Newcastle Permanent Building Society lifted its variable home-loan rates by 0.25 percentage points from 9 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
A verified Newcastle Permanent Building Society product example is Premium Plus Package Fixed Rate 3 Year Owner Occupied <80% LVR P&I Special: 6.39% p.a. (7.91% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
A verified Newcastle Permanent Building Society product example is Premium Plus Package Fixed Rate 3 Year Owner Occupied <80% LVR P&I Special: 6.39% p.a. (7.91% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
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.
Ratesniffers compares Newcastle Permanent Building Society home loan products by comparison rate. A verified Newcastle Permanent Building Society product example is Premium Plus Package Fixed Rate 3 Year Owner Occupied <80% LVR P&I Special: 6.39% p.a. (7.91% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. 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.
A verified Newcastle Permanent Building Society product example is Premium Plus Package Fixed Rate 3 Year Owner Occupied <80% LVR P&I Special: 6.39% p.a. (7.91% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
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 46 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.
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Fixed 4-year Investor interest-only | 6.79% p.a. | n/a | 80% |
| Fixed 4-year Investor P&I | 6.79% p.a. | n/a | 95% |
| Fixed 5-year Investor interest-only | 6.79% p.a. | n/a | 80% |
| Fixed 5-year Investor P&I | 6.79% p.a. | n/a | 95% |
| Fixed 1-year Owner-occupier interest-only | 6.79% p.a. | n/a | 80% |
| Fixed 2-year Owner-occupier interest-only | 6.79% p.a. | n/a | 80% |
| Fixed 3-year Owner-occupier interest-only | 6.79% p.a. | n/a | 80% |
| Fixed 4-year Investor interest-only | 6.79% p.a. | n/a | 90% |
| Fixed 5-year Investor interest-only | 6.79% p.a. | n/a | 90% |
| Variable Investor interest-only | 6.83% p.a. | n/a | 80% |
| Variable Investor P&I | 6.49% p.a. | 6.85% p.a. | 80% |
| Fixed 4-year Owner-occupier interest-only | 6.89% p.a. | n/a | 80% |
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
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 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.
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.
Buying or refinancing in its home city? See home loan rates in Newcastle.
Background facts checked 5 September 2026. Rates above refresh independently.
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. |
Checked 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
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.
