Real Options Home Loan Principal and Interest
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.94%p.a.
Comparison*
5.98%p.a.
Monthly repayment
$2,978
LVR —
Newcastle Permanent Building Society Home Loan Rates
Active products
57
Lowest variable
5.94%
Lowest fixed
6.29%
Lowest comparison
5.98%
Last updated
31 July 2026
Newcastle Permanent is one of the largest customer-owned building societies in Australia, headquartered in the Hunter region of NSW. Its Premium Plus Package adds offset and redraw on the Premium Variable Home Loan, with strong rates for lower-LVR owner-occupiers in NSW.
What is the lowest Newcastle Permanent Building Society home loan rate?
The lowest Newcastle Permanent Building Society variable home loan rate Ratesniffers tracks is 5.94% p.a., and the lowest fixed rate is 6.29% p.a. These figures come from the 52 Newcastle Permanent Building Society products on this page, ranked by comparison rate, refreshed daily (last updated 31 July 2026).
How many home loan products does Newcastle Permanent Building Society offer?
Ratesniffers currently tracks 52 Newcastle Permanent Building Society home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Newcastle Permanent Building Society home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 5.94% p.a. | 5.98% p.a. | — |
| Variable Owner-occupier P&I | 5.94% p.a. | 5.98% p.a. | — |
| Variable Owner-occupier P&I | 5.94% p.a. | 5.98% p.a. | — |
| Variable Investor P&I | 6.14% p.a. | 6.18% p.a. | — |
| Variable Investor P&I | 6.14% p.a. | 6.18% p.a. | — |
| Variable Investor P&I | 6.14% p.a. | 6.18% p.a. | — |
| Variable Owner-occupier interest-only | 6.19% p.a. | 6.23% p.a. | — |
| Variable Owner-occupier interest-only | 6.19% p.a. | 6.23% p.a. | — |
| Variable Owner-occupier interest-only | 6.19% p.a. | 6.23% p.a. | — |
| Fixed 2-year Owner-occupier P&I | 6.29% p.a. | 6.33% p.a. | 95% |
| Fixed 1-year Owner-occupier P&I | 6.29% p.a. | 6.33% p.a. | 95% |
| Fixed 2-year Owner-occupier P&I | 6.29% p.a. | 6.33% p.a. | 95% |
52 Newcastle Permanent Building Society home loan products
Real Deal Home Loan Principal and Interest
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.94%p.a.
Comparison*
5.98%p.a.
Monthly repayment
$2,978
LVR ≤80%
Premium Plus Package Variable Home Loan Principal and Interest
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.94%p.a.
Comparison*
5.98%p.a.
Monthly repayment
$2,978
LVR ≤80%
Real Deal Home Loan Investment Principal and Interest
InvestorVariableP&IRedrawExtra repayments
Interest
6.14%p.a.
Comparison*
6.18%p.a.
Monthly repayment
$3,043
LVR ≤80%
Premium Plus Package Variable Home Loan Investment Principal and Interest
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.14%p.a.
Comparison*
6.18%p.a.
Monthly repayment
$3,043
LVR ≤80%
Real Options Home Loan Investment Principal and Interest
InvestorVariableP&IRedrawExtra repayments
Interest
6.14%p.a.
Comparison*
6.18%p.a.
Monthly repayment
$3,043
LVR —
Premium Plus Package Variable Home Loan Interest Only
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Monthly repayment
$3,059
LVR ≤80%
Real Deal Home Loan Interest Only
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Monthly repayment
$3,059
LVR ≤80%
Real Options Home Loan Interest Only
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Monthly repayment
$3,059
LVR —
Fixed Rate Home Loan Principal and Interest
Owner-occupier2y FixedP&IExtra repayments
Interest
6.29%p.a.
Comparison*
6.33%p.a.
Monthly repayment
$3,092
LVR ≤80%
Fixed Rate Home Loan Principal and Interest
Owner-occupier1y FixedP&IExtra repayments
Interest
6.29%p.a.
Comparison*
6.33%p.a.
Monthly repayment
$3,092
LVR ≤80%
Premium Plus Package Fixed Rate Home Loan Principal and Interest
Owner-occupier2y FixedP&IRedrawExtra repayments
Interest
6.29%p.a.
Comparison*
6.33%p.a.
Monthly repayment
$3,092
LVR ≤80%
Premium Plus Package Fixed Rate Home Loan Principal and Interest
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.29%p.a.
Comparison*
6.33%p.a.
