Newcastle Permanent
Real Deal Home Loan Investment Principal and Interest
One of our best rates, includes redraw and allows additional repayments.
Home loansBank updated 25 Aug 2026
At a glance
- Variable (investor P&I)
- 6.19%
- Max LVR
- 95%
- Features
- redraw, extra repayments
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment · P&I | — | — | 8.44% | 8.49% | — |
| VariableReal Deal Special 1 available for loans $150k+, with LVR of 80% or less | Investment · P&I | — | ≤80% LVR · $150,000+ | 6.19% | 6.23% | — |
| VariableReal Deal Special 2 available for loans $150k+, with LVR above 80% | Investment · P&I | — | 80–95% LVR · $150,000+ | 6.84% | 6.88% | — |
§ 02 — Fees · 16
| 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. |
| 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). |
| Application Fee | Upfront | $350 | — | Payable to us when increasing borrowing against an existing security. Also known as a loan top-up. |
| 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. |
| 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… |
| Conversion Fee | Variation | $350 | — | May be payable when converting loan product type. |
| Substitution in Security Fee | Variation | $350 | — | Payable when the Security listed on a mortgage is changed. You may also be charged a valuation fee which is unascertainable. |
| 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
- · Split Loan
- · 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.
§ 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
- · Amount $50,000 to no maximum
- · Maximum LVR 95%
- · Credit Approval. Applications for home loans are subject to the Bank's normal credit approval.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
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.