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Home loan · 5yr Fixed

Fixed Rate Home Loan

Rate
Loan for
Repayments
Deposit

7.59%comparison rate p.a. · 6.59% advertised

5yr Fixed · P&I · Owner-occupier · ≤80% LVR

42nd of 47 5-year fixed owner-occupier P&I loans

Go to Newcastle Permanent

The same choices at every rate type

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.

Offset account
No
Redraw
No
Extra repayments
Yes
Application fee
$595
Ongoing fee
None
Discharge fee
$250
Compare all 311 home loans

1yr Fixed · P&I · Owner-occupier · ≤80% LVR
8.19% comparison · 6.49% advertised
1yr Fixed · P&I · Owner-occupier · 80–95% LVR
8.20% comparison · 6.59% advertised
1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
8.23% comparison · 6.89% advertised
1yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
8.26% comparison · 7.09% advertised
1yr Fixed · P&I · Investor · ≤80% LVR
8.50% comparison · 6.59% advertised
1yr Fixed · P&I · Investor · 80–95% LVR
8.51% comparison · 6.69% advertised
1yr Fixed · Interest Only · Investor · ≤80% LVR
8.51% comparison · 6.69% advertised
1yr Fixed · Interest Only · Investor · 80–90% LVR
8.52% comparison · 6.79% advertised
2yr Fixed · P&I · Owner-occupier · ≤80% LVR
8.00% comparison · 6.49% advertised
2yr Fixed · P&I · Owner-occupier · 80–95% LVR
8.02% comparison · 6.59% advertised
2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
8.09% comparison · 6.89% advertised
2yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
8.13% comparison · 7.09% advertised
2yr Fixed · P&I · Investor · ≤80% LVR
8.29% comparison · 6.59% advertised
2yr Fixed · P&I · Investor · 80–95% LVR
8.31% comparison · 6.69% advertised
2yr Fixed · Interest Only · Investor · ≤80% LVR
8.31% comparison · 6.69% advertised
2yr Fixed · Interest Only · Investor · 80–90% LVR
8.33% comparison · 6.79% advertised
3yr Fixed · P&I · Owner-occupier · ≤80% LVR
7.83% comparison · 6.49% advertised
3yr Fixed · P&I · Owner-occupier · 80–95% LVR
7.86% comparison · 6.59% advertised
3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
7.96% comparison · 6.89% advertised
3yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
8.02% comparison · 7.09% advertised
3yr Fixed · P&I · Investor · ≤80% LVR
8.10% comparison · 6.59% advertised
3yr Fixed · P&I · Investor · 80–95% LVR
8.13% comparison · 6.69% advertised
3yr Fixed · Interest Only · Investor · ≤80% LVR
8.14% comparison · 6.69% advertised
3yr Fixed · Interest Only · Investor · 80–90% LVR
8.17% comparison · 6.79% advertised
4yr Fixed · P&I · Owner-occupier · ≤80% LVR
7.72% comparison · 6.59% advertised
4yr Fixed · P&I · Owner-occupier · 80–95% LVR
7.76% comparison · 6.69% advertised
4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
7.88% comparison · 6.99% advertised
4yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
7.96% comparison · 7.19% advertised
4yr Fixed · P&I · Investor · ≤80% LVR
7.96% comparison · 6.69% advertised
4yr Fixed · P&I · Investor · 80–95% LVR
8.00% comparison · 6.79% advertised
4yr Fixed · Interest Only · Investor · ≤80% LVR
8.02% comparison · 6.79% advertised
4yr Fixed · Interest Only · Investor · 80–90% LVR
8.05% comparison · 6.89% advertised
5yr Fixed · P&I · Owner-occupier · ≤80% LVR
7.59% comparison · 6.59% advertised
5yr Fixed · P&I · Owner-occupier · 80–90% LVR
7.64% comparison · 6.69% advertised
5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
7.79% comparison · 6.99% advertised
5yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
7.87% comparison · 7.19% advertised
5yr Fixed · P&I · Investor · ≤80% LVR
7.82% comparison · 6.69% advertised
5yr Fixed · P&I · Investor · 80–95% LVR
7.86% comparison · 6.79% advertised
5yr Fixed · Interest Only · Investor · ≤80% LVR
7.88% comparison · 6.79% advertised
5yr Fixed · Interest Only · Investor · 80–90% LVR
7.93% comparison · 6.89% advertised

Application fee
$595
Ongoing fee
None
Discharge fee
$250

Offset account
No
Redraw
No
Extra repayments
Yes
Portable
No
Repayment holiday
No