Monthly repayment
$3,092
LVR ≤80%
Fixed Rate Home Loan Principal and Interest
Owner-occupier3y FixedP&IExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR ≤80%
Premium Plus Package Fixed Rate Home Loan Principal and Interest
Owner-occupier3y FixedP&IRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR ≤80%
Premium Plus Package Fixed Rate Home Loan Investment Principal and Interest
Investor1y FixedP&IRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR ≤80%
Premium Plus Package Fixed Rate Home Loan Investment Principal and Interest
Investor2y FixedP&IRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR ≤80%
Fixed Rate Home Loan Investment Principal and Interest
Investor1y FixedP&IExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR ≤80%
Fixed Rate Home Loan Investment Principal and Interest
Investor2y FixedP&IExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR ≤80%
Premium Plus Package Variable Home Loan Investment Interest Only
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR ≤80%
Real Deal Home Loan Investment Interest Only
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR ≤80%
Real Options Home Loan Investment Interest Only
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR —
Fixed Rate Home Loan Principal and Interest
Owner-occupier4y FixedP&IExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
Fixed Rate Home Loan Principal and Interest
Owner-occupier5y FixedP&IExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
Premium Plus Package Fixed Rate Home Loan Principal and Interest
Owner-occupier5y FixedP&IRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
Premium Plus Package Fixed Rate Home Loan Principal and Interest
Owner-occupier4y FixedP&IRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
Premium Plus Package Fixed Rate Home Loan Investment Principal and Interest
Investor3y FixedP&IRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
Fixed Rate Home Loan Investment Principal and Interest
Investor3y FixedP&IExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
Fixed Rate Home Loan Investment Interest Only
Investor1y FixedInterest onlyExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
Fixed Rate Home Loan Investment Interest Only
Investor2y FixedInterest onlyExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
Premium Plus Package Fixed Rate Home Loan Investment Interest Only
Investor2y FixedInterest onlyRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
Premium Plus Package Fixed Rate Home Loan Investment Interest Only
Investor1y FixedInterest onlyRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
Premium Plus Package Fixed Rate Home Loan Investment Principal and Interest
Investor4y FixedP&IRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,190
LVR ≤80%
Premium Plus Package Fixed Rate Home Loan Investment Principal and Interest
Investor5y FixedP&IRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,190
LVR ≤80%
Fixed Rate Home Loan Investment Principal and Interest
Investor4y FixedP&IExtra repayments
Interest
6.59%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,190
LVR ≤80%
Fixed Rate Home Loan Investment Principal and Interest
Investor5y FixedP&IExtra repayments
Interest
6.59%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,190
LVR ≤80%
Fixed Rate Home Loan Investment Interest Only
Investor3y FixedInterest onlyExtra repayments
Interest
6.59%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,190
LVR ≤80%
Premium Plus Package Fixed Rate Home Loan Investment Interest Only
Investor3y FixedInterest onlyRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,190
LVR ≤80%
Premium Plus Package Fixed Rate Home Loan Interest Only
Owner-occupier2y FixedInterest onlyRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR ≤80%
Premium Plus Package Fixed Rate Home Loan Interest Only
Owner-occupier1y FixedInterest onlyRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR ≤80%
Fixed Rate Home Loan Investment Interest Only
Investor5y FixedInterest onlyExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR ≤80%
Fixed Rate Home Loan Investment Interest Only
Investor4y FixedInterest onlyExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR ≤80%
Premium Plus Package Fixed Rate Home Loan Investment Interest Only
Investor5y FixedInterest onlyRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR ≤80%
Premium Plus Package Fixed Rate Home Loan Investment Interest Only
Investor4y FixedInterest onlyRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR ≤80%
Fixed Rate Home Loan Interest Only
Owner-occupier2y FixedInterest onlyExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR ≤80%
Fixed Rate Home Loan Interest Only
Owner-occupier1y FixedInterest onlyExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR ≤80%
Premium Plus Package Fixed Rate Home Loan Interest Only
Owner-occupier3y FixedInterest onlyRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR ≤80%
Fixed Rate Home Loan Interest Only
Owner-occupier3y FixedInterest onlyExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR ≤80%
Premium Plus Package Fixed Rate Home Loan Interest Only
Owner-occupier5y FixedInterest onlyRedrawExtra repayments
Interest
6.89%p.a.
Comparison*
6.93%p.a.
