Home loan rates › Newcastle Permanent
Real Deal Home Loan Investment Principal and Interest
Newcastle Permanent
One of our best rates, includes redraw and allows additional repayments.
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 |
|---|---|---|---|---|---|
| 8.69% | 8.74% | Variable · investment · principal and interest | CDR | 1 Nov 2026 | |
| 6.44% | 6.48% | Variable · investment · principal and interest · LVR 80% or less · $150,000 or more | CDR | 1 Nov 2026 | |
| 7.09% | 7.13% | Variable · investment · principal and interest · LVR 80%–95% · $150,000 or more | 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_realdealinvPI- Content hash
sha256 6e806f73460e6d1673726a822e17ae1e2a65f2cc8ea42228aba64798ac4eb3ed- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_6e806f73460e6d16_ea6bcb09Show details
- Checked
- 1 Nov 2026
- URL
https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_realdealinvPI- Content hash
sha256 6e806f73460e6d1673726a822e17ae1e2a65f2cc8ea42228aba64798ac4eb3ed- 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 |
|---|---|---|
| Conversion Fee | Variation | $350.00 |
| Substitution in Security Fee | Variation | $350.00 |
| Dishonour (Direct Debit and Cheque) | Dishonour | $9.00 |
| Default Administration Fee 1 | Late payment | $35.00 |
| Electronic Transfer Fee | Withdrawal | $30.00 |
| Discharge Administration Fee | Exit | $250.00 |
| Title Search Fee | Upfront | $75.00 |
| Redraw Fee via Branch | Withdrawal | $25.00 |
| Establishment Fee | Upfront | $595.00 |
| Document and Miscellaneous Service | Enquiry | Set in your letter of offer |
| Application Fee | Upfront | $350.00 |
| International Transfer Inward | Deposit | $12.00 |
| Settlement Cheque Fee NPBS Cheque only | Withdrawal | $5.00 |
| Consent Fee | Event | $200.00 |
| Default Administration Fee 2 | Late payment | $50.00 |
| Settlement Reschedule Fee | Event | $85.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Extra repayments | You can make regular additional repayments and extra lump sum payments. | |
| Redraw | ||
| Digital banking | ||
| Other | Split Loan | |
| 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 | This loan type is eligible to be linked to an Everyday Account known as Partial Offset. Please see the Everyday Account Product Schedule or talk to us for more information. | |
| Eligibility: other | Credit Approval. Applications for home loans are subject to the Bank's normal credit approval. | |
| Eligibility: min age | 18 | |
| Eligibility: natural person | ||
| Eligibility: residency status | Must live in Australia and be either: an Australian citizen, an Australian permanent resident or a New Zealand citizen | |
| Limit: max lvr | 0.95 | |
| Limit: min limit | 50000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · principal and interest | 1 Nov 2026 | Current | 8.69% | 8.74% |
| Variable · investment · principal and interest · LVR 80% or less · $150,000 or more | 1 Nov 2026 | Current | 6.44% | 6.48% |
| Variable · investment · principal and interest · LVR 80%–95% · $150,000 or more | 1 Nov 2026 | Current | 7.09% | 7.13% |
*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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