Newcastle Permanent logo

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 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 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 $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 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 between $5,000 and $499,999 with an LVR below 90%
The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan between $500,000 and $749,999 with an LVR below 90%
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 90%
The details shown below are for an owner occupier taking out a interest only loan of at least $900,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 90%
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 of at least $150,000 with an LVR below 80%
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 95%
The details shown below are for an investor taking out a principal & interest loan of at least $900,000 with an LVR below 95%
The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 95%
The details shown below are for an investor taking out a interest only loan between $5,000 and $499,999 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $500,000 and $749,999 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $750,000 and $899,999 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan of at least $900,000 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

Availability Loan type LVR Min loan amount Max loan amount
Owner Occupier Principal & Interest < 95% $5,000 $499,999
Owner Occupier Principal & Interest < 80% $150,000
Owner Occupier Principal & Interest < 95% $500,000 $749,999
Owner Occupier Principal & Interest < 95% $750,000 $899,999
Owner Occupier Principal & Interest < 95% $900,000
Owner Occupier Principal & Interest 80%-95% $150,000
Owner Occupier Interest Only < 90% $5,000 $499,999
Owner Occupier Interest Only < 80% $150,000
Owner Occupier Interest Only < 90% $500,000 $749,999
Owner Occupier Interest Only < 90% $750,000 $899,999
Owner Occupier Interest Only < 90% $900,000
Owner Occupier Interest Only 80%-90% $150,000
Investor Principal & Interest < 95% $5,000 $499,999
Investor Principal & Interest < 80% $150,000
Investor Principal & Interest < 95% $500,000 $749,999
Investor Principal & Interest < 95% $750,000 $899,999
Investor Principal & Interest < 95% $900,000
Investor Principal & Interest 80%-95% $150,000
Investor Interest Only < 90% $5,000 $499,999
Investor Interest Only < 80% $150,000
Investor Interest Only < 90% $500,000 $749,999
Investor Interest Only < 90% $750,000 $899,999
Investor Interest Only < 90% $900,000
Investor Interest Only 80%-90% $150,000
  • Owner Occupier (Principal & Interest)
    LVR < 95%
    Loan: $5,000 $499,999
  • Owner Occupier (Principal & Interest)
    LVR < 80%
    Loan: $150,000
  • 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 (Principal & Interest)
    LVR 80%-95%
    Loan: $150,000
  • Owner Occupier (Interest Only)
    LVR < 90%
    Loan: $5,000 $499,999
  • Owner Occupier (Interest Only)
    LVR < 80%
    Loan: $150,000
  • Owner Occupier (Interest Only)
    LVR < 90%
    Loan: $500,000 $749,999
  • Owner Occupier (Interest Only)
    LVR < 90%
    Loan: $750,000 $899,999
  • Owner Occupier (Interest Only)
    LVR < 90%
    Loan: $900,000
  • Owner Occupier (Interest Only)
    LVR 80%-90%
    Loan: $150,000
  • Investor (Principal & Interest)
    LVR < 95%
    Loan: $5,000 $499,999
  • Investor (Principal & Interest)
    LVR < 80%
    Loan: $150,000
  • Investor (Principal & Interest)
    LVR < 95%
    Loan: $500,000 $749,999
  • Investor (Principal & Interest)
    LVR < 95%
    Loan: $750,000 $899,999
  • Investor (Principal & Interest)
    LVR < 95%
    Loan: $900,000
  • Investor (Principal & Interest)
    LVR 80%-95%
    Loan: $150,000
  • Investor (Interest Only)
    LVR < 90%
    Loan: $5,000 $499,999
  • Investor (Interest Only)
    LVR < 80%
    Loan: $150,000
  • Investor (Interest Only)
    LVR < 90%
    Loan: $500,000 $749,999
  • Investor (Interest Only)
    LVR < 90%
    Loan: $750,000 $899,999
  • Investor (Interest Only)
    LVR < 90%
    Loan: $900,000
  • Investor (Interest Only)
    LVR 80%-90%
    Loan: $150,000
Rate
8.02% p.a.
Comparison Rate
8.34% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
6.09% p.a.
Comparison Rate
6.43% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
7.97% p.a.
Comparison Rate
8.29% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
7.87% p.a.
Comparison Rate
8.19% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
7.82% p.a.
Comparison Rate
8.14% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
7.00% p.a.
Comparison Rate
7.33% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
8.51% p.a.
Comparison Rate
8.54% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
6.55% p.a.
Comparison Rate
6.60% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
8.46% p.a.
Comparison Rate
8.49% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
8.36% p.a.
Comparison Rate
8.39% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
8.31% p.a.
Comparison Rate
8.34% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
7.54% p.a.
Comparison Rate
7.55% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
8.36% p.a.
Comparison Rate
8.67% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
6.28% p.a.
Comparison Rate
6.62% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
8.31% p.a.
Comparison Rate
8.62% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
8.21% p.a.
Comparison Rate
8.53% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
8.16% p.a.
Comparison Rate
8.48% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
7.24% p.a.
Comparison Rate
7.56% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
8.81% p.a.
Comparison Rate
8.87% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
6.48% p.a.
Comparison Rate
6.68% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
8.76% p.a.
Comparison Rate
8.82% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
8.66% p.a.
Comparison Rate
8.72% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
8.61% p.a.
Comparison Rate
8.67% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
7.34% p.a.
Comparison Rate
7.59% p.a.
Service fee
$395.00 yearly
Upfront fee
$0

