Newcastle Permanent Building SocietyReal Deal Basic Variable Owner Occupied <80% LVR >$500k P&I Special
VariableRedraw
Interest
5.94%p.a.
Comparison*
Not available
Est. repayment
$2,978
LVR ≤80%
Newcastle Permanent Building Society Home Loan Rates
Tracked products
208
Lowest variable
5.94%
Lowest fixed
6.29%
Lowest comparison
5.98%
Last updated
15 Sept 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 are Newcastle Permanent Building Society home loan rates?
Newcastle Permanent Building Society home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 5.94% p.a. and the lowest fixed rate currently 6.29% p.a., checked daily (last verified 15 Sept 2026). Compare Newcastle Permanent Building Society against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
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 60 Newcastle Permanent Building Society products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 15 Sept 2026).
How many home loan products does Newcastle Permanent Building Society offer?
Ratesniffers currently tracks 208 Newcastle Permanent Building Society home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. 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. | n/a | 80% |
| Variable Owner-occupier P&I | 5.94% p.a. | 5.98% p.a. | n/a |
| Variable Owner-occupier P&I | 5.94% p.a. | 5.98% p.a. | n/a |
| Variable Owner-occupier P&I | 5.94% p.a. | 5.98% p.a. | n/a |
| Variable Owner-occupier P&I | 5.99% p.a. | n/a | 80% |
| Variable Investor P&I | 6.14% p.a. | n/a | 80% |
| Variable Investor P&I | 6.19% p.a. | n/a | 80% |
| Variable Owner-occupier interest-only | 6.19% p.a. | n/a | 80% |
| Variable Owner-occupier interest-only | 6.19% p.a. | 6.20% p.a. | n/a |
| Variable Owner-occupier interest-only | 6.19% p.a. | 6.20% p.a. | n/a |
| Variable Owner-occupier interest-only | 6.19% p.a. | 6.20% p.a. | n/a |
| Fixed 1-year Owner-occupier P&I | 6.29% p.a. | 6.33% p.a. | 95% |
60 of 208 tracked Newcastle Permanent Building Society home loan products
Interest
5.94%p.a.
Comparison*
5.98%p.a.
Est. repayment
$2,978
LVR not stated
Interest
5.94%p.a.
Comparison*
5.98%p.a.
Est. repayment
$2,978
LVR ≤80%
Newcastle Permanent Building SocietyPremium Plus Package Variable Home Loan Principal and Interest
VariableOffsetRedraw
Interest
5.94%p.a.
Comparison*
5.98%p.a.
Est. repayment
$2,978
LVR ≤80%
Newcastle Permanent Building SocietyReal Deal Basic Variable Owner Occupied <80% LVR $150k+ P&I Special
VariableRedraw
Interest
5.99%p.a.
Comparison*
Not available
Est. repayment
$2,995
LVR ≤80%
Newcastle Permanent Building SocietyReal Deal Basic Variable Investment <80% LVR >500k P&I Special
VariableRedraw
Interest
6.14%p.a.
Comparison*
Not available
Est. repayment
$3,043
LVR ≤80%
Newcastle Permanent Building SocietyReal Deal Basic Variable Investment <80% LVR $150k+ P&I Special
VariableRedraw
Interest
6.19%p.a.
Comparison*
Not available
Est. repayment
$3,059
LVR ≤80%
Newcastle Permanent Building SocietyReal Deal Basic Variable Owner Occupied <80% LVR $150k+ IO Special
VariableRedraw
Interest
6.19%p.a.
Comparison*
Not available
Est. repayment
$3,059
LVR ≤80%
Newcastle Permanent Building SocietyPremium Plus Package Variable Home Loan Interest Only
VariableOffsetRedraw
Interest
6.19%p.a.
Comparison*
6.20%p.a.
Est. repayment
$3,059
LVR ≤80%
Interest
6.19%p.a.
Comparison*
6.20%p.a.
Est. repayment
$3,059
LVR ≤80%
Interest
6.19%p.a.
Comparison*
6.20%p.a.
Est. repayment
$3,059
LVR not stated
Interest
6.29%p.a.
Comparison*
6.33%p.a.
Est. repayment
$3,092
LVR ≤80%
Newcastle Permanent Building SocietyPremium Plus Package Fixed Rate Home Loan Principal and Interest
1y FixedRedraw
Interest
6.29%p.a.
