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Newcastle Permanent Variable Home Loan (Premium Plus Package)

Advertiser disclosure

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 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 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 between $5,000 and $499,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan between $500,000 and $749,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan between $750,000 and $899,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $900,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan between $5,000 and $499,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $500,000 and $749,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $750,000 and $899,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan of at least $900,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $5,000 and $499,999 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan between $500,000 and $749,999 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan between $750,000 and $899,999 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan of at least $900,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $5,000 and $499,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $500,000 and $749,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $750,000 and $899,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan of at least $900,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • 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%

    Loan: $150,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $150,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $150,000

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $5,000 $499,999

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $500,000 $749,999

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $750,000 $899,999

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $900,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $5,000 $499,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $500,000 $749,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $750,000 $899,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $900,000

  • Investor (Principal & Interest)

    LVR < 95%

    Loan: $5,000 $499,999

  • Investor (Principal & Interest)

    LVR < 95%

    Loan: $500,000 $749,999

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $750,000 $899,999

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $900,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $5,000 $499,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $500,000 $749,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $750,000 $899,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $900,000

Rate
2.94% p.a.
Comparison Rate
3.34% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Go to site
Rate
3.31% p.a.
Comparison Rate
3.70% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
3.34% p.a.
Comparison Rate
3.75% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
3.26% p.a.
Comparison Rate
3.67% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
3.26% p.a.
Comparison Rate
3.67% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
3.77% p.a.
Comparison Rate
4.17% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
3.72% p.a.
Comparison Rate
4.12% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
3.62% p.a.
Comparison Rate
4.02% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
3.57% p.a.
Comparison Rate
3.97% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.26% p.a.
Comparison Rate
4.65% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.21% p.a.
Comparison Rate
4.60% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.11% p.a.
Comparison Rate
4.50% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.06% p.a.
Comparison Rate
4.45% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.11% p.a.
Comparison Rate
4.50% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.06% p.a.
Comparison Rate
4.45% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
3.96% p.a.
Comparison Rate
4.35% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
3.91% p.a.
Comparison Rate
4.31% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.56% p.a.
Comparison Rate
4.94% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.51% p.a.
Comparison Rate
4.89% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.41% p.a.
Comparison Rate
4.79% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.36% p.a.
Comparison Rate
4.75% p.a.
Service fee
$395.00 yearly
Upfront fee
$0

Mozo editorial review Newcastle Permanent Variable Home Loan (Premium Plus Package)

Last updated: 10 June 2020.

binocular icon
What's hot
  • Competitive interest rates starting at 2.94% (3.34 comparison rate*)
  • 100% offset account
  • Extra repayments and redraw facility
What's not
  • $395 annual service fee
Mozo snapshot

With competitive interest rates for all borrowers, no application fees and flexible features like an offset account and redraw facility the Newcastle Permanent Discounted Variable Home Loan (Premium Plus Package) could be a great all round option.

key icon
Key features

The Newcastle Permanent Premium Plus Package home loan is available whether you are buying your first home or upgrading to a bigger more expensive property. You can borrow up to 95% of the property's value but you will need to pay mortgage insurance on anything over 80% LVR.

The interest rates start at a competitive 2.94% (3.34% comparison rate*) for loans of at least $150,000 with principal & interest repayments and an LVR 80% or less. And for borrowers with an LVR between 80% and 95% they will receive a 3.31% variable rate (3.70% comparison rate*).  

Aside from the competitive variable interest rate what's really great about the Newcastle Permanent Plus Package is the long list of product options that come with this home loan. It has an offset account and you can make additional repayments or a lump sum repayment for free. Redraws are also free and there is no minimum on the redraw amount. 

You can choose your repayment frequency to tie in with your payday. The Newcastle Permanent Premium Variable loan has weekly, fortnightly and monthly repayment options. You also have the option to split the loan between a fixed and variable amount if interest rates begin to go up and you want to fix a portion of your loan.

This loan isn't fee free. It has a yearly service fee of $395.

snapshot
Who is it good for

The competitive interest rate of the Newcastle Permanent Premium Package loan should suit anyone who is looking at making sure that most of their hard earned cash goes towards paying down their home loan rather than paying off high interest rates.

snapshot
Any catches

This is a variable rate home loan so your rate is likely to move in line with the official cash rate so get into the habit of checking your interest rate on an annual basis so that you can be sure you're always getting the best deal.

Details

Rates and fees information correct as at 31 October 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
  • 2.94% p.a.

  • n/a

  • n/a

  • n/a

  • 3.34% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $150,000

  • none

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Details

Rates and fees information correct as at 31 October 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
  • 3.31% p.a.

  • n/a

  • n/a

  • n/a

  • 3.70% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $150,000

  • none

  • 80.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Details

Rates and fees information correct as at 31 October 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
  • 3.34% p.a.

