Home loan rates › Newcastle Permanent
Real Deal Home Loan Interest Only
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 |
|---|---|---|---|---|---|
| 8.84% | 8.62% | Variable · owner occupied · interest only | CDR | 1 Nov 2026 | |
| 6.44% | 6.34% | Variable · owner occupied · interest only · LVR 80% or less · $150,000 or more | CDR | 1 Nov 2026 | |
| 7.34% | 7.19% | Variable · owner occupied · interest only · LVR 80%–90% · $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_realdealIO- Content hash
sha256 adb93760470738b4d63ff5f8408c57b17382ac92b6b9681a095798acdaa5d51b- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_adb93760470738b4_0506ae5eShow details
- Checked
- 1 Nov 2026
- URL
https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_realdealIO- Content hash
sha256 adb93760470738b4d63ff5f8408c57b17382ac92b6b9681a095798acdaa5d51b- 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 |
|---|---|---|
| Title Search Fee | Upfront | $75.00 |
| Settlement Reschedule Fee | Event | $85.00 |
| Consent Fee | Event | $200.00 |
| Dishonour (Direct Debit and Cheque) | Dishonour | $9.00 |
| Application Fee | Upfront | $350.00 |
| International Transfer Inward | Deposit | $12.00 |
| Settlement Cheque Fee NPBS Cheque only | Withdrawal | $5.00 |
| Discharge Administration Fee | Exit | $250.00 |
| Conversion Fee | Variation | $350.00 |
| Establishment Fee | Upfront | $595.00 |
| Redraw Fee via Branch | Withdrawal | $25.00 |
| Document and Miscellaneous Service | Enquiry | Set in your letter of offer |
| Substitution in Security Fee | Variation | $350.00 |
| Electronic Transfer Fee | Withdrawal | $30.00 |
| Default Administration Fee 1 | Late payment | $35.00 |
| Default Administration Fee 2 | Late payment | $50.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Extra repayments | You can make regular additional repayments and extra lump sum payments. | |
| 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. |
| Redraw | ||
| Other | Split Loan | |
| 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: residency status | Must live in Australia and be either: an Australian citizen, an Australian permanent resident or a New Zealand citizen | |
| Eligibility: natural person | ||
| Eligibility: min age | 18 | |
| Limit: min limit | 50000.00 | |
| Limit: max lvr | 0.90 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · interest only · LVR 80%–90% · $150,000 or more | 1 Nov 2026 | Current | 7.34% | 7.19% |
| Variable · owner occupied · interest only · LVR 80% or less · $150,000 or more | 1 Nov 2026 | Current | 6.44% | 6.34% |
| Variable · owner occupied · interest only | 1 Nov 2026 | Current | 8.84% | 8.62% |
*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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