Comparison*
6.33%p.a.
Est. repayment
$3,092
LVR ≤80%
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR ≤80%
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR ≤80%
Newcastle Permanent Building SocietyPremium Plus Package <80% LVR >$500k Owner Occupied P&I Special
VariableOffsetRedraw
Interest
6.04%p.a.
Comparison*
6.41%p.a.
Est. repayment
$3,011
LVR ≤80%
Newcastle Permanent Building SocietyReal Deal Basic Variable Investment <80% LVR $150k+ IO Special
VariableRedraw
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR ≤80%
Newcastle Permanent Building SocietyPremium Plus Package Fixed Rate 1 Year Investment <80% LVR IO Special
1y FixedRedraw
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤80%
Newcastle Permanent Building SocietyPremium Plus Package Fixed Rate 2 Year Investment <80% LVR IO Special
2y FixedRedraw
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤95%
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤95%
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤80%
Newcastle Permanent Building SocietyReal Deal Home Loan Investment Principal and Interest
VariableRedraw
Interest
6.14%p.a.
Comparison*
6.50%p.a.
Est. repayment
$3,043
LVR ≤80%
Newcastle Permanent Building SocietyPremium Plus Package Variable Home Loan Investment Principal and Interest
VariableOffsetRedraw
Interest
6.14%p.a.
Comparison*
6.50%p.a.
Est. repayment
$3,043
LVR ≤80%
Newcastle Permanent Building SocietyReal Options Home Loan Investment Principal and Interest
VariableRedraw
Interest
6.14%p.a.
Comparison*
6.50%p.a.
Est. repayment
$3,043
LVR not stated
Newcastle Permanent Building SocietyPremium Plus Package <80% LVR $150k+ Owner Occupied P&I Special
VariableOffsetRedraw
Interest
6.14%p.a.
Comparison*
6.51%p.a.
Est. repayment
$3,043
LVR ≤80%
Newcastle Permanent Building SocietyPremium Plus Package $150k+ <80% LVR Investment IO Special
VariableOffsetRedraw
Interest
6.58%p.a.
Comparison*
Not available
Est. repayment
$3,187
LVR ≤80%
Newcastle Permanent Building SocietyPremium Plus Package Fixed Rate 1 Year Investment IO
1y FixedRedraw
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR ≤90%
Newcastle Permanent Building SocietyPremium Plus Package Fixed Rate 2 Year Investment IO
2y FixedRedraw
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR ≤90%
Newcastle Permanent Building SocietyPremium Plus Package Fixed Rate 3 Year Investment <80% LVR IO Special
3y FixedRedraw
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR ≤80%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR ≤80%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR ≤95%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR ≤80%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR ≤95%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR ≤80%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR ≤95%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR ≤80%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR ≤80%
Newcastle Permanent Building SocietyPremium Plus Package <80% LVR >$500k Investment P&I Special
VariableOffsetRedraw
Interest
6.24%p.a.
Comparison*
6.61%p.a.
Est. repayment
$3,075
LVR ≤80%
Newcastle Permanent Building SocietyPremium Plus Package <80% LVR $150k+ Owner Occupied IO Special
VariableOffsetRedraw
Interest
6.65%p.a.
Comparison*
Not available
Est. repayment
$3,210
LVR ≤80%
Newcastle Permanent Building SocietyPremium Plus Package Variable Home Loan Investment Interest Only
VariableOffsetRedraw
Interest
6.44%p.a.
Comparison*
6.69%p.a.
Est. repayment
$3,141
LVR ≤80%
Interest
6.44%p.a.
Comparison*
6.69%p.a.
Est. repayment
$3,141
LVR ≤80%
Interest
6.44%p.a.
Comparison*
6.69%p.a.
