Home loan · Variable
Premium Plus Package Variable Home Loan
6.73%comparison rate p.a. · 6.39% advertised · With the Premium Plus Home Loan Package · $395 a year
Variable · P&I · Owner-occupier · ≤80% LVR
74th of 91 variable owner-occupier P&I loans
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
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Variable · P&I · Owner-occupier · ≤80% LVR
- 6.73% comparison · 6.39% advertised
- Variable · P&I · Owner-occupier · ≤95% LVR
- 8.38% comparison · 8.07% advertised
- Variable · P&I · Owner-occupier · 80–95% LVR
- 7.67% comparison · 7.35% advertised
- Variable · Interest Only · Owner-occupier · ≤80% LVR
- 6.92% comparison · 6.90% advertised
- Variable · Interest Only · Owner-occupier · ≤90% LVR
- 8.59% comparison · 8.56% advertised
- Variable · Interest Only · Owner-occupier · 80–90% LVR
- 7.90% comparison · 7.89% advertised
- Variable · P&I · Investor · ≤95% LVR
- 8.72% comparison · 8.41% advertised
- Variable · P&I · Investor · ≤80% LVR
- 6.92% comparison · 6.59% advertised
- Variable · P&I · Investor · 80–95% LVR
- 7.91% comparison · 7.59% advertised
- Variable · Interest Only · Investor · ≤80% LVR
- 7.00% comparison · 6.83% advertised
- Variable · Interest Only · Investor · ≤90% LVR
- 8.91% comparison · 8.86% advertised
- Variable · Interest Only · Investor · 80–90% LVR
- 7.93% comparison · 7.69% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Package (Premium Plus Home Loan Package)
- $395 a year
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $150,000
- Premium Plus Package Variable Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
- Premium Plus Package Variable Home Loan Investment Interest Only3 variants up 0.24 to 0.259 days after the RBA rise to 4.60%+0.24 to +0.25All Variable · Interest Only · Investor
≤80% LVR 6.76 7.00 +0.24 ≤90% LVR 8.66 8.91 +0.25 80–90% LVR 7.69 7.93 +0.24 - Premium Plus Package Variable Home Loan Principal and Interest 3 variants up 0.24 to 0.259 days after the RBA rise to 4.60%+0.24 to +0.25All Variable · P&I · Owner-occupier
≤80% LVR 6.48 6.73 +0.25 ≤95% LVR 8.14 8.38 +0.24 80–95% LVR 7.43 7.67 +0.24 - Premium Plus Package Variable Home Loan Investment Principal and Interest3 variants up 0.24 to 0.259 days after the RBA rise to 4.60%+0.24 to +0.25All Variable · P&I · Investor
≤95% LVR 8.47 8.72 +0.25 ≤80% LVR 6.68 6.92 +0.24 80–95% LVR 7.66 7.91 +0.25 - Premium Plus Package Variable Home Loan Interest Only3 variants up 0.259 days after the RBA rise to 4.60%+0.25All Variable · Interest Only · Owner-occupier
≤80% LVR 6.67 6.92 +0.25 ≤90% LVR 8.34 8.59 +0.25 80–90% LVR 7.65 7.90 +0.25
Tracked since 12 September 2026. Our own corrections of a misread figure aren't shown.
A variable rate package home loan with fee free redraw and a 100% offset account.
Also from Newcastle Permanent: Real Deal Home Loan 6.23% · Fixed Rate Home Loan 7.59% · Premium Plus Package Fixed Rate Home Loan 7.67%
As of 15 October 2026, the Newcastle Permanent Premium Plus Package Variable Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.73% (6.39% advertised), ranking 74th of 91 variable owner-occupier P&I loans and sitting 0.19 points above the market average of 6.54%. The product comes in 12 variants; the others are investor, interest-only and other LVR bands. Its rate last moved on 9 October 2026, 9 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.