Home loan rates › Newcastle Permanent
Premium Plus Package Variable Home Loan Principal and Interest
Newcastle Permanent
A variable rate package home loan with fee free redraw and a 100% offset account.
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 |
|---|---|---|---|---|---|
| 8.07% | 8.38% | Variable · owner occupied · principal and interest · $50,000 or more | CDR | 1 Nov 2026 | |
| 6.39% | 6.73% | Variable · owner occupied · principal and interest · LVR 80% or less · $150,000 or more | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 7.35% | 7.67% | Variable · owner occupied · principal and interest · LVR 80%–95% · $150,000 or more | 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_premiumplusPI- Content hash
sha256 c4c3da3005c1b02a180b705670c7d4590b4653ca295f59a1da78dacd9a38f91c- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_c4c3da3005c1b02a_6e9b1f48Show details
- Checked
- 1 Nov 2026
- URL
https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_premiumplusPI- Content hash
sha256 c4c3da3005c1b02a180b705670c7d4590b4653ca295f59a1da78dacd9a38f91c- 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 |
|---|---|---|
| Settlement Cheque Fee NPBS Cheque only | Withdrawal | $5.00 |
| Default Administration Fee 2 | Late payment | $50.00 |
| Substitution in Security Fee | Variation | $350.00 |
| Conversion Fee | Variation | $350.00 |
| International Transfer Inward | Deposit | $12.00 |
| Discharge Administration Fee | Exit | $250.00 |
| Consent Fee | Event | $200.00 |
| Title Search Fee | Upfront | $75.00 |
| Electronic Transfer Fee | Withdrawal | $30.00 |
| Premium Plus Administration Fee | Periodic | $395.00 |
| Document and Miscellaneous Service | Enquiry | Set in your letter of offer |
| Default Administration Fee 1 | Late payment | $35.00 |
| Dishonour (Direct Debit and Cheque) | Dishonour | $9.00 |
| Settlement Reschedule Fee | Event | $85.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | ||
| Offset | 100% Offset account available. | |
| 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 | Split Loan | |
| Extra repayments | You can make regular additional repayments and extra lump sum payments. | |
| 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. |
| Redraw | ||
| Eligibility: min age | 18 | |
| Eligibility: other | Credit Approval. Applications for home loans are subject to the Bank's normal credit approval. | |
| 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 | 5000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · LVR 80%–95% · $150,000 or more | 1 Nov 2026 | Current | 7.35% | 7.67% |
| Variable · owner occupied · principal and interest · $50,000 or more | 1 Nov 2026 | Current | 8.07% | 8.38% |
| Variable · owner occupied · principal and interest · LVR 80% or less · $150,000 or more | 1 Nov 2026 | Current | 6.39% | 6.73% |
*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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