Home loan rates › Newcastle Permanent
Real Deal Home Loan Principal and Interest
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 |
|---|---|---|---|---|---|
| 8.35% | 8.40% | Variable · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| 6.19% | 6.23% | Variable · owner occupied · principal and interest · LVR 80% or less · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.99% | 7.03% | Variable · owner occupied · principal and interest · LVR 80%–95% · $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_realdealPI- Content hash
sha256 32570aa6dfde2a5a3012e99869a8745d3c7d3100f79b2e3d8e8a75ef42dcba92- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_32570aa6dfde2a5a_764f66b1Show details
- Checked
- 1 Nov 2026
- URL
https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_realdealPI- Content hash
sha256 32570aa6dfde2a5a3012e99869a8745d3c7d3100f79b2e3d8e8a75ef42dcba92- 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 |
|---|---|---|
| Electronic Transfer Fee | Withdrawal | $30.00 |
| Default Administration Fee 2 | Late payment | $50.00 |
| Title Search Fee | Upfront | $75.00 |
| Settlement Financial Institution Cheque Fee | Withdrawal | $5.00 |
| Settlement Reschedule Fee | Event | $85.00 |
| Discharge Administration Fee | Exit | $250.00 |
| Substitution in Security Fee | Variation | $350.00 |
| Establishment Fee | Upfront | $595.00 |
| Application Fee | Upfront | $350.00 |
| Consent Fee | Event | $200.00 |
| Redraw Fee via Branch | Withdrawal | $25.00 |
| Document and Miscellaneous Service | Enquiry | Set in your letter of offer |
| International Transfer Inward | Deposit | $12.00 |
| Default Administration Fee 1 | Late payment | $35.00 |
| Dishonour (Direct Debit and Cheque) | Dishonour | $9.00 |
| Conversion Fee | Variation | $350.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Redraw | ||
| 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. | |
| 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. |
| Other | Split Loan | |
| Extra repayments | You can make regular additional repayments and extra lump sum payments. | |
| Digital banking | ||
| 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: min limit | 50000.00 | |
| Limit: max lvr | 0.95 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 8.35% | 8.40% |
| Variable · owner occupied · principal and interest · LVR 80% or less · $150,000 or more | 1 Nov 2026 | Current | 6.19% | 6.23% |
| Variable · owner occupied · principal and interest · LVR 80%–95% · $150,000 or more | 1 Nov 2026 | Current | 6.99% | 7.03% |
*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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