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Newcastle Permanent

As of 18 September 2026, Newcastle Permanent has 23 products across five of the 8 pillars BankMate tracks: 2 savings accounts, 1 credit card, 17 home loans, 1 term deposit and 2 personal loans. Its highest-placed product is Smart Saver Account (under 25) at 5.75% p.a., 3rd of 94 savings accounts. Its rates last moved on 16 September 2026.

Savings accounts· 2Credit cards· 1Home loans· 17Term deposits· 1Personal loans· 2
Pillars
5 of 8
No superannuation, share trading, crypto exchange
Products tracked
23
2 savings accounts · 1 credit card · 17 home loans
Highest placed
#3
Smart Saver Account (under 25) · of 94 savings accounts
Last change
16 Sept 2026
22 changes on record

What changed

22 changes across 3 pillars since 1 Mar 2026
  1. Term depositsTerm Deposit · 6 terms moved in both directions
    mixed
  2. Home loansReal Deal Home Loan Principal and Interest · variable owner-occupier P&I 6.03 → 5.98
    −0.05
  3. Home loansReal Deal Home Loan Interest Only · variable owner-occupier interest-only 6.11 → 6.08
    −0.03
  4. Term depositsTerm Deposit · 2 terms cut 0.10
    −0.10
  5. Term depositsTerm Deposit · 6 terms moved in both directions
    mixed
  6. Term depositsTerm Deposit · 6 terms moved in both directions
    mixed
Show 16 earlier changes
  1. Term depositsTerm Deposit · 6 terms up 0.10
    +0.10
  2. Term depositsTerm Deposit · 2 terms cut 0.10
    −0.10
  3. Term depositsTerm Deposit · 4 terms moved in both directions
    mixed
  4. Term depositsTerm Deposit · 6 terms moved in both directions
    mixed
  5. Term depositsTerm Deposit · 2 terms cut 0.10
    −0.10
  6. Term depositsTerm Deposit · 6-month 4.90 → 5.00
    +0.10
  7. Term depositsTerm Deposit · 4 terms cut 0.10
    −0.10
  8. Term depositsTerm Deposit · 2 terms cut 0.10
    −0.10
  9. Term depositsTerm Deposit · 8 terms up 0.10
    +0.10
  10. Term depositsTerm Deposit · 6 terms cut 0.10
    −0.10
  11. Term depositsTerm Deposit · 14 terms up 0.10 to 0.2519 days after the RBA rise to 4.35%
    mixed
  12. Savings accounts2 accounts up 0.259 days after the RBA rise to 4.35%
    +0.25
  13. Term depositsTerm Deposit · 5 terms moved in both directions
    mixed
  14. Term depositsTerm Deposit · 4 terms up 0.10
    +0.10
  15. Savings accountsSmart Saver Account (under 25) 5.25 → 5.50Bonus rate 5.20% → 5.45% · 9 days after the RBA rise to 4.10%
    +0.25
  16. Savings accountsSmart Saver Account (under 25) 4.00 → 5.25Bonus rate 3.95% → 5.20% · 41 days after the RBA rise to 3.85%
    +1.25

Savings accounts · 2

Total rate, conditions met · ranked among 94 accounts

Full savings accounts record for Newcastle Permanent →

Total rate is base plus bonus, assuming every monthly condition is met. Full savings history for Newcastle Permanent · Compare all savings accounts

Credit cards · 1

Ranked by bonus net of first-year fee · of 51 bonus cards

Full credit cards record for Newcastle Permanent →

Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare all credit cards · Card report

Home loans · 17

Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate

Variable · 8

Show 3 more

Fixed · 9

Show 4 more

Full home loans record for Newcastle Permanent →

Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report

Term deposits · 1

Best rate per product, by term · ranked within each term
  • Term Deposit

    interest at maturity or quarterly or monthly or annually · from $1,000 · 14 terms

    3 mo 4.50%6 mo 5.00%9 mo 3.60%1 yr 5.25%2 yr 4.15%3 yr 3.65%5 yr 3.45%4 yr 3.55%
    5.25%#45 of 590

Full term deposits record for Newcastle Permanent →

Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits

Personal loans · 2

Comparison rate · ranked within unsecured or secured loans

Unsecured · 1

  • Unsecured Personal loan

    Unsecured · fixed · any purpose · $250 application

    9.35%#109 of 212

Secured · 1

  • Secured Personal Loan & Car Loan

    Secured · fixed · car loan · $250 application

    6.84%#8 of 48

Full personal loans record for Newcastle Permanent →

Lenders publish the lowest rate in their range; the rate offered depends on the applicant. Compare all personal loans · Personal loan report

Newcastle Permanent has no superannuation, share trading or crypto exchange that BankMate tracks. It is not part of a larger group on our register.

Notes on Newcastle Permanent

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