Newcastle Permanent home loans
4 home loans with 24 options: variable or fixed from 1 to 5 years, for owner-occupiers or investors, paying principal and interest or interest only, with rates by deposit size. Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate.
- Real Deal Home LoanRedraw · no ongoing fee6.23%
- Premium Plus Package Variable Home LoanOffset account · redraw · no ongoing fee6.73%
- Fixed Rate Home LoanNo ongoing fee–
- Premium Plus Package Fixed Rate Home LoanRedraw · no ongoing fee–
The lowest rate for each choice: the comparison rate where the lender publishes one, else the advertised rate. Every variant is on the loan's own page.
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
October 20268 changes
- 13Tue
- Premium Plus Package Fixed Rate Home Loan Interest Only10 variants up 0.14 to 0.2213 days after the RBA rise to 4.60%+0.14 to +0.22All Interest Only · Owner-occupier
1yr Fixed · ≤80% LVR 8.02 8.24 +0.22 2yr Fixed · ≤80% LVR 7.91 8.11 +0.20 3yr Fixed · ≤80% LVR 7.82 7.99 +0.17 4yr Fixed · ≤80% LVR 7.77 7.93 +0.16 5yr Fixed · ≤80% LVR 7.70 7.84 +0.14 1yr Fixed · 80–90% LVR 8.04 8.26 +0.22 3yr Fixed · 80–90% LVR 7.88 8.05 +0.17 2yr Fixed · 80–90% LVR 7.96 8.15 +0.19 4yr Fixed · 80–90% LVR 7.85 8.00 +0.15 5yr Fixed · 80–90% LVR 7.79 7.93 +0.14 - Fixed Rate Home Loan Investment Interest Only 10 variants up 0.13 to 0.2213 days after the RBA rise to 4.60%+0.13 to +0.22All Interest Only · Investor
2yr Fixed · ≤80% LVR 8.12 8.31 +0.19 1yr Fixed · ≤80% LVR 8.29 8.51 +0.22 3yr Fixed · ≤80% LVR 7.96 8.14 +0.18 1yr Fixed · 80–90% LVR 8.30 8.52 +0.22 4yr Fixed · ≤80% LVR 7.86 8.02 +0.16 5yr Fixed · ≤80% LVR 7.75 7.88 +0.13 3yr Fixed · 80–90% LVR 7.99 8.17 +0.18 2yr Fixed · 80–90% LVR 8.14 8.33 +0.19 5yr Fixed · 80–90% LVR 7.79 7.93 +0.14 4yr Fixed · 80–90% LVR 7.90 8.05 +0.15 - Premium Plus Package Fixed Rate Home Loan Investment Interest Only10 variants up 0.13 to 0.2213 days after the RBA rise to 4.60%+0.13 to +0.22All Interest Only · Investor
2yr Fixed · ≤80% LVR 8.14 8.33 +0.19 3yr Fixed · ≤80% LVR 8.00 8.17 +0.17 1yr Fixed · ≤80% LVR 8.29 8.51 +0.22 3yr Fixed · 80–90% LVR 8.02 8.19 +0.17 2yr Fixed · 80–90% LVR 8.16 8.35 +0.19 5yr Fixed · ≤80% LVR 7.80 7.93 +0.13 1yr Fixed · 80–90% LVR 8.30 8.52 +0.22 4yr Fixed · ≤80% LVR 7.91 8.06 +0.15 4yr Fixed · 80–90% LVR 7.94 8.09 +0.15 5yr Fixed · 80–90% LVR 7.84 7.98 +0.14 - Fixed Rate Home Loan Investment Principal and Interest10 variants up 0.13 to 0.2213 days after the RBA rise to 4.60%+0.13 to +0.22All P&I · Investor