  • n/a

  • n/a

  • n/a

  • 3.75% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $150,000

  • none

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Details

Rates and fees information correct as at 31 October 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
  • 3.26% p.a.

  • n/a

  • n/a

  • n/a

  • 3.67% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $150,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Details

Rates and fees information correct as at 31 October 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
  • 3.26% p.a.

  • n/a

  • n/a

  • n/a

  • 3.67% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $150,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Details

Rates and fees information correct as at 31 October 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
  • 3.77% p.a.

  • n/a

  • n/a

  • n/a

  • 4.17% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $5,000

  • $499,999

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Details

Rates and fees information correct as at 31 October 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
  • 3.72% p.a.

  • n/a

  • n/a

  • n/a

  • 4.12% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $500,000

  • $749,999

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Details

Rates and fees information correct as at 31 October 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
  • 3.62% p.a.

  • n/a

  • n/a

  • n/a

  • 4.02% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $750,000

  • $899,999

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Details

Rates and fees information correct as at 31 October 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
  • 3.57% p.a.

  • n/a

  • n/a

  • n/a

  • 3.97% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $900,000

  • none

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Details

Rates and fees information correct as at 31 October 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
  • 4.26% p.a.

  • n/a

  • n/a

  • n/a

  • 4.65% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $5,000

  • $499,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Details

Rates and fees information correct as at 31 October 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
  • 4.21% p.a.

  • n/a

  • n/a

  • n/a

  • 4.60% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $500,000

  • $749,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Details

Rates and fees information correct as at 31 October 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
  • 4.11% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $750,000

  • $899,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Details

Rates and fees information correct as at 31 October 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
  • 4.06% p.a.

  • n/a

  • n/a

  • n/a

  • 4.45% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $900,000

  • none

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Details

Rates and fees information correct as at 31 October 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
  • 4.11% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $5,000

  • $499,999

  • none

  • 95.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Details

Rates and fees information correct as at 31 October 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
  • 4.06% p.a.

  • n/a

  • n/a

  • n/a

  • 4.45% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $500,000

  • $749,999

  • none

  • 95.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Details

Rates and fees information correct as at 31 October 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
  • 3.96% p.a.

  • n/a

  • n/a

  • n/a

  • 4.35% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $750,000

  • $899,999

  • none

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Details

Rates and fees information correct as at 31 October 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
  • 3.91% p.a.

  • n/a

  • n/a

  • n/a

  • 4.31% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $900,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Details

Rates and fees information correct as at 31 October 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
  • 4.56% p.a.

  • n/a

  • n/a

  • n/a

  • 4.94% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $5,000

  • $499,999

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Details

Rates and fees information correct as at 31 October 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
  • 4.51% p.a.

  • n/a

  • n/a

  • n/a

  • 4.89% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $500,000

  • $749,999

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Details

Rates and fees information correct as at 31 October 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
  • 4.41% p.a.

  • n/a

  • n/a

  • n/a

  • 4.79% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $750,000

  • $899,999

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Details

Rates and fees information correct as at 31 October 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
  • 4.36% p.a.

  • n/a

  • n/a

  • n/a

  • 4.75% 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

  • $395.00 yearly

  • $0.00

Other financial bits
  • $900,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 November 2020, 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.

Customer Reviews

How are Newcastle Permanent home loans rated by the Mozo community?

Overall
8.6/10
Price
8.5/10
Features
7.5/10
Customer service
8.6/10
Convenience
8.3/10
Trust
8.7/10

Latest reviews of Newcastle Permanent Variable Home Loan (Premium Plus Package)

  • Overall 10/10
    Easy to deal with

    Newcastle permanent will guide you through applications. If they don’t think that you’re going to make their criteria, they will tell you before the application goes for approval so you do not end up with black marks against your credit score. I have dealt with other lenders in the past and they don’t care about this.

    Read full review

    Newcastle permanent will guide you through applications. If they don’t think that you’re going to make their criteria, they will tell you before the application goes for approval so you do not end up with black marks against your credit score. I have dealt with other lenders in the past and they don’t care about this.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Henry, New South Wales reviewed about 1 year ago
  • Overall 9/10
    Wonderful

    Great product with fantastic access.

    Read full review

    Great product with fantastic access.

    Price
    9/10
    Features
    8/10
    Customer service
    9/10
    Convenience
    10/10
    Trust
    9/10
    Less
    Lyndal, New South Wales reviewed over 5 years ago
  • Overall 9/10
    Personalized Service

    Newcastle Permanent bent over backwards to ensure we received the right product. It didn't end there, as with most banks! They continue to provide wonderful follow up and personalized service.

    Read full review

    Newcastle Permanent bent over backwards to ensure we received the right product. It didn't end there, as with most banks! They continue to provide wonderful follow up and personalized service.

