p.a.

4.50% p.a.

$0.00

Newcastle Permanent Real Options Home Loan

4.50% p.a.

4.50% p.a.

$0.00

4.99% p.a.

4.99% p.a.

$0.00

Newcastle Permanent Real Options Home Loan

4.99% p.a.

4.99% p.a.

$0.00

4.84% p.a.

4.88% p.a.

$0.00

Newcastle Permanent Real Options Home Loan

4.84% p.a.

4.88% p.a.

$0.00

5.29% p.a.

5.33% p.a.

$0.00

Newcastle Permanent Real Options Home Loan

5.29% p.a.

5.33% p.a.

$0.00

Details

Rates and fees information correct as at 17 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
  • 4.50% p.a.

  • n/a

  • n/a

  • n/a

  • 4.50% 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
  • $5,000

  • none

  • none

  • 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 17 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
  • 4.99% p.a.

  • n/a

  • n/a

  • n/a

  • 4.99% 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
  • $5,000

  • none

  • none

  • 80.00%

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 17 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
  • 4.84% p.a.

  • n/a

  • n/a

  • n/a

  • 4.88% 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
  • $5,000

  • none

  • none

  • 95.00%

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 17 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
  • 5.29% p.a.

  • n/a

  • n/a

  • n/a

  • 5.33% 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
  • $5,000

  • none

  • none

  • 80.00%

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
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 Options Home Loan

  • Overall 10/10
    One big family

    Great customer service, great interest rates and you are made to feel like part of a family.

    Read full review

    Great customer service, great interest rates and you are made to feel like part of a family.

    Price
    10/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    John, New South Wales reviewed almost 7 years ago
  • Overall 10/10
    Excelent Service all round

    The Newcastle Permanent treats you and cares about you, like you are family.

    Read full review

    The Newcastle Permanent treats you and cares about you, like you are family.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Mozo community reviewer, New South Wales reviewed over 7 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.

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$150

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Mortgage Simplifier

3.03% p.a. variable

3.06% p.a.

$299

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Variable Home Loan

2.79% p.a. variable

2.80% p.a.

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3.19% p.a. variable

3.23% p.a.

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3.08% p.a. variable

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UHomeLoan - Discount Offer

2.84% p.a.

2.84% p.a.

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Smart Home Loan

2.88% p.a.

2.90% p.a.

$520

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Athena

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Home Loan (Refinance)

2.84% p.a.

2.80% p.a.

$0

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HSBC

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2.95% p.a.

2.97% p.a.

$150

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ING

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Mortgage Simplifier

3.03% p.a.

3.06% p.a.

$299

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Tic:Toc

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2.79% p.a.

2.80% p.a.

$0

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Homestar

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Star Essentials Home Loan

2.74% p.a.

2.77% p.a.

$512

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Real Deal Home Loan

3.19% p.a.

3.23% p.a.

$0

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ING

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2.94% p.a.
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4.01% p.a.

$798

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Bank of Queensland

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Fixed Rate

2.79% p.a.
fixed 3 years

3.67% p.a.

$450

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Fixed Home Loan

2.99% p.a.
fixed 3 years

3.27% p.a.

$520

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UHomeLoan (Fixed)

2.84% p.a.
fixed 3 years

3.59% p.a.

$395

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Tic:Toc

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Fixed Home Loan

2.84% p.a.
fixed 3 years

2.92% p.a.

$0

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Newcastle Permanent

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Fixed Rate Home Loan (Premium Plus Package)

2.89% p.a.
fixed 3 years

3.96% p.a.

$0

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2.99% p.a.
fixed 3 years

3.59% p.a.

$150

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3.79% p.a.
fixed 3 years

3.47% p.a.

$520

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2.88% p.a.

2.90% p.a.

$0.00

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UHomeLoan - Discount Offer

2.84% p.a.

2.84% p.a.

$0.00

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Athena

Athena

Home Loan (Refinance)

2.84% p.a.

2.80% p.a.

$0.00

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HSBC

HSBC

Home Value Loan

2.95% p.a.

2.97% p.a.

$0.00

Promoted

ING

ING

Mortgage Simplifier

3.03% p.a.

3.06% p.a.

$0.00

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.74% p.a.

2.77% p.a.

$0.00

Promoted

Tic:Toc

Tic:Toc

Variable Home Loan

2.79% p.a.

2.80% p.a.

$0.00

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IMB Bank

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Budget Home Loan

3.03% p.a.

3.09% 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.