Home loan rates › Newcastle Permanent
Premium Plus Package Fixed Rate Home Loan Principal and Interest
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 |
|---|---|---|---|---|---|
| 6.39% | 8.20% | Fixed · 1 year · owner occupied · principal and interest · LVR 80% or less | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.49% | 8.21% | Fixed · 1 year · owner occupied · principal and interest · LVR 80%–95% | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.39% | 8.03% | Fixed · 2 years · owner occupied · principal and interest · LVR 80% or less | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.49% | 8.05% | Fixed · 2 years · owner occupied · principal and interest · LVR 80%–95% | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.39% | 7.88% | Fixed · 3 years · owner occupied · principal and interest · LVR 80% or less | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.49% | 7.91% | Fixed · 3 years · owner occupied · principal and interest · LVR 80%–95% | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.49% | 7.78% | Fixed · 4 years · owner occupied · principal and interest · LVR 80% or less | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.59% | 7.82% | Fixed · 4 years · owner occupied · principal and interest · LVR 80%–95% | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.49% | 7.67% | Fixed · 5 years · owner occupied · principal and interest · LVR 80% or less | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.59% | 7.71% | Fixed · 5 years · owner occupied · principal and interest · LVR 80%–95% | 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_premiumplusfixedPI- Content hash
sha256 51cfe7aea4f3e6df20334ced06fe09f3e09832bd9dc4dd5d38c64b909e232a87- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_51cfe7aea4f3e6df_b764b2fbShow details
- Checked
- 1 Nov 2026
- URL
https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_premiumplusfixedPI- Content hash
sha256 51cfe7aea4f3e6df20334ced06fe09f3e09832bd9dc4dd5d38c64b909e232a87- 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 |
|---|---|---|
| Rate Lock Fee | Upfront | $750.00 |
| Electronic Transfer Fee | Withdrawal | $30.00 |
| Default Administration Fee 2 | Late payment | $50.00 |
| Document and Miscellaneous Service | Enquiry | Set in your letter of offer |
| Default Administration Fee 1 | Late payment | $35.00 |
| Break Costs Fixed Rate Loans | Exit | Set in your letter of offer |
| Settlement Reschedule Fee | Event | $85.00 |
| Conversion Fee | Variation | $350.00 |
| Dishonour (Direct Debit and Cheque) | Dishonour | $9.00 |
| International Transfer Inward | Deposit | $12.00 |
| Substitution in Security Fee | Variation | $350.00 |
| Premium Plus Administration Fee | Periodic | $395.00 |
| Consent Fee | Event | $200.00 |
| Settlement Cheque Fee NPBS Cheque only | Withdrawal | $5.00 |
| Discharge Administration Fee | Exit | $250.00 |
| Title Search Fee | Upfront | $75.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | Additional Repayments allowed up to $25000 p.a. | |
| Redraw | Redraw allowed, minimum withdrawal $500. Maximum amount of redraw limited to $25,000 per calendar year. | |
| 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. | |
| 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. | |
| 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. | |
| Other | Split Loan | |
| 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. |
| Eligibility: residency status | Must live in Australia and be either: an Australian citizen, an Australian permanent resident or a New Zealand citizen | |
| Eligibility: other | Credit Approval. Applications for home loans are subject to the Bank's normal credit approval. | |
| Eligibility: min age | 18 | |
| Eligibility: natural person | ||
| Limit: min limit | 5000.00 | |
| Limit: max lvr | 0.95 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 5 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.49% | 7.67% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.49% | 8.05% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.59% | 7.71% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.39% | 8.20% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.59% | 7.82% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.39% | 8.03% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.49% | 7.78% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.49% | 8.21% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.39% | 7.88% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.49% | 7.91% |
*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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