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Home loan · 5yr Fixed

Premium Plus Package Fixed Rate Home Loan

Rate
Loan for
Repayments
Deposit

7.67%comparison rate p.a. · 6.49% advertised · With the Premium Plus Home Loan Package · $395 a year

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

44th 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
Yes
Extra repayments
Yes
Application fee
None
Ongoing fee
None
Discharge fee
$250
Compare all 311 home loans

1yr Fixed · P&I · Owner-occupier · ≤80% LVR
8.20% comparison · 6.39% advertised
1yr Fixed · P&I · Owner-occupier · 80–95% LVR
8.21% comparison · 6.49% advertised
1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
8.24% comparison · 6.79% advertised
1yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
8.26% comparison · 6.99% advertised
1yr Fixed · P&I · Investor · ≤80% LVR
8.50% comparison · 6.49% advertised
1yr Fixed · P&I · Investor · 80–95% LVR
8.51% comparison · 6.59% advertised
1yr Fixed · Interest Only · Investor · ≤80% LVR
8.51% comparison · 6.59% advertised
1yr Fixed · Interest Only · Investor · 80–90% LVR
8.52% comparison · 6.69% advertised
2yr Fixed · P&I · Owner-occupier · ≤80% LVR
8.03% comparison · 6.39% advertised
2yr Fixed · P&I · Owner-occupier · 80–95% LVR
8.05% comparison · 6.49% advertised
2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
8.11% comparison · 6.79% advertised
2yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
8.15% comparison · 6.99% advertised
2yr Fixed · P&I · Investor · ≤80% LVR
8.31% comparison · 6.49% advertised
2yr Fixed · P&I · Investor · 80–95% LVR
8.33% comparison · 6.59% advertised
2yr Fixed · Interest Only · Investor · ≤80% LVR
8.33% comparison · 6.59% advertised
2yr Fixed · Interest Only · Investor · 80–90% LVR
8.35% comparison · 6.69% advertised
3yr Fixed · P&I · Owner-occupier · ≤80% LVR
7.88% comparison · 6.39% advertised
3yr Fixed · P&I · Owner-occupier · 80–95% LVR
7.91% comparison · 6.49% advertised
3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
7.99% comparison · 6.79% advertised
3yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
8.05% comparison · 6.99% advertised
3yr Fixed · P&I · Investor · ≤80% LVR
8.14% comparison · 6.49% advertised
3yr Fixed · P&I · Investor · 80–95% LVR
8.17% comparison · 6.59% advertised
3yr Fixed · Interest Only · Investor · ≤80% LVR
8.17% comparison · 6.59% advertised
3yr Fixed · Interest Only · Investor · 80–90% LVR
8.19% comparison · 6.69% advertised
4yr Fixed · P&I · Owner-occupier · ≤80% LVR
7.78% comparison · 6.49% advertised
4yr Fixed · P&I · Owner-occupier · 80–95% LVR
7.82% comparison · 6.59% advertised
4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
7.93% comparison · 6.89% advertised
4yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
8.00% comparison · 7.09% advertised
4yr Fixed · P&I · Investor · ≤80% LVR
8.02% comparison · 6.59% advertised
4yr Fixed · P&I · Investor · 80–95% LVR
8.06% comparison · 6.69% advertised
4yr Fixed · Interest Only · Investor · ≤80% LVR
8.06% comparison · 6.69% advertised
4yr Fixed · Interest Only · Investor · 80–90% LVR
8.09% comparison · 6.79% advertised
5yr Fixed · P&I · Owner-occupier · ≤80% LVR
7.67% comparison · 6.49% advertised
5yr Fixed · P&I · Owner-occupier · 80–95% LVR
7.71% comparison · 6.59% advertised
5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
7.84% comparison · 6.89% advertised
5yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
7.93% comparison · 7.09% advertised
5yr Fixed · P&I · Investor · ≤80% LVR
7.89% comparison · 6.59% advertised
5yr Fixed · P&I · Investor · 80–95% LVR
7.93% comparison · 6.69% advertised
5yr Fixed · Interest Only · Investor · ≤80% LVR
7.93% comparison · 6.69% advertised
5yr Fixed · Interest Only · Investor · 80–90% LVR
7.98% comparison · 6.79% advertised

Application fee
None
Ongoing fee
None
Discharge fee
$250
Package (Premium Plus Home Loan Package)
$395 a year
Redraw fee
None