3yr Fixed · ≤80% LVR 7.93 8.10 +0.17 1yr Fixed · ≤80% LVR 8.28 8.50 +0.22 2yr Fixed · ≤80% LVR 8.09 8.29 +0.20 2yr Fixed · 80–95% LVR 8.11 8.31 +0.20 5yr Fixed · ≤80% LVR 7.69 7.82 +0.13 1yr Fixed · 80–95% LVR 8.29 8.51 +0.22 4yr Fixed · ≤80% LVR 7.81 7.96 +0.15 3yr Fixed · 80–95% LVR 7.96 8.13 +0.17 4yr Fixed · 80–95% LVR 7.85 8.00 +0.15 5yr Fixed · 80–95% LVR 7.73 7.86 +0.13 - Premium Plus Package Fixed Rate Home Loan Investment Principal and Interest 10 variants up 0.13 to 0.2113 days after the RBA rise to 4.60%+0.13 to +0.21All P&I · Investor
2yr Fixed · ≤80% LVR 8.12 8.31 +0.19 3yr Fixed · ≤80% LVR 7.97 8.14 +0.17 1yr Fixed · ≤80% LVR 8.29 8.50 +0.21 1yr Fixed · 80–95% LVR 8.30 8.51 +0.21 5yr Fixed · ≤80% LVR 7.76 7.89 +0.13 3yr Fixed · 80–95% LVR 8.00 8.17 +0.17 4yr Fixed · ≤80% LVR 7.87 8.02 +0.15 2yr Fixed · 80–95% LVR 8.14 8.33 +0.19 4yr Fixed · 80–95% LVR 7.91 8.06 +0.15 5yr Fixed · 80–95% LVR 7.80 7.93 +0.13 - Fixed Rate Home Loan Interest Only10 variants up 0.13 to 0.2313 days after the RBA rise to 4.60%+0.13 to +0.23All Interest Only · Owner-occupier
3yr Fixed · ≤80% LVR 7.79 7.96 +0.17 1yr Fixed · ≤80% LVR 8.01 8.23 +0.22 2yr Fixed · ≤80% LVR 7.89 8.09 +0.20 5yr Fixed · ≤80% LVR 7.65 7.79 +0.14 4yr Fixed · ≤80% LVR 7.73 7.88 +0.15 2yr Fixed · 80–90% LVR 7.93 8.13 +0.20 3yr Fixed · 80–90% LVR 7.84 8.02 +0.18 1yr Fixed · 80–90% LVR 8.03 8.26 +0.23 4yr Fixed · 80–90% LVR 7.80 7.96 +0.16 5yr Fixed · 80–90% LVR 7.74 7.87 +0.13 - Fixed Rate Home Loan Principal and Interest10 variants up 0.13 to 0.2213 days after the RBA rise to 4.60%+0.13 to +0.22All P&I · Owner-occupier
1yr Fixed · ≤80% LVR 7.97 8.19 +0.22 2yr Fixed · ≤80% LVR 7.81 8.00 +0.19 3yr Fixed · ≤80% LVR 7.66 7.83 +0.17 3yr Fixed · 80–95% LVR 7.69 7.86 +0.17 5yr Fixed · ≤80% LVR 7.46 7.59 +0.13 2yr Fixed · 80–95% LVR 7.83 8.02 +0.19 1yr Fixed · 80–95% LVR 7.98 8.20 +0.22 4yr Fixed · ≤80% LVR 7.57 7.72 +0.15 4yr Fixed · 80–95% LVR 7.61 7.76 +0.15 5yr Fixed · 80–90% LVR 7.50 7.64 +0.14 - Premium Plus Package Fixed Rate Home Loan Principal and Interest 10 variants up 0.13 to 0.2213 days after the RBA rise to 4.60%+0.13 to +0.22All P&I · Owner-occupier
1yr Fixed · ≤80% LVR 7.98 8.20 +0.22 2yr Fixed · ≤80% LVR 7.84 8.03 +0.19 3yr Fixed · ≤80% LVR 7.71 7.88 +0.17 4yr Fixed · ≤80% LVR 7.63 7.78 +0.15 5yr Fixed · ≤80% LVR 7.54 7.67 +0.13 3yr Fixed · 80–95% LVR 7.74 7.91 +0.17 2yr Fixed · 80–95% LVR 7.86 8.05 +0.19 1yr Fixed · 80–95% LVR 7.99 8.21 +0.22 5yr Fixed · 80–95% LVR 7.58 7.71 +0.13 4yr Fixed · 80–95% LVR 7.67 7.82 +0.15
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare home loans · Home loan report
Notes on Newcastle Permanent home loans
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As of 1 November 2026, Newcastle Permanent has four home loan products in 104 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.23% (Real Deal Home Loan), ranking 8th of 93 variable owner-occupier P&I loans and sitting 0.35 points below the market average of 6.58%. Its rates last moved on 13 October 2026, 13 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.