Home loan · Variable
Real Deal Home Loan
6.23%comparison rate p.a. · 6.19% advertised
Variable · P&I · Owner-occupier · ≤80% LVR
11th 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
- $595
- Ongoing fee
- None
- Discharge fee
- $250
- Variable · P&I · Owner-occupier · ≤95% LVR
- 8.40% comparison · 8.35% advertised
- Variable · P&I · Owner-occupier · ≤80% LVR
- 6.23% comparison · 6.19% advertised
- Variable · P&I · Owner-occupier · 80–95% LVR
- 7.03% comparison · 6.99% advertised
- Variable · Interest Only · Owner-occupier · ≤80% LVR
- 6.34% comparison · 6.44% advertised
- Variable · Interest Only · Owner-occupier · ≤90% LVR
- 8.62% comparison · 8.84% advertised
- Variable · Interest Only · Owner-occupier · 80–90% LVR
- 7.19% comparison · 7.34% advertised
- Variable · P&I · Investor · ≤95% LVR
- 8.74% comparison · 8.69% advertised
- Variable · P&I · Investor · ≤80% LVR
- 6.48% comparison · 6.44% advertised
- Variable · P&I · Investor · 80–95% LVR
- 7.13% comparison · 7.09% advertised
- Variable · Interest Only · Investor · ≤90% LVR
- 8.95% comparison · 9.14% advertised
- Variable · Interest Only · Investor · ≤80% LVR
- 6.59% comparison · 6.69% advertised
- Variable · Interest Only · Investor · 80–90% LVR
- 7.26% comparison · 7.39% advertised
- Application fee
- $595
- Ongoing fee
- None
- Discharge fee
- $250
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $150,000
- Real Deal Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
- Real Deal Home Loan Interest Only3 variants up 0.25 to 0.269 days after the RBA rise to 4.60%+0.25 to +0.26All Variable · Interest Only · Owner-occupier
≤80% LVR 6.08 6.34 +0.26 ≤90% LVR 8.37 8.62 +0.25 80–90% LVR 6.93 7.19 +0.26 - Real Deal Home Loan Investment Principal and Interest3 variants up 0.259 days after the RBA rise to 4.60%+0.25All Variable · P&I · Investor
≤95% LVR 8.49 8.74 +0.25 ≤80% LVR 6.23 6.48 +0.25 80–95% LVR 6.88 7.13 +0.25 - Real Deal Home Loan Investment Interest Only 3 variants up 0.25 to 0.269 days after the RBA rise to 4.60%+0.25 to +0.26All Variable · Interest Only · Investor
≤90% LVR 8.69 8.95 +0.26 ≤80% LVR 6.34 6.59 +0.25 80–90% LVR 7.01 7.26 +0.25 - Real Deal Home Loan Principal and Interest3 variants up 0.259 days after the RBA rise to 4.60%+0.25All Variable · P&I · Owner-occupier
≤95% LVR 8.15 8.40 +0.25 ≤80% LVR 5.98 6.23 +0.25 80–95% LVR 6.78 7.03 +0.25 - Real Deal Home Loan Principal and Interestvariable owner-occupier P&I 6.03 → 5.98−0.05
- Real Deal Home Loan Interest Onlyvariable owner-occupier interest-only 6.11 → 6.08−0.03
Tracked since 12 September 2026. Our own corrections of a misread figure aren't shown.
One of our best rates, includes redraw and allows additional repayments.
Also from Newcastle Permanent: Premium Plus Package Variable Home Loan 6.73% · Fixed Rate Home Loan 7.59% · Premium Plus Package Fixed Rate Home Loan 7.67%
As of 15 October 2026, the Newcastle Permanent Real Deal Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.23% (6.19% advertised), ranking 11th of 91 variable owner-occupier P&I loans and sitting 0.31 points below 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.