Home loan rates › Newcastle Permanent
Premium Plus Package Fixed Rate Home Loan Investment 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 |
|---|---|---|---|---|---|
| 6.49% | 8.50% | Fixed · 1 year · investment · principal and interest · LVR 80% or less | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.59% | 8.51% | Fixed · 1 year · investment · principal and interest · LVR 80%–95% | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.49% | 8.31% | Fixed · 2 years · investment · principal and interest · LVR 80% or less | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.59% | 8.33% | Fixed · 2 years · investment · principal and interest · LVR 80%–95% | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.49% | 8.14% | Fixed · 3 years · investment · principal and interest · LVR 80% or less | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.59% | 8.17% | Fixed · 3 years · investment · principal and interest · LVR 80%–95% | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.59% | 8.02% | Fixed · 4 years · investment · principal and interest · LVR 80% or less | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.69% | 8.06% | Fixed · 4 years · investment · principal and interest · LVR 80%–95% | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.59% | 7.89% | Fixed · 5 years · investment · principal and interest · LVR 80% or less | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
| 6.69% | 7.93% | Fixed · 5 years · investment · 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_premiumplusfixedinvPI- Content hash
sha256 09fff77fbc1f312b5b86fe82adbd6f89dafe8410efe36e2c53992241a325baf7- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_09fff77fbc1f312b_ac10fa98Show details
- Checked
- 1 Nov 2026
- URL
https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_premiumplusfixedinvPI- Content hash
sha256 09fff77fbc1f312b5b86fe82adbd6f89dafe8410efe36e2c53992241a325baf7- 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 |
| Consent Fee | Event | $200.00 |
| Electronic Transfer Fee | Withdrawal | $30.00 |
| Dishonour (Direct Debit and Cheque) | Dishonour | $9.00 |
| Settlement Cheque Fee NPBS Cheque only | Event | $5.00 |
| Title Search Fee | Upfront | $75.00 |
| Substitution in Security Fee | Variation | $350.00 |
| International Transfer Inward | Deposit | $12.00 |
| Default Administration Fee 2 | Late payment | $50.00 |
| Discharge Administration Fee | Exit | $250.00 |
| Rate Lock Fee | Upfront | $750.00 |
| Settlement Reschedule Fee | Event | $85.00 |
| Default Administration Fee 1 | Late payment | $35.00 |
| Break Costs Fixed Rate Loans | Exit | Set in your letter of offer |
| Document and Miscellaneous Service | Enquiry | Set in your letter of offer |
| Premium Plus Administration Fee | Periodic | $395.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| 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. | |
| Redraw | Redraw allowed, minimum withdrawal $500. Maximum amount of redraw limited to $25,000 per calendar year. | |
| 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. |
| 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. | |
| 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: residency status | Must live in Australia and be either: an Australian citizen, an Australian permanent resident or a New Zealand citizen | |
| Eligibility: min age | 18 | |
| Limit: min limit | 5000.00 | |
| Limit: max lvr | 0.95 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 1 year · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.49% | 8.50% |
| Fixed · 3 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.49% | 8.14% |
| Fixed · 2 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.49% | 8.31% |
| Fixed · 4 years · investment · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.69% | 8.06% |
| Fixed · 1 year · investment · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.59% | 8.51% |
| Fixed · 5 years · investment · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.69% | 7.93% |
| Fixed · 5 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.59% | 7.89% |
| Fixed · 2 years · investment · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.59% | 8.33% |
| Fixed · 4 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.59% | 8.02% |
| Fixed · 3 years · investment · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.59% | 8.17% |
*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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