Monthly repayment
$3,290
LVR ≤80%
Premium Plus Package Fixed Rate Home Loan Interest Only
Owner-occupier4y FixedInterest onlyRedrawExtra repayments
Interest
6.89%p.a.
Comparison*
6.93%p.a.
Monthly repayment
$3,290
LVR ≤80%
Fixed Rate Home Loan Interest Only
Owner-occupier5y FixedInterest onlyExtra repayments
Interest
6.89%p.a.
Comparison*
6.93%p.a.
Monthly repayment
$3,290
LVR ≤80%
Fixed Rate Home Loan Interest Only
Owner-occupier4y FixedInterest onlyExtra repayments
Interest
6.89%p.a.
Comparison*
6.93%p.a.
Monthly repayment
$3,290
LVR ≤80%
Negotiate Newcastle Permanent Building Society rates with a broker
Advertised rates aren't always the rate Newcastle Permanent Building Society actually approves. Our broker negotiates against your specific scenario, no fee.
Who is Newcastle Permanent Building Society?
Newcastle Permanent is a customer-owned lender founded in 1903, historically one of Australia's largest building societies. In March 2023 it merged with Greater Bank to form NGM Group (Newcastle Greater Mutual Group), one of the country's biggest customer-owned banking groups, with the Newcastle Permanent brand continuing under the group.
Its heartland is Newcastle, the Hunter and regional New South Wales, where most of its several hundred thousand customers live, backed by a real branch network. As a mutual, profits are returned to customers through pricing and service rather than paid out to shareholders.
Who suits a Newcastle Permanent Building Society home loan?
Newcastle Permanent tends to suit NSW borrowers, especially in Newcastle, the Hunter and regional areas, who want customer-owned pricing without giving up branches, and it has a long first home buyer heritage. Its variable rates regularly appear near the top of our leaderboard, so check the live table above to see where it sits today.
Background facts checked 14 July 2026. Rates above refresh independently.
Newcastle Permanent Building Society home loans: frequently asked questions
What is the lowest Newcastle Permanent Building Society home loan rate?
Newcastle Permanent Building Society's lowest variable home loan rate is currently 5.94% p.a., and its lowest fixed rate is 6.29% p.a., based on the 52 Newcastle Permanent Building Society products Ratesniffers ranks by comparison rate, refreshed daily (last updated 31 July 2026). The advertised rate isn't always the rate Newcastle Permanent Building Society approves, a broker can often negotiate a sharper deal on your scenario.
How does Newcastle Permanent Building Society's home loan rate compare to the market?
Newcastle Permanent Building Society's lowest variable home loan rate today is 5.94% p.a., which is 15 basis points below the market median of 6.09% p.a., which puts Newcastle Permanent Building Society among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Newcastle Permanent Building Society sits right now rather than a fixed snapshot.
How many home loan products does Newcastle Permanent Building Society offer?
Ratesniffers currently tracks 57 Newcastle Permanent Building Society home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 52 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Newcastle Permanent Building Society competitive for refinancing?
It depends on your loan size and LVR. Newcastle Permanent Building Society's lowest comparison rate is currently 5.98% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Newcastle Permanent Building Society against the sharpest available rate usually pays off.
How often are Newcastle Permanent Building Society's home loan rates updated?
Ratesniffers refreshes Newcastle Permanent Building Society's home loan rates daily; this page was last updated 31 July 2026. Rates can change whenever Newcastle Permanent Building Society reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
Newcastle Permanent Building Society rates by borrower and loan type
The same Newcastle Permanent Building Society panel, filtered to the scenario you're actually shopping for.
- Newcastle Permanent Building Society owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- Newcastle Permanent Building Society investor ratesInvestment lending, interest-only where offered.
- Newcastle Permanent Building Society refinance ratesRefinance-eligible products versus your current rate.
- Newcastle Permanent Building Society first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- Newcastle Permanent Building Society fixed rates1 to 5-year terms where available.
- Newcastle Permanent Building Society variable ratesFlexible repayments, offset-compatible products.
- Newcastle Permanent Building Society interest-only ratesIO terms, mostly investor products.
- Newcastle Permanent Building Society offset loans100% offset-account-eligible products.
Compare home loans across the market by purpose
The whole visible panel, sliced by what borrowers actually search for.
Research Newcastle Permanent Building Society
Our independent review, and how they stack up head to head.
Other lenders you might compare
Same purpose-built rate cards, different lender panels.
Mortgage guides and market context
Plain-English explainers, plus where rates sit across the market today.