Lender profile · Home loans
LiveNewcastle Permanent home loans
Newcastle Permanent also offers savings accounts, credit cards, term deposits and personal loans · Provider overview →
As of 18 September 2026, Newcastle Permanent has 17 home loan products in 96 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 5.98% (Real Deal Home Loan Principal and Interest), ranking 7th of 107 variable owner-occupier P&I loans and sitting 0.78 points below the market average of 6.76%. Its rates last moved on 16 September 2026.
- Lowest comparison rate
- 5.98%
- Real Deal Home Loan Principal and Interest
- Market rank
- #7
- of 107 variable owner-occupier P&I loans
- Products
- 17
- 96 variants
- Last change
- 16 Sept 2026
- 2 changes on record
Rates over time
Comparison rate of each product's headline variant- RBA cash rate
- Market average
- Real Deal Home Loan Principal and Interest
- Real Deal Home Loan Interest Only
- Real Deal Home Loan Investment Principal and Interest
- Real Deal Home Loan Investment Interest Only
- Fixed Rate Home Loan Principal and Interest
- Bridging Loan
- Premium Plus Package Fixed Rate Home Loan Principal and Interest
- Fixed Rate Home Loan Interest Only
- Fixed Rate Home Loan Investment Principal and Interest
- Premium Plus Package Fixed Rate Home Loan Interest Only
- Fixed Rate Home Loan Investment Interest Only
- Premium Plus Package Fixed Rate Home Loan Investment Principal and Interest
- Premium Plus Package Fixed Rate Home Loan Investment Interest Only
- Premium Plus Package Variable Home Loan Principal and Interest
- Premium Plus Package Variable Home Loan Interest Only
- Premium Plus Package Variable Home Loan Investment Principal and Interest
- Premium Plus Package Variable Home Loan Investment Interest Only
What changed
2 changes since 12 Sept 2026- Real Deal Home Loan Principal and Interest · variable owner-occupier P&I 6.03 → 5.98−0.05
- Real Deal Home Loan Interest Only · variable owner-occupier interest-only 6.11 → 6.08−0.03
Home loans
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · 8
Variable · P&I · Owner-occupier · ≤80% LVR · offset account · redraw · no ongoing fee · 3 variants
5.98%#7 of 107comparison · 5.94% advertised
- Application fee
- $595
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Owner-occupier · ≤80% LVR · offset account · redraw · no ongoing fee · 3 variants
6.08%#3 of 68comparison · 6.19% advertised
- Application fee
- $595
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤80% LVR · offset account · redraw · no ongoing fee · 2 variants
6.23%#3 of 81comparison · 6.19% advertised
- Application fee
- $595
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · ≤80% LVR · offset account · redraw · no ongoing fee · 3 variants
6.34%#4 of 80comparison · 6.44% advertised
- Application fee
- $595
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw · no ongoing fee
8.14%#94 of 107comparison · 7.82% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Package annual fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Owner-occupier · offset account · redraw · no ongoing fee
8.34%#49 of 68comparison · 8.31% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Package annual fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · offset account · redraw · no ongoing fee
8.47%#71 of 81comparison · 8.16% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Package annual fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · offset account · redraw · no ongoing fee
8.66%#64 of 80comparison · 8.61% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Package annual fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Fixed · 9
5yr Fixed · P&I · Owner-occupier · ≤80% LVR · no ongoing fee · 10 variants
1y 7.96%2y 7.79%3y 7.66%4y 7.57%5y 7.46%7.46%#38 of 49comparison · 6.59% advertised
- Application fee
- $595
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
1yr Fixed · P&I or IO · Owner-occupier · redraw · no ongoing fee
7.53%#1 of 1comparison · 7.49% advertised
- Application fee
- $595
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
5yr Fixed · P&I · Owner-occupier · ≤80% LVR · redraw · no ongoing fee · 10 variants
1y 7.97%2y 7.82%3y 7.71%4y 7.63%5y 7.54%7.54%#40 of 49comparison · 6.49% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR · no ongoing fee · 10 variants
7.65%#20 of 30comparison · 6.99% advertised
- Application fee
- $595
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
5yr Fixed · P&I · Investor · ≤80% LVR · no ongoing fee · 10 variants
7.69%#30 of 42comparison · 6.69% advertised
- Application fee
- $595
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR · redraw · no ongoing fee · 10 variants
7.70%#20 of 30comparison · 6.89% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
5yr Fixed · Interest Only · Investor · ≤80% LVR · no ongoing fee · 10 variants
7.75%#30 of 42comparison · 6.79% advertised
- Application fee
- $595
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
5yr Fixed · P&I · Investor · ≤80% LVR · redraw · no ongoing fee · 10 variants
7.76%#32 of 42comparison · 6.59% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
5yr Fixed · Interest Only · Investor · ≤80% LVR · redraw · no ongoing fee · 10 variants
7.80%#32 of 42comparison · 6.69% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Package annual fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
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