Fixed Rate Home Loan Principal and Interest

As of 18 September 2026, the Newcastle Permanent Fixed Rate Home Loan Principal and Interest's 5-year fixed owner-occupier P&I variant has a comparison rate of 7.46% (6.59% advertised), ranking 38th of 49 5-year fixed owner-occupier P&I loans. The product comes in 10 variants; the others are other fixed terms and other LVR bands.

7.46%comparison rate p.a.

6.59% advertised · 5yr Fixed · P&I · Owner-occupier · ≤80% LVR

9 other variants: other fixed terms and other LVR bands below.

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Rate over time

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

Fixed Rate Home Loan Principal and Interest · 5yr Fixed · P&I · Owner-occupier
RBA cash rate

Changes

No changes recorded for this product since tracking began on 12 September 2026.

Rates by variant

Comparison rate · advertised rate

1yr Fixed · P&I · Owner-occupier · ≤80% LVR: 7.96% comparison · 6.39% advertised
1yr Fixed · P&I · Owner-occupier · 80–95% LVR: 7.97% comparison · 6.49% advertised
2yr Fixed · P&I · Owner-occupier · ≤80% LVR: 7.79% comparison · 6.39% advertised
2yr Fixed · P&I · Owner-occupier · 80–95% LVR: 7.81% comparison · 6.49% advertised
3yr Fixed · P&I · Owner-occupier · ≤80% LVR: 7.66% comparison · 6.49% advertised
3yr Fixed · P&I · Owner-occupier · 80–95% LVR: 7.69% comparison · 6.59% advertised
4yr Fixed · P&I · Owner-occupier · ≤80% LVR: 7.57% comparison · 6.59% advertised
4yr Fixed · P&I · Owner-occupier · 80–95% LVR: 7.61% comparison · 6.69% advertised
5yr Fixed · P&I · Owner-occupier · ≤80% LVR: 7.46% comparison · 6.59% advertised
5yr Fixed · P&I · Owner-occupier · 80–90% LVR: 7.50% comparison · 6.69% advertised

Fees

Headline variant

Application fee: $595
Ongoing fee: None
Discharge fee: $250

Features

Headline variant

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

Eligibility

Minimum loan: $5,000

About this product

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

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