Newcastle Permanent Building Society Home Loan Rates
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.
Tracked products
208
Variable product example
—
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Fixed product example
6.39%
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.
Fixed example comparison
7.91%
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.
Last updated
1 November 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?
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.
What is the lowest Newcastle Permanent Building Society home loan 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
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 17 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
Fixed 1-year Owner-occupier interest-only
6.89% p.a.
8.23% p.a.
90%
Fixed 1-year Owner-occupier P&I
6.49% p.a.
8.24% p.a.
95%
Fixed 1-year Owner-occupier interest-only
6.89% p.a.
8.24% p.a.
90%
Fixed 2-year Investor P&I
6.59% p.a.
8.29% p.a.
95%
Fixed 2-year Investor P&I
6.59% p.a.
8.31% p.a.
95%
Fixed 2-year Investor interest-only
6.69% p.a.
8.31% p.a.
90%
Fixed 2-year Investor interest-only
6.69% p.a.
8.33% p.a.
90%
Fixed 2-year Investor P&I
6.49% p.a.
8.34% p.a.
80%
Fixed 2-year Investor P&I
6.59% p.a.
8.36% p.a.
95%
Fixed 1-year Investor P&I
6.59% p.a.
8.50% p.a.
95%
Fixed 1-year Investor P&I
6.59% p.a.
8.50% p.a.
95%
Fixed 1-year Investor interest-only
6.69% p.a.
8.52% p.a.
90%
17 of 208 tracked Newcastle Permanent Building Society home loan products
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.
*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.
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.
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 8 Oct 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.
Newcastle Permanent Building Society home loans: frequently asked questions
What are Newcastle Permanent Building Society home loan rates?
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 at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.
What is the lowest Newcastle Permanent Building Society home loan 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
How much do you need to earn for a $500,000 Newcastle Permanent Building Society home loan?
There is no single salary requirement for a Newcastle Permanent Building Society home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish Newcastle Permanent Building Society's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does Newcastle Permanent Building Society's home loan rate compare to the market?
Compare Newcastle Permanent Building Society's product conditions and comparison rates with /home-loans. The available table does not establish a whole-market ranking or a personalised offer.
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 17 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?
Compare Newcastle Permanent Building Society's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
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 1 November 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 November 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.
