Home loan rates › Newcastle Permanent
Fixed Rate Home Loan Interest Only
Newcastle Permanent
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 |
|---|---|---|---|---|---|
| 6.89% | 8.23% | Fixed · 1 year · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.09% | 8.26% | Fixed · 1 year · owner occupied · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.89% | 8.09% | Fixed · 2 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.09% | 8.13% | Fixed · 2 years · owner occupied · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.89% | 7.96% | Fixed · 3 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.09% | 8.02% | Fixed · 3 years · owner occupied · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.99% | 7.88% | Fixed · 4 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.19% | 7.96% | Fixed · 4 years · owner occupied · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.99% | 7.79% | Fixed · 5 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.19% | 7.87% | Fixed · 5 years · owner occupied · interest only · 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.
Report an error
Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
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_fixedIO- Content hash
sha256 b5cc05f600e54692dc3c100a4fc23605962c029e40fa91b294e18dbfc3077d05- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_b5cc05f600e54692_1adce6f7Show details
- Checked
- 1 Nov 2026
- URL
https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_fixedIO- Content hash
sha256 b5cc05f600e54692dc3c100a4fc23605962c029e40fa91b294e18dbfc3077d05- 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 |
|---|---|---|
| Dishonour (Direct Debit and Cheque) | Dishonour | $9.00 |
| Break Costs Fixed Rate Loans | Exit | Set in your letter of offer |
| Conversion Fee | Variation | $350.00 |
| Redraw Fee via Branch | Withdrawal | $25.00 |
| Default Administration Fee 1 | Late payment | $35.00 |
| Default Administration Fee 2 | Late payment | $50.00 |
| Application Fee | Upfront | $350.00 |
| Substitution in Security Fee | Variation | $350.00 |
| Settlement Cheque Fee NPBS Cheque only | Withdrawal | $5.00 |
| Establishment Fee | Upfront | $595.00 |
| Electronic Transfer Fee | Withdrawal | $30.00 |
| Document and Miscellaneous Service | Enquiry | Set in your letter of offer |
| Discharge Administration Fee | Exit | $250.00 |
| Settlement Reschedule Fee | Event | $85.00 |
| Title Search Fee | Upfront | $75.00 |
| Rate Lock Fee | Upfront | $750.00 |
| International Transfer Inward | Deposit | $12.00 |
| Consent Fee | Event | $200.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | ||
| 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 | |
| Other | Additional Repayments allowed up to $25000 p.a. | |
| 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: other | Credit Approval. Applications for home loans are subject to the Bank's normal credit approval. | |
| Eligibility: min age | 18 | |
| Limit: min limit | 5000.00 | |
| Limit: max lvr | 0.90 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 5 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.99% | 7.79% |
| Fixed · 2 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.89% | 8.09% |
| Fixed · 4 years · owner occupied · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.19% | 7.96% |
| Fixed · 1 year · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.89% | 8.23% |
| Fixed · 4 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.99% | 7.88% |
| Fixed · 2 years · owner occupied · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.09% | 8.13% |
| Fixed · 5 years · owner occupied · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.19% | 7.87% |
| Fixed · 3 years · owner occupied · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.09% | 8.02% |
| Fixed · 1 year · owner occupied · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.09% | 8.26% |
| Fixed · 3 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.89% | 7.96% |
*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.
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
No one is registered for this product yet. Lender staff and brokers can join through verification.