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Newcastle Permanent · Home loan · Variable
LiveReal Deal Home Loan Principal and Interest
As of 18 September 2026, the Newcastle Permanent Real Deal Home Loan Principal and Interest's variable owner-occupier P&I variant has a comparison rate of 5.98% (5.94% advertised), ranking 7th of 107 variable owner-occupier P&I loans and sitting 0.78 points below the market average of 6.76%. The product comes in 3 variants; the others are other LVR bands. Its rate last moved on 16 September 2026.
5.98%comparison rate p.a.
5.94% advertised · Variable · P&I · Owner-occupier · ≤80% LVR
2 other variants: other LVR bands below.
Rate over time
Comparison rate · Variable · P&I · Owner-occupier · ≤80% LVR- Real Deal Home Loan Principal and Interest · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
1 change since 12 Sept 2026- Real Deal Home Loan Principal and Interest · variable owner-occupier P&I 6.03 → 5.98−0.05
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier · ≤95% LVR
- 8.15% comparison · 8.10% advertised
- Variable · P&I · Owner-occupier · ≤80% LVR
- 5.98% comparison · 5.94% advertised
- Variable · P&I · Owner-occupier · 80–95% LVR
- 6.78% comparison · 6.74% advertised
Fees
Headline variant- Application fee
- $595
- Ongoing fee
- None
- Discharge fee
- $250
- Redraw fee
- None
Features
Headline variant- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- Minimum loan
- $50,000
About this product
One of our best rates, includes redraw and allows additional repayments.