Newcastle Permanent
Fixed Rate Home Loan Principal and Interest
Lock in your repayments with a fixed rate, with options up to 5 years.
Home loansBank updated 1 Sept 2026
At a glance
- Fixed
- 1 yr 6.39% · 2 yrs 6.39% · 3 yrs 6.49% · 4 yrs 6.59% · 5 yrs 6.59%
- Max LVR
- 95%
- Features
- extra repayments
§ 01 — Rates · 10
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedReverts to the Real Deal Home Loan at the end of the Fixed Rate period. | Owner occupied · P&I | 1 yr fixed | ≤80% LVR | 6.39% | 7.96% | — |
| FixedReverts to the Real Deal Home Loan at the end of the Fixed Rate period. | Owner occupied · P&I | 1 yr fixed | 80–95% LVR | 6.49% | 7.97% | — |
| FixedReverts to the Real Deal Home Loan at the end of the Fixed Rate period. | Owner occupied · P&I | 2 yrs fixed | ≤80% LVR | 6.39% | 7.79% | — |
| FixedReverts to the Real Deal Home Loan at the end of the Fixed Rate period. | Owner occupied · P&I | 2 yrs fixed | 80–95% LVR | 6.49% | 7.81% | — |
| FixedReverts to the Real Deal Home Loan at the end of the Fixed Rate period. | Owner occupied · P&I | 3 yrs fixed | ≤80% LVR | 6.49% | 7.66% | — |
| FixedReverts to the Real Deal Home Loan at the end of the Fixed Rate period. | Owner occupied · P&I | 3 yrs fixed | 80–95% LVR | 6.59% | 7.69% | — |
| FixedReverts to the Real Deal Home Loan at the end of the Fixed Rate period. | Owner occupied · P&I | 4 yrs fixed | ≤80% LVR | 6.59% | 7.57% | — |
| FixedReverts to the Real Deal Home Loan at the end of the Fixed Rate period. | Owner occupied · P&I | 4 yrs fixed | 80–95% LVR | 6.69% | 7.61% | — |
| FixedReverts to the Real Deal Home Loan at the end of the Fixed Rate period. | Owner occupied · P&I | 5 yrs fixed | ≤80% LVR | 6.59% | 7.46% | — |
| FixedReverts to the Real Deal Home Loan at the end of the Fixed Rate period. | Owner occupied · P&I | 5 yrs fixed | 80–90% LVR | 6.69% | 7.50% | — |
§ 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. |
| Break Costs Fixed Rate Loans | Exit | Varies | — | Are payable when before the end of the fixed rate period the borrower “breaks” the fixed rate by: repaying all of the amount owing; or repaying early more than $25,000 during any calendar year; or sw… |
| 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. |
| Rate Lock Fee | Upfront | $750 | — | This fee is charged for each loan account for which you've opted to lock in a rate, and for each instance of locking in a rate. We charge the Rate Lock Fee to your loan account on the day the loan is… |
| 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
Extra repaymentsDigital banking
- · 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…
- · Split Loan
- · Additional Repayments allowed up to $25000 p.a.
§ 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 $5,000 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
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Published by Newcastle Permanent under the Consumer Data Right, last changed by them on 1 Sept 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.