Newcastle Permanent Premium Plus Package Fixed Rate

Last updated:  

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.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Expert review

Adam Smith

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.

Home Loan Offers

Important Information*
Logo for Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)
Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)

Up to $3,000 refinance cashback. A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.

Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Up to $4,000 refinance cashback. With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get up $4,000 cashback and borrow up to 90% of the property's value. (Terms, conditions & exclusions apply).

Logo for Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I
Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I

A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.

Logo for Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)

Get a competitive variable interest rate with no application fee or ongoing fees.

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site