Mozo editorial review Newcastle Permanent Variable Home Loan (Premium Plus Package) - last updated: 23 August 2024

binocular icon
What's hot
  • Competitive interest rates starting at 6.09% p.a. (6.43% p.a. comparison rate*)
  • 100% offset account
  • Extra repayments and redraw facility
  • Up to $3,000 cashback
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 6.09% p.a. (6.43% p.a. 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 7.00% p.a. variable rate (7.33% p.a. 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.

Cashback offer: You can also get up to $3,000 cashback when applying for a new purchase or refinancing (T&Cs apply). Loans with a loan to value ratio up to 80% can receive $2,000 online cashback with new lending of $250,000 -$499,999.99, or $3,000 for loan amounts of $500,000 or more.


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.  

question icon
Any catches

This is a variable rate home loan meaning your rate is likely to move in line with the official cash rate. Try to 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 8 October 2024. 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

8.02% p.a.

n/a

n/a

n/a

8.34% 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

$250.00

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.

none

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

6.09% p.a.

n/a

n/a

n/a

6.43% 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

$250.00

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 online cashback for new purchase or refinance loans of $250,000 -$499,999.99, $3,000 for loan amounts of $500,000 or more. Up to 80% LVR.

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

7.97% p.a.

n/a

n/a

n/a

8.29% 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

$250.00

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.

none

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

7.87% p.a.

n/a

n/a

n/a

8.19% 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

$250.00

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.

none

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

7.82% p.a.

n/a

n/a

n/a

8.14% 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

$250.00

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.

none

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

7.00% p.a.

n/a

n/a

n/a

7.33% 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

$250.00

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.

none

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

8.51% p.a.

n/a

n/a

n/a

8.54% 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

$250.00

Other financial bits

$5,000

$499,999

none

90.00%

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.

none

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

6.55% p.a.

n/a

n/a

n/a

6.60% 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

$250.00

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 online cashback for new purchase or refinance loans of $250,000 -$499,999.99, $3,000 for loan amounts of $500,000 or more. Up to 80% LVR.

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

8.46% p.a.

n/a

n/a

n/a

8.49% 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

$250.00

Other financial bits

$500,000

$749,999

none

90.00%

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.

none

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

8.36% p.a.

n/a

n/a

n/a

8.39% 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

$250.00

Other financial bits

$750,000

$899,999

none

90.00%

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.

none

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

8.31% p.a.

n/a

n/a

n/a

8.34% 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

$250.00

Other financial bits

$900,000

none

none

90.00%

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.

none

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

7.54% p.a.

n/a

n/a

n/a

7.55% 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

$250.00

Other financial bits

$150,000

none

80.00%

90.00%

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.

none

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

8.36% p.a.

n/a

n/a

n/a

8.67% 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

$250.00

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.

none

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

6.28% p.a.

n/a

n/a

n/a

6.62% 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

$250.00

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 online cashback for new purchase or refinance loans of $250,000 -$499,999.99, $3,000 for loan amounts of $500,000 or more. Up to 80% LVR.

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

8.31% p.a.

n/a

n/a

n/a

8.62% 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

$250.00

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.

none

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

8.21% p.a.

n/a

n/a

n/a

8.53% 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

$250.00

Other financial bits

$750,000

$899,999

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.

none

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

8.16% p.a.

n/a

n/a

n/a

8.48% 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

$250.00

Other financial bits

$900,000

none

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.

none

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

7.24% p.a.

n/a

n/a

n/a

7.56% 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

$250.00

Other financial bits

$150,000

none

80.00%

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.

none

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

8.81% p.a.

n/a

n/a

n/a

8.87% 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

$250.00

Other financial bits

$5,000

$499,999

none

90.00%

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.

none

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

6.48% p.a.

n/a

n/a

n/a

6.68% 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

$250.00

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 online cashback for new purchase or refinance loans of $250,000 -$499,999.99, $3,000 for loan amounts of $500,000 or more. Up to 80% LVR.