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

Minimum loan
$5,000

  • Premium Plus Package Fixed Rate Home Loan · 5yr Fixed · P&I · Owner-occupier
  • RBA cash rate
4.005.006.007.008.00AugSepToday7.67% p.a. today
  1. Premium Plus Package Fixed Rate Home Loan Interest Only10 variants up 0.14 to 0.2213 days after the RBA rise to 4.60%
    All Interest Only · Owner-occupier
    1yr Fixed · ≤80% LVR8.028.24+0.22
    1yr Fixed · 80–90% LVR8.048.26+0.22
    2yr Fixed · ≤80% LVR7.918.11+0.20
    2yr Fixed · 80–90% LVR7.968.15+0.19
    3yr Fixed · ≤80% LVR7.827.99+0.17
    3yr Fixed · 80–90% LVR7.888.05+0.17
    4yr Fixed · ≤80% LVR7.777.93+0.16
    4yr Fixed · 80–90% LVR7.858.00+0.15
    5yr Fixed · ≤80% LVR7.707.84+0.14
    5yr Fixed · 80–90% LVR7.797.93+0.14
    +0.14 to +0.22
  2. 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%
    All Interest Only · Investor
    1yr Fixed · ≤80% LVR8.298.51+0.22
    1yr Fixed · 80–90% LVR8.308.52+0.22
    2yr Fixed · ≤80% LVR8.148.33+0.19
    2yr Fixed · 80–90% LVR8.168.35+0.19
    3yr Fixed · ≤80% LVR8.008.17+0.17
    3yr Fixed · 80–90% LVR8.028.19+0.17
    4yr Fixed · ≤80% LVR7.918.06+0.15
    4yr Fixed · 80–90% LVR7.948.09+0.15
    5yr Fixed · ≤80% LVR7.807.93+0.13
    5yr Fixed · 80–90% LVR7.847.98+0.14
    +0.13 to +0.22
  3. 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%
    All P&I · Investor
    1yr Fixed · ≤80% LVR8.298.50+0.21
    1yr Fixed · 80–95% LVR8.308.51+0.21
    2yr Fixed · ≤80% LVR8.128.31+0.19
    2yr Fixed · 80–95% LVR8.148.33+0.19
    3yr Fixed · ≤80% LVR7.978.14+0.17
    3yr Fixed · 80–95% LVR8.008.17+0.17
    4yr Fixed · ≤80% LVR7.878.02+0.15
    4yr Fixed · 80–95% LVR7.918.06+0.15
    5yr Fixed · ≤80% LVR7.767.89+0.13
    5yr Fixed · 80–95% LVR7.807.93+0.13
    +0.13 to +0.21
  4. 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%
    All P&I · Owner-occupier
    1yr Fixed · ≤80% LVR7.988.20+0.22
    1yr Fixed · 80–95% LVR7.998.21+0.22
    2yr Fixed · ≤80% LVR7.848.03+0.19
    2yr Fixed · 80–95% LVR7.868.05+0.19
    3yr Fixed · ≤80% LVR7.717.88+0.17
    3yr Fixed · 80–95% LVR7.747.91+0.17
    4yr Fixed · ≤80% LVR7.637.78+0.15
    4yr Fixed · 80–95% LVR7.677.82+0.15
    5yr Fixed · ≤80% LVR7.547.67+0.13
    5yr Fixed · 80–95% LVR7.587.71+0.13
    +0.13 to +0.22
  5. Premium Plus Package Fixed Rate Home Loan Investment Principal and Interest 4 variants up 0.01 to 0.02
    All P&I · Investor
    1yr Fixed · ≤80% LVR8.278.29+0.02
    1yr Fixed · 80–95% LVR8.298.30+0.01
    2yr Fixed · ≤80% LVR8.108.12+0.02
    2yr Fixed · 80–95% LVR8.128.14+0.02
    +0.01 to +0.02
  6. Premium Plus Package Fixed Rate Home Loan Investment Interest Only4 variants up 0.01 to 0.03
    All Interest Only · Investor
    1yr Fixed · ≤80% LVR8.288.29+0.01
    1yr Fixed · 80–90% LVR8.298.30+0.01
    2yr Fixed · ≤80% LVR8.118.14+0.03
    2yr Fixed · 80–90% LVR8.148.16+0.02
    +0.01 to +0.03
  1. Premium Plus Package Fixed Rate Home Loan Principal and Interest 4 variants up 0.01 to 0.02
    All P&I · Owner-occupier
    1yr Fixed · ≤80% LVR7.977.98+0.01
    1yr Fixed · 80–95% LVR7.987.99+0.01
    2yr Fixed · ≤80% LVR7.827.84+0.02
    2yr Fixed · 80–95% LVR7.847.86+0.02
    +0.01 to +0.02
  2. Premium Plus Package Fixed Rate Home Loan Interest Only4 variants up 0.01 to 0.03
    All Interest Only · Owner-occupier
    1yr Fixed · ≤80% LVR8.018.02+0.01
    1yr Fixed · 80–90% LVR8.038.04+0.01
    2yr Fixed · ≤80% LVR7.897.91+0.02
    2yr Fixed · 80–90% LVR7.937.96+0.03
    +0.01 to +0.03

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

A fixed rate package home loan with many additional perks like redraw and discounts on other products.

Also from Newcastle Permanent: Real Deal Home Loan 6.23% · Premium Plus Package Variable Home Loan 6.73% · Fixed Rate Home Loan 7.59%

As of 15 October 2026, the Newcastle Permanent Premium Plus Package Fixed Rate Home Loan's 5-year fixed owner-occupier P&I variant has a comparison rate of 7.67% (6.49% advertised), ranking 44th 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.