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Newcastle Permanent Premium Plus Package Fixed Rate

The Newcastle Permanent Premium Plus Package Fixed Rate offers discounted fixed rates and a host of savings on other banking products.

The Newcastle Permanent Premium Plus Package Fixed Rate is a package home loan that offers a discount off the lender's fixed rate in exchange for an annual package fee. You'll also get discounts on a range of other banking products, from car and personal loan fees to insurance products.

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Adam Smith
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Review by

Adam Smith was the home loans editor at Finder.

Expert review

The Newcastle Permanent Premium Plus Package Fixed Rate is available to owner-occupiers. It offers fixed-rate terms of 1, 2, 3, 4, 5, 7 and 10 years as well as discounts on rates, fees and finance products. It comes with an annual package fee of $395.

About this loan

What are the features and benefits of the Newcastle Permanent Premium Plus Package Fixed Rate?

  • Loan amount and loan-to-value ratio (LVR). The Newcastle Permanent Premium Plus Package Fixed Rate has no minimum loan amount and carries a maximum loan-to-value ratio (LVR) of 95%. However, you'll have to pay for lenders mortgage insurance (LMI) if you borrow more than 80%.
  • Repayment flexibility. The Newcastle Permanent Premium Plus Package Fixed Rate allows up to $25,000 of additional repayments per year. The loan also allows weekly, fortnightly or monthly repayments.
  • Redraw facility. This loan also includes a redraw facility to allow you to access any additional repayments you've made.
  • No application or monthly fees. While the Newcastle Permanent Premium Plus Package Fixed Rate does not have any application or monthly fees, it does come with a $395 annual package fee.
  • Savings on other products. This loan offers fee waivers and discounts on a range of other products. You won't have to pay any application fees on car or personal loans, and you'll have the annual fees waived on eligible credit cards. In addition to this, the Newcastle Permanent Premium Plus Package Fixed Rate loan also offers discounts on insurance products.

What fees and charges come with this loan?

  • Annual fee. $395. This single annual fee offers you fee waivers and interest-rate discounts on both your home loan and other banking and insurance products.

How to apply

If the Newcastle Permanent Premium Plus Package Fixed Rate sounds like it meets your home-loan needs, click the button below to be taken to Newcastle Permanent's website where you'll be guided through the application process.

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