Newcastle Permanent
Bridging Loan
Our Bridging Loan is available to help you buy your new dream home when you haven’t already sold your existing home. It also provides a competitive fixed rate and the certainty of knowing that your rate won’t increase during the Bridging Loan period.
Home loansBank updated 25 Aug 2026
At a glance
- Fixed
- 1 yr 7.49%
- Max LVR
- 80%
- Features
- redraw, extra repayments
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedInterest only repayments are deferred for up to 12 months. | Owner occupied | 1 yr fixed | — | 7.49% | 7.53% | — |
§ 02 — Fees · 18
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| International Transfer Inward | Deposit | $12 | — | Fee applies for the conversion of international transfers in a foreign currency to Australian dollars. |
| Dishonour (Direct Debit and Cheque) | Dishonour | $9 | — | If you ask us to take a payment, either direct debit or salary deduction and you do not have enough funds in your account to cover this payment, you will be charged a fee. |
| Document and Miscellaneous Service | Enquiry | Varies | — | Fee applies if you request copies of documents such as withdrawal slips or statements, you ask us to verify a transaction on your account or you request any other information. It is calculated on an… |
| Consent Fee | Event | $200 | — | Payable whenever we agree to a change relating to the title of the property. |
| Settlement Reschedule Fee | Event | $85 | — | Payable to us when your discharge settlement is cancelled and/or rescheduled. This fee is payable in either cash or cheque at the time of settlement. |
| Special Clearance on Cheque | Event | $15 | — | Fee applies if you request a special clearance on a cheque deposited into your account. It is debited to your account at the time each request is made. |
| Discharge Administration Fee | Exit | $250 | — | Payable whenever we arrange for a discharge of mortgage. There may also be fees charged by a third party. |
| Default Administration Fee 1 | Late payment | $35 | — | Where one payment or less is in arrears at the end of the month. |
| Default Administration Fee 2 | Late payment | $50 | — | Where more than one repayment is in default (the fee will be charged the month the payment is due and each later month until the month after you pay the amount). |
| Other Fees and Charges | Other | Varies | — | Other Fees and Charges: Including Government fees and Charges, Legal Fees, Lender's Mortgage Insurance. |
| Financial Institution Cheque Replacement | Replacement | $15 | — | Fee applies if you request us to replace a lost/stolen/destroyed financial institution cheque we have drawn on your behalf. It applies for each replacement cheque and is payable on request. |
| Establishment Fee | Upfront | $595 | — | Establishing a loan is an involved process and requires the expertise of trained staff to assess the loan application, create detailed documentation, coordinate settlement and register the mortgage. |
| Settlement Fee | Upfront | Varies | — | Payable to us when we or our agents are required to attend settlement to collect deeds or related documents or where there are any additional costs associated with settlement (for example, this may i… |
| Title Search Fee | Upfront | $75 | — | This comprises our external searcher’s fee and the Land and Property Information fees. (If the security involves a Community Scheme, or is outside New South Wales, or is old system title, this fee is… |
| Substitution in Security Fee | Variation | $350 | — | Payable when the Security listed on a mortgage is changed. |
| Electronic Transfer Fee | Withdrawal | $30 | — | Payable to us when we are required to electronically transfer money for settlement. |
| Redraw Fee via Branch | Withdrawal | $25 | — | Redraw of advance funds via a Branch. |
| Settlement Cheque Fee NPBS Cheque only | Withdrawal | $5 | — | Payable to us when we are required to issue Financial Institution Cheques for settlement. Financial Institution Cheque means a cheque which is issued by us and drawn on us. Where the settlement chequ… |
§ 03 — Features
RedrawExtra repaymentsDigital banking
- · Flexibility: there is no need to make repayments during the 12 month Bridging Loan period.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Must live in Australia and be either: an Australian citizen, an Australian permanent resident or a New Zealand citizen
- · Available to individuals
- · Maximum LVR 80%
- · Applications for finance are subject to Newcastle Permanent’s normal credit approval process. We recommended contacting us to discuss eligibility requirements as a Bridging Loan is not suitable for a…
§ 05 — Compare
§ 06 — Run the numbers
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Published by Newcastle Permanent Building Society under the Consumer Data Right, last changed by them on 25 Aug 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.