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

8.76% p.a.

n/a

n/a

n/a

8.82% 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

$250.00

Other financial bits

$500,000

$749,999

none

90.00%

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.

none

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

8.66% p.a.

n/a

n/a

n/a

8.72% 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

$250.00

Other financial bits

$750,000

$899,999

none

90.00%

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.

none

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

8.61% p.a.

n/a

n/a

n/a

8.67% 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

$250.00

Other financial bits

$900,000

none

none

90.00%

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.

none

^See information about the Mozo Expert Choice Home Loans Awards

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 8 October 2024. 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

7.34% p.a.

n/a

n/a

n/a

7.59% 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

$395.00 yearly

$250.00

Other financial bits

$150,000

none

80.00%

90.00%

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.

none

^See information about the Mozo Expert Choice Home Loans Awards

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
8.5/10
Price
8.5/10
Features
7.5/10
Customer service
8.6/10
Convenience
8.3/10
Trust
8.7/10
Based on 221 Newcastle Permanent home loan reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

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

About Newcastle Permanent

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a. variable

5.90% p.a.

Thumbnail icon for Greater Bank
Greater Bank

Great Rate Home Loan

5.99% p.a. variable

6.01% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

5.39% p.a.
fixed 3 years

5.95% p.a.

Thumbnail icon for HSBC
HSBC

Home Value Loan

6.09% p.a. variable

6.09% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.21% p.a.

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a. variable

6.20% p.a.

Thumbnail icon for Police Credit Union
Police Credit Union

3 Year Fixed Rate Home Loan (Special Offer)

5.49% p.a.
fixed 3 years

6.62% p.a.

Thumbnail icon for BCU Bank
BCU Bank

OMG Home Loan

5.99% p.a. variable

6.02% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a. variable

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.14% p.a. variable

6.16% p.a.

Thumbnail icon for Police Credit Union
Police Credit Union

3 Year Fixed Rate Home Loan (Special Offer)

5.49% p.a.
fixed 3 years

6.62% p.a.

Thumbnail icon for Greater Bank
Greater Bank

Great Rate Home Loan

5.99% p.a. variable

6.01% p.a.

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a. variable

6.20% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan

6.14% p.a. variable

6.38% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan

6.09% p.a. variable

6.22% p.a.

Thumbnail icon for Aussie
Aussie

Elevate

6.18% p.a. variable

6.18% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a.

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.14% p.a.

6.16% p.a.

Thumbnail icon for Greater Bank
Greater Bank

Great Rate Home Loan

5.99% p.a.

6.01% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan

6.09% p.a.

6.22% p.a.

Thumbnail icon for BCU Bank
BCU Bank

OMG Home Loan

5.99% p.a.

6.02% p.a.

Thumbnail icon for Aussie
Aussie

Elevate

6.18% p.a.

6.18% p.a.

Thumbnail icon for ING
ING

Mortgage Simplifier

6.14% p.a.

6.17% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.14% p.a.

6.39% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

5.39% p.a.
fixed 3 years

5.95% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.21% p.a.

Thumbnail icon for Police Credit Union
Police Credit Union

3 Year Fixed Rate Home Loan (Special Offer)

5.49% p.a.
fixed 3 years

6.62% p.a.

Thumbnail icon for SWSbank
SWSbank

Fixed Home Loan Rate

5.59% p.a.
fixed 3 years

6.31% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

5.49% p.a.
fixed 3 years

6.02% p.a.

Thumbnail icon for Police Credit Union
Police Credit Union

3 Year Fixed Rate Home Loan (Special Offer)

5.59% p.a.
fixed 3 years

6.64% p.a.

Thumbnail icon for ING
ING

Fixed Rate Loan

5.79% p.a.
fixed 3 years

6.07% p.a.

Thumbnail icon for ANZ
ANZ

Fixed Rate

6.59% p.a.
fixed 3 years

7.06% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a.

5.90% p.a.

$0.00

Thumbnail icon for Greater Bank
Greater Bank

Great Rate Home Loan

5.99% p.a.

6.01% p.a.

$0.00

Thumbnail icon for HSBC
HSBC

Home Value Loan

6.09% p.a.

6.09% p.a.

$0.00

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a.

6.20% p.a.

$0.00

Thumbnail icon for BCU Bank
BCU Bank

OMG Home Loan

5.99% p.a.

6.02% p.a.

$0.00

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan

6.09% p.a.

6.22% p.a.

$10.00 monthly

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.14% p.a.

6.16% p.a.

$0.00

Thumbnail icon for loans.com.au
loans.com.au

SMSF Home Loan (Variable)

6.99% p.a.

7.00% 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.

Compare other home loans