Est. repayment
$3,141
LVR not stated
Newcastle Permanent Building SocietyPremium Plus Package Fixed Rate 1 Year Owner Occupied <80% LVR IO Special
1y FixedRedraw
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤80%
Newcastle Permanent Building SocietyPremium Plus Package Fixed Rate 2 Year Owner Occupied <80% LVR IO Special
2y FixedRedraw
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤80%
Newcastle Permanent Building SocietyPremium Plus Package Fixed Rate 3 Year Investment IO
3y FixedRedraw
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤90%
Newcastle Permanent Building SocietyPremium Plus Package Fixed Rate 4 Year Investment <80% LVR IO Special
4y FixedRedraw
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤80%
Newcastle Permanent Building SocietyPremium Plus Package Fixed Rate 5 Year Investment <80% LVR IO Special
5y FixedRedraw
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤90%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤90%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤95%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤95%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤95%
Newcastle Permanent Building SocietyPremium Plus Package <80% LVR $150k+ Investment P&I Special
VariableOffsetRedraw
Interest
6.34%p.a.
Comparison*
6.70%p.a.
Est. repayment
$3,108
LVR ≤80%
Newcastle Permanent Building SocietyReal Deal Basic Variable Owner Occupied 80% - 95% LVR $150k+ P&I Special
VariableRedraw
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR 80 to 95%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Newcastle Permanent Building Society home loan repayment calculator
Pre-filled with Newcastle Permanent Building Society's lowest advertised variable rate in the table above, 5.94% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
The amount you want to borrow.
Newcastle Permanent Building Society's lowest variable today: 5.94%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$2,978
Fortnightly repayment
$1,375
Total interest
$572,257
30 years at 5.94% (P&I)
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
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 first home buyers, since it is an approved lender for the Australian Government 5% Deposit Scheme. Its variable rates regularly appear near the top of our leaderboard, so check the live table above to see where it sits today.
Since the 2023 merger, its sister brand Greater Bank runs under the same NGM Group and is worth comparing too, since each brand keeps its own pricing. Buying or refinancing in its home city? See home loan rates in Newcastle.
Background facts checked 5 September 2026. Rates above refresh independently.
Newcastle Permanent Building Society home loan products explained
The line-up as published by Newcastle Permanent Building Society, checked 5 September 2026. Today's rate for each product is in the table above.
| Product | Who it is for | What to know |
|---|---|---|
| Real Deal Home Loan | First home buyers and refinancers who want a variable loan with no ongoing fees. | Nil monthly and annual fees, $595 establishment fee, redraw with fee-free online redraw, extra repayments and split loans allowed, loans from $50,000, LVR under 95%, principal and interest or interest-only. |
| Premium Plus Package Variable | Borrowers who want a 100% offset account and packaged extras. | $395 annual package fee, nil establishment and monthly fees, 100% interest offset account, fee-free redraw, Value+ credit card with no annual fee, insurance discounts, LVR under 95% on principal and interest. |
| Premium Plus Package Fixed | Borrowers who want certainty with package benefits. | Fixed terms with a 100% offset account, extra repayments up to $25,000 a year, redraw from $500 capped at $25,000 a year, split loan option, principal and interest. |
| Fixed Rate Home Loan | Owner-occupiers who want repayment certainty without the package. | Extra repayments up to $25,000 a year with break costs beyond that, split loan option, principal and interest. |
Newcastle Permanent Building Society fees, offset and limits at a glance
- Application or establishment fee
- $595
- Discharge fee
- $250
- Settlement fee
- .
- Additional valuation fee
- $500
- Rate lock fee
- $750 per Rate Lock
- Loan portability
- $350 plus valuation if required. Fees to be paid upfront
- Offset account
- 100% offset account is only available on the Premium Plus Package Variable Rate
- Capitalising LMI
- Mav LVR is 95% inc LMI. LMI is capitalised on the base loan plus applicable fees including registration…
- Extra repayments on fixed
- Max of $25k per calendar year
- When the fixed rate is locked
- Fixed rate is secured at settlement unless Rate Lock is selected during the application process.
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
Newcastle Permanent Building Society home loan fees and policy
- The Real Deal Home Loan carries a $595 establishment fee, nil monthly and annual fees, a $50,000 minimum loan and an LVR under 95%.
- The Premium Plus Package costs $395 a year with nil establishment and monthly fees, and includes a 100% interest offset account, a Value+ credit card with no annual fee and discounts on eligible insurance.
- Fixed rate loans allow up to $25,000 of extra repayments a year; break costs apply beyond that.
- Newcastle Permanent is an approved lender for the Australian Government 5% Deposit Scheme: eligible first home buyers from a 5% deposit and eligible single parents from 2%, with no Lenders Mortgage Insurance. From 1 October 2025 the scheme has had higher property price caps and fewer eligibility restrictions.
