Home loan rates › Newcastle Permanent
Fixed Rate Home Loan Principal and Interest
Newcastle Permanent
CDR official
Lock in your repayments with a fixed rate, with options up to 5 years.
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 |
|---|---|---|---|---|---|
| 6.49% | 8.19% | Fixed · 1 year · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.59% | 8.20% | Fixed · 1 year · owner occupied · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 | |
| 6.49% | 8.00% | Fixed · 2 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.59% | 8.02% | Fixed · 2 years · owner occupied · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 | |
| 6.49% | 7.83% | Fixed · 3 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.59% | 7.86% | Fixed · 3 years · owner occupied · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 | |
| 6.59% | 7.72% | Fixed · 4 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.69% | 7.76% | Fixed · 4 years · owner occupied · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 | |
| 6.59% | 7.59% | Fixed · 5 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.69% | 7.64% | Fixed · 5 years · owner occupied · principal and interest · LVR 80%–90% | 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_fixedPI- Content hash
sha256 bb79c6d62f9eec18862acc4839106672238d99362e1d51fb2a799c64f90ee079- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_bb79c6d62f9eec18_9814c4b1Show details
- Checked
- 1 Nov 2026
- URL
https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_fixedPI- Content hash
sha256 bb79c6d62f9eec18862acc4839106672238d99362e1d51fb2a799c64f90ee079- 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 |
|---|---|---|
| International Transfer Inward | Deposit | $12.00 |
| Settlement Cheque Fee NPBS Cheque only | Withdrawal | $5.00 |
| Application Fee | Upfront | $350.00 |
| Redraw Fee via Branch | Withdrawal | $25.00 |
| Dishonour (Direct Debit and Cheque) | Dishonour | $9.00 |
| Consent Fee | Event | $200.00 |
| Rate Lock Fee | Upfront | $750.00 |
| Default Administration Fee 1 | Late payment | $35.00 |
| Settlement Reschedule Fee | Event | $85.00 |
| Substitution in Security Fee | Variation | $350.00 |
| Default Administration Fee 2 | Late payment | $50.00 |
| Electronic Transfer Fee | Withdrawal | $30.00 |
| Break Costs Fixed Rate Loans | Exit | Set in your letter of offer |
| Document and Miscellaneous Service | Enquiry | Set in your letter of offer |
| Title Search Fee | Upfront | $75.00 |
| Conversion Fee | Variation | $350.00 |
| Discharge Administration Fee | Exit | $250.00 |
| Establishment Fee | Upfront | $595.00 |
Features and eligibility
| Item | Value | 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 | |
| Digital banking | ||
| Other | Additional Repayments allowed up to $25000 p.a. | |
| Eligibility: other | Credit Approval. Applications for home loans are subject to the Bank's normal credit approval. | |
| Eligibility: natural person | ||
| 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 | |
| Limit: max lvr | 0.95 | |
| Limit: min limit | 5000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 5 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.69% | 7.64% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.49% | 8.00% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.49% | 7.83% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.59% | 7.72% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.59% | 7.86% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.59% | 7.59% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.59% | 8.02% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.69% | 7.76% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.59% | 8.20% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.49% | 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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