Minimum loan
$5,000

  • Fixed Rate Home Loan · 5yr Fixed · P&I · Owner-occupier
  • RBA cash rate
4.005.006.007.008.00AugSepToday7.59% p.a. today
  1. Fixed Rate Home Loan Investment Interest Only 10 variants up 0.13 to 0.2213 days after the RBA rise to 4.60%
    All Interest Only · Investor
    1yr Fixed · ≤80% LVR8.298.51+0.22
    1yr Fixed · 80–90% LVR8.308.52+0.22
    2yr Fixed · ≤80% LVR8.128.31+0.19
    2yr Fixed · 80–90% LVR8.148.33+0.19
    3yr Fixed · ≤80% LVR7.968.14+0.18
    3yr Fixed · 80–90% LVR7.998.17+0.18
    4yr Fixed · ≤80% LVR7.868.02+0.16
    4yr Fixed · 80–90% LVR7.908.05+0.15
    5yr Fixed · ≤80% LVR7.757.88+0.13
    5yr Fixed · 80–90% LVR7.797.93+0.14
    +0.13 to +0.22
  2. Fixed Rate Home Loan Investment Principal and Interest10 variants up 0.13 to 0.2213 days after the RBA rise to 4.60%
    All P&I · Investor
    1yr Fixed · ≤80% LVR8.288.50+0.22
    1yr Fixed · 80–95% LVR8.298.51+0.22
    2yr Fixed · ≤80% LVR8.098.29+0.20
    2yr Fixed · 80–95% LVR8.118.31+0.20
    3yr Fixed · ≤80% LVR7.938.10+0.17
    3yr Fixed · 80–95% LVR7.968.13+0.17
    4yr Fixed · ≤80% LVR7.817.96+0.15
    4yr Fixed · 80–95% LVR7.858.00+0.15
    5yr Fixed · ≤80% LVR7.697.82+0.13
    5yr Fixed · 80–95% LVR7.737.86+0.13
    +0.13 to +0.22
  3. Fixed Rate Home Loan Interest Only10 variants up 0.13 to 0.2313 days after the RBA rise to 4.60%
    All Interest Only · Owner-occupier
    1yr Fixed · ≤80% LVR8.018.23+0.22
    1yr Fixed · 80–90% LVR8.038.26+0.23
    2yr Fixed · ≤80% LVR7.898.09+0.20
    2yr Fixed · 80–90% LVR7.938.13+0.20
    3yr Fixed · ≤80% LVR7.797.96+0.17
    3yr Fixed · 80–90% LVR7.848.02+0.18
    4yr Fixed · ≤80% LVR7.737.88+0.15
    4yr Fixed · 80–90% LVR7.807.96+0.16
    5yr Fixed · ≤80% LVR7.657.79+0.14
    5yr Fixed · 80–90% LVR7.747.87+0.13
    +0.13 to +0.23
  4. Fixed Rate Home Loan Principal and Interest10 variants up 0.13 to 0.2213 days after the RBA rise to 4.60%
    All P&I · Owner-occupier
    1yr Fixed · ≤80% LVR7.978.19+0.22
    1yr Fixed · 80–95% LVR7.988.20+0.22
    2yr Fixed · ≤80% LVR7.818.00+0.19
    2yr Fixed · 80–95% LVR7.838.02+0.19
    3yr Fixed · ≤80% LVR7.667.83+0.17
    3yr Fixed · 80–95% LVR7.697.86+0.17
    4yr Fixed · ≤80% LVR7.577.72+0.15
    4yr Fixed · 80–95% LVR7.617.76+0.15
    5yr Fixed · ≤80% LVR7.467.59+0.13
    5yr Fixed · 80–90% LVR7.507.64+0.14
    +0.13 to +0.22
  5. Fixed Rate Home Loan Principal and Interest4 variants up 0.01 to 0.02
    All P&I · Owner-occupier
    1yr Fixed · ≤80% LVR7.967.97+0.01
    1yr Fixed · 80–95% LVR7.977.98+0.01
    2yr Fixed · ≤80% LVR7.797.81+0.02
    2yr Fixed · 80–95% LVR7.817.83+0.02
    +0.01 to +0.02
  6. Fixed Rate Home Loan Interest Only4 variants up 0.01 to 0.02
    All Interest Only · Owner-occupier
    1yr Fixed · ≤80% LVR8.008.01+0.01
    1yr Fixed · 80–90% LVR8.028.03+0.01
    2yr Fixed · ≤80% LVR7.877.89+0.02
    2yr Fixed · 80–90% LVR7.917.93+0.02
    +0.01 to +0.02
  1. Fixed Rate Home Loan Investment Principal and Interest4 variants up 0.01 to 0.02
    All P&I · Investor
    1yr Fixed · ≤80% LVR8.278.28+0.01
    1yr Fixed · 80–95% LVR8.288.29+0.01
    2yr Fixed · ≤80% LVR8.078.09+0.02
    2yr Fixed · 80–95% LVR8.098.11+0.02
    +0.01 to +0.02
  2. Fixed Rate Home Loan Investment Interest Only 4 variants up 0.01 to 0.02
    All Interest Only · Investor
    1yr Fixed · ≤80% LVR8.288.29+0.01
    1yr Fixed · 80–90% LVR8.298.30+0.01
    2yr Fixed · ≤80% LVR8.108.12+0.02
    2yr Fixed · 80–90% LVR8.128.14+0.02
    +0.01 to +0.02

Tracked since 12 September 2026. Our own corrections of a misread figure aren't shown.

Lock in your repayments with a fixed rate, with options up to 5 years.

Also from Newcastle Permanent: Real Deal Home Loan 6.23% · Premium Plus Package Variable Home Loan 6.73% · Premium Plus Package Fixed Rate Home Loan 7.67%

As of 15 October 2026, the Newcastle Permanent Fixed Rate Home Loan's 5-year fixed owner-occupier P&I variant has a comparison rate of 7.59% (6.59% advertised), ranking 42nd of 47 5-year fixed owner-occupier P&I loans. The product comes in 40 variants; the others are investor, interest-only, other fixed terms and other LVR bands. Its rate 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.