Home loan rates › Newcastle Permanent
Premium Plus Package Fixed Rate Home Loan Investment Interest Only
Newcastle Permanent
CDR official
A fixed rate package home loan with many additional perks like redraw and discounts on other products.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.59% | 8.51% | Fixed · 1 year · investment · interest only · LVR 80% or less | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.69% | 8.52% | Fixed · 1 year · investment · interest only · LVR 80%–90% | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.59% | 8.33% | Fixed · 2 years · investment · interest only · LVR 80% or less | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.69% | 8.35% | Fixed · 2 years · investment · interest only · LVR 80%–90% | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.59% | 8.17% | Fixed · 3 years · investment · interest only · LVR 80% or less | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.69% | 8.19% | Fixed · 3 years · investment · interest only · LVR 80%–90% | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.69% | 8.06% | Fixed · 4 years · investment · interest only · LVR 80% or less | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.79% | 8.09% | Fixed · 4 years · investment · interest only · LVR 80%–90% | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.69% | 7.93% | Fixed · 5 years · investment · interest only · LVR 80% or less | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.79% | 7.98% | Fixed · 5 years · investment · interest only · LVR 80%–90% | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_premiumplusfixedinvIO- Content hash
sha256 e74ba104c12be231eb0879cc4eb825b56b35e6a7872e44c009607ef0b500cd55- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_e74ba104c12be231_433b7583Show details
- Checked
- 1 Nov 2026
- URL
https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_premiumplusfixedinvIO- Content hash
sha256 e74ba104c12be231eb0879cc4eb825b56b35e6a7872e44c009607ef0b500cd55- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Consent Fee | Event | $200.00 |
| Document and Miscellaneous Service | Enquiry | Set in your letter of offer |
| Discharge Administration Fee | Exit | $250.00 |
| Conversion Fee | Variation | $350.00 |
| Break Costs Fixed Rate Loans | Exit | Set in your letter of offer |
| Rate Lock Fee | Upfront | $750.00 |
| Settlement Reschedule Fee | Event | $85.00 |
| Electronic Transfer Fee | Withdrawal | $30.00 |
| Title Search Fee | Upfront | $75.00 |
| Substitution in Security Fee | Variation | $350.00 |
| Default Administration Fee 2 | Late payment | $50.00 |
| Settlement Cheque Fee NPBS Cheque only | Withdrawal | $5.00 |
| International Transfer Inward | Deposit | $12.00 |
| Dishonour (Direct Debit and Cheque) | Dishonour | $9.00 |
| Default Administration Fee 1 | Late payment | $35.00 |
| Premium Plus Administration Fee | Periodic | $395.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Redraw | Redraw allowed, minimum withdrawal $500. Maximum amount of redraw limited to $25,000 per calendar year. | |
| Complementary product discounts | Premium Plus Package: Packaged with a range of discounts and benefits available on other products including insurance discounts and fee discounts on other Newcastle Permanent loan products. | |
| Digital banking | ||
| Cashback offer | 2500.00 - 3000.00 | Online Cashback Offer available on eligible purchased and refinanced loans for applications submitted through our online application channel. See Offer terms and conditions for details. |
| Other | Our Rate Lock option enables you to lock in our current advertised interest rate for your selected fixed rate home loan product, giving you certainty for up to 90 days against potential interest rate increases. A non-refundable fee applies for selecting this option. | |
| Extra repayments | You can make regular additional and extra lump sum repayments up to $25,000 per year. Break costs may apply if you make additional repayments of more than $25,000. See the Break Costs and Fixed Interest Guide for more info. | |
| Other | Split Loan | |
| Other | Additional Repayments allowed up to $25000 p.a. | |
| Eligibility: min age | 18 | |
| Eligibility: residency status | Must live in Australia and be either: an Australian citizen, an Australian permanent resident or a New Zealand citizen | |
| Eligibility: natural person | ||
| Eligibility: other | Credit Approval. Applications for home loans are subject to the Bank's normal credit approval. | |
| Limit: min limit | 5000.00 | |
| Limit: max lvr | 0.90 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 5 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.69% | 7.93% |
| Fixed · 5 years · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 6.79% | 7.98% |
| Fixed · 4 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.69% | 8.06% |
| Fixed · 3 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.59% | 8.17% |
| Fixed · 2 years · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 6.69% | 8.35% |
| Fixed · 4 years · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 6.79% | 8.09% |
| Fixed · 2 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.59% | 8.33% |
| Fixed · 1 year · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 6.69% | 8.52% |
| Fixed · 1 year · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.59% | 8.51% |
| Fixed · 3 years · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 6.69% | 8.19% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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