    Price
    9/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Cath, New South Wales reviewed over 5 years ago
  • Overall 9/10
    That little bit extra

    Very personal approach to banking. The application took place in the comfort of our own home! Love the service and support!

    Read full review

    Very personal approach to banking. The application took place in the comfort of our own home! Love the service and support!

    Price
    10/10
    Features
    7/10
    Customer service
    7/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Van, New South Wales reviewed about 6 years ago
  • Overall 9/10
    Simple, friendly and highly competitive service!

    Simple, friendly, easy to access service with highly competitive products that do exactly what they need to do without all the hype and frills attached.

    Read full review

    Simple, friendly, easy to access service with highly competitive products that do exactly what they need to do without all the hype and frills attached.

    Price
    8/10
    Features
    5/10
    Customer service
    9/10
    Convenience
    8/10
    Trust
    10/10
    Less
    Trenton, New South Wales reviewed about 6 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

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan

p.a.

3.77% p.a.

$0.00

Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

2.59% p.a.

2.63% p.a.

$0.00

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

p.a.

3.66% p.a.

$395.00 yearly

loans.com.au

loans.com.au

Smart Home Loan

2.48% p.a. variable

2.50% p.a.

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Athena

Athena

AcceleRATES Variable Home Loan

2.34% p.a. variable

2.34% p.a.

UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a. variable

2.49% p.a.

Suncorp

Suncorp

Back to Basics

2.68% p.a. variable

2.69% p.a.

Bank of Queensland

Bank of Queensland

Economy

2.64% p.a. variable

2.81% p.a.

IMB Bank

IMB Bank

Budget Home Loan

2.61% p.a. variable

2.67% p.a.

AMP Bank

AMP Bank

Variable Rate Loan (Professional Package)

2.59% p.a. variable

3.00% p.a.

loans.com.au

loans.com.au

Smart Home Loan

2.48% p.a. variable

2.50% p.a.

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Athena

Athena

AcceleRATES Variable Home Loan

2.34% p.a. variable

2.34% p.a.

UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a. variable

2.49% p.a.

Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.28% p.a.

Bank of Queensland

Bank of Queensland

Economy

2.59% p.a. variable

2.76% p.a.

IMB Bank

IMB Bank

Budget Home Loan

2.61% p.a. variable

2.67% p.a.

AMP Bank

AMP Bank

Variable Rate Loan (Professional Package)

2.59% p.a. variable

3.00% p.a.

loans.com.au

loans.com.au

Smart Home Loan

2.48% p.a.

2.50% p.a.

HSBC

HSBC

Home Value Loan

2.59% p.a.

2.60% p.a.

Athena

Athena

AcceleRATES Variable Home Loan

2.34% p.a.

2.34% p.a.

UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a.

2.49% p.a.

Suncorp

Suncorp

Back to Basics

2.68% p.a.

2.69% p.a.

Bank of Queensland

Bank of Queensland

Economy

2.59% p.a.

2.76% p.a.

IMB Bank

IMB Bank

Budget Home Loan

2.61% p.a.

2.67% p.a.

AMP Bank

AMP Bank

Variable Rate Loan (Professional Package)

2.59% p.a.

3.00% p.a.

loans.com.au

loans.com.au

Fixed Home Loan

n/a

n/a

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Homestar

Homestar

Star Classic Fixed Home Loan

2.06% p.a.
fixed 3 years

2.38% p.a.

UBank

UBank

UHomeLoan (1 Year Fixed)

n/a

n/a

Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.28% p.a.

Bank of Queensland

Bank of Queensland

Fixed Rate

2.25% p.a.
fixed 3 years

3.41% p.a.

IMB Bank

IMB Bank

Fixed Home Loan

2.39% p.a.
fixed 3 years

3.08% p.a.

AMP Bank

AMP Bank

Fixed Rate Loan (Professional Package)

2.49% p.a.
fixed 3 years

3.07% p.a.

loans.com.au

loans.com.au

Smart Home Loan

2.48% p.a.

2.50% p.a.

$0.00

Athena

Athena

AcceleRATES Variable Home Loan

2.34% p.a.

2.34% p.a.

$0.00

UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a.

2.49% p.a.

$0.00

Homestar

Homestar

Star Essentials Home Loan

2.29% p.a.

2.32% p.a.

$0.00

Suncorp

Suncorp

Back to Basics

2.68% p.a.

2.69% p.a.

$0.00

Bank of Queensland

Bank of Queensland

Economy

2.59% p.a.

2.76% p.a.

$10.00 monthly

IMB Bank

IMB Bank

Budget Home Loan

2.61% p.a.

2.67% p.a.

$0.00

AMP Bank

AMP Bank

Variable Rate Loan (Professional Package)

2.59% p.a.

3.00% p.a.

$349.00 yearly

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.