- Newcastle Permanent is part of Newcastle Greater Mutual Group Ltd (NGM Group), Australian Credit Licence 238273, and its offers exclude refinances from sister brand Greater Bank.
Sources checked 5 September 2026: www.newcastlepermanent.com.au, www.newcastlepermanent.com.au, Newcastle Permanent home loans, Newcastle Permanent Real Deal Home Loan, Newcastle Permanent Premium Plus Package Variable, Newcastle Permanent first home buyers.
Newcastle Permanent Building Society home loans: frequently asked questions
What are Newcastle Permanent Building Society home loan rates?
Newcastle Permanent Building Society home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 5.94% p.a., and the lowest fixed rate is 6.29% p.a., checked daily (last verified 15 Sept 2026). Compare Newcastle Permanent Building Society against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Newcastle Permanent Building Society balance, use /calculators/extra-repayment.
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 60 Newcastle Permanent Building Society products Ratesniffers ranks by comparison rate, checked daily (last verified 15 Sept 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.
What is the monthly repayment on a $600,000 Newcastle Permanent Building Society home loan?
At Newcastle Permanent Building Society's lowest variable rate of 5.94% p.a., a $600,000 principal and interest loan over 30 years repays about $3,574 a month, and $500,000 about $2,978. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Newcastle Permanent Building Society home loan?
There is no single salary. Like every Australian lender, Newcastle Permanent Building Society must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 5.94% p.a. is assessed at about 8.94% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
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 30 basis points below the market median of 6.24% 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 208 Newcastle Permanent Building Society home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing 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 15 Sept 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.
What does Newcastle Permanent charge to set up, switch or discharge a home loan?
The establishment fee is $595 on the Real Deal, Fixed Rate and Bridging loans and nil on the Premium Plus Package, which instead charges $395 a year. A $350 application fee applies to top-ups, and switching products costs $350 outside the package. A discharge administration fee applies when the loan is repaid in full, plus any costs incurred.
Does Newcastle Permanent lend to self-employed borrowers?
Yes, self-employed borrowers can apply. Newcastle Permanent's home loan application checklist does not list a fixed set of documents for them; its lending staff advise at your appointment what financial information is required. Salaried applicants supply a recent payslip and their latest income statement or tax return, while investors supply a personal tax return and Notice of Assessment.
What are Newcastle Permanent's home loan rates in September 2026?
Newcastle Permanent's current home loan rates are in the live table above, ranked by comparison rate and refreshed from its published pricing rather than frozen into this answer. The Real Deal, Premium Plus Package and Fixed Rate loans price differently by LVR and loan size, so compare comparison rates, which include the $395 package fee where it applies.
Does Newcastle Permanent offer first home buyer loans with a 5% deposit?
Yes. Newcastle Permanent is an approved lender for the Australian Government 5% Deposit Scheme, so eligible first home buyers can apply with a 5% deposit and eligible single parents with 2%, without Lenders Mortgage Insurance. Since 1 October 2025 the scheme has had higher property price caps and fewer eligibility restrictions. Its Real Deal Home Loan is pitched at first home buyers.
What is the Newcastle Permanent Real Deal Home Loan?
The Real Deal Home Loan is Newcastle Permanent's variable loan for first home buyers and refinancers. It has nil monthly and annual fees, a $595 establishment fee, redraw, extra repayments, a split loan option and a $50,000 minimum, with LVR under 95%. Its current rate is in the table above; compare its comparison rate against the packaged Premium Plus Variable.
Does Newcastle Permanent charge an annual fee on its home loans?
Only on the Premium Plus Package, which costs $395 a year and in return has nil establishment and monthly fees, a 100% offset account, a Value+ credit card with no annual fee and insurance discounts. The Real Deal Home Loan has nil monthly and annual fees but a $595 establishment fee, so weigh upfront against ongoing costs with the comparison rate.
Is Newcastle Permanent a bank or a building society?
Newcastle Permanent is a customer-owned lender that is part of Newcastle Greater Mutual Group Ltd (NGM Group), which also owns Greater Bank, and lends under Australian Credit Licence 238273. As a mutual, it returns profits to customers through pricing and service rather than to shareholders. Its home loan offers exclude refinances from Greater Bank, since both brands sit in the same group.