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Newcastle Permanent Premium Plus Package Fixed Rate

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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.

The Newcastle Permanent Premium Plus Package Home loan has a low variable rate and many additional features designed to help you save money when paying off your home loan. It offers discounts on interest rates, as well as on other banking and finance products, in exchange for an annual fee.

Refinance cashback offer

Borrowers switching to an eligible Newcastle Permanent home loan can receive a $2,000 cashback for a limited time. To qualify, you need to refinance a loan amount of $250,000 or more with an LVR of 80% or lower. This offer is available for customers refinancing owner-occupier and investor loans. The offer ends on 30 November and your loan must be funded by 31 January 2021.

Interest Rate Max Insured LVR Max LVR
7 Year Fixed Special (Owner Occupier, P&I)
3.99% p.a.
Comparison Rate
4.18% p.a.
95% 80%
10 Year Fixed Special (Owner Occupier, P&I)
3.99% p.a.
Comparison Rate
4.24% p.a.
95% 80%
1 Year Fixed Special (Owner Occupier, IO)
2.79% p.a.
Comparison Rate
3.88% p.a.
80% 80%
1 Year Fixed (Investor, P&I)
2.99% p.a.
Comparison Rate
4.21% p.a.
95% 80%
1 Year Fixed Special (Owner Occupier, P&I)
2.29% p.a.
Comparison Rate
3.84% p.a.
80% 80%
1 Year Fixed (Investor, IO)
2.99% p.a.
Comparison Rate
4.20% p.a.
95% 80%
1 Year Fixed Special (Investor, P&I)
2.69% p.a.
Comparison Rate
4.18% p.a.
80% 80%
1 Year Fixed Special (Investor, IO)
2.69% p.a.
Comparison Rate
4.17% p.a.
80% 80%
1 Year Fixed (Owner Occupier, P&I)
2.39% p.a.
Comparison Rate
3.85% p.a.
95% 80%
1 Year Fixed (Owner Occupier, IO)
2.89% p.a.
Comparison Rate
3.89% p.a.
95% 80%
2 Year Fixed (Owner Occupier, P&I)
2.44% p.a.
Comparison Rate
3.76% p.a.
95% 80%
2 Year Fixed Special (Owner Occupier, P&I)
2.18% p.a.
Comparison Rate
3.72% p.a.
80% 80%
2 Year Fixed Special (Investor, P&I)
2.69% p.a.
Comparison Rate
4.07% p.a.
80% 80%
2 Year Fixed Special (Investor, IO)
2.69% p.a.
Comparison Rate
4.06% p.a.
80% 80%
2 Year Fixed Special (Owner Occupier, IO)
2.68% p.a.
Comparison Rate
3.79% p.a.
80% 80%
2 Year Fixed (Owner Occupier, IO)
2.94% p.a.
Comparison Rate
3.83% p.a.
95% 80%
2 Year Fixed (Investor, P&I)
3.04% p.a.
Comparison Rate
4.14% p.a.
95% 80%
2 Year Fixed (Investor, IO)
3.04% p.a.
Comparison Rate
4.12% p.a.
95% 80%
3 Year Fixed (Investor, IO)
3.09% p.a.
Comparison Rate
4.06% p.a.
95% 80%
3 Year Fixed (Investor, P&I)
3.09% p.a.
Comparison Rate
4.08% p.a.
95% 80%
3 Year Fixed (Owner Occupier, IO)
2.99% p.a.
Comparison Rate
3.79% p.a.
95% 80%
3 Year Fixed (Owner Occupier, P&I)
2.49% p.a.
Comparison Rate
3.68% p.a.
95% 80%
3 Year Fixed Special (Owner Occupier, P&I)
2.39% p.a.
Comparison Rate
3.66% p.a.
80% 80%
3 Year Fixed Special (Owner Occupier, IO)
2.89% p.a.
Comparison Rate
3.76% p.a.
80% 80%
3 Year Fixed Special (Investor, P&I)
2.99% p.a.
Comparison Rate
4.05% p.a.
80% 80%
3 Year Fixed Special (Investor, IO)
2.99% p.a.
Comparison Rate
4.03% p.a.
80% 80%
4 Year Fixed Special (Investor, IO)
3.19% p.a.
Comparison Rate
4.03% p.a.
95% 80%
4 Year Fixed Special (Investor, P&I)
3.19% p.a.
Comparison Rate
4.05% p.a.
95% 80%
4 Year Fixed Special (Owner Occupier, IO)
3.5% p.a.
Comparison Rate
3.90% p.a.
80% 80%
4 Year Fixed Special (Owner Occupier, P&I)
3% p.a.
Comparison Rate
3.77% p.a.
80% 80%
4 Year Fixed (Investor, P&I)
3.29% p.a.
Comparison Rate
4.08% p.a.
95% 80%
4 Year Fixed (Investor, IO)
3.29% p.a.
Comparison Rate
4.06% p.a.
95% 80%
4 Year Fixed (Owner Occupier, P&I)
3.1% p.a.
Comparison Rate
3.80% p.a.
95% 80%
4 Year Fixed (Owner Occupier, IO)
3.6% p.a.
Comparison Rate
3.93% p.a.
95% 80%
5 Year Fixed Special (Owner Occupier, P&I)
3% p.a.
Comparison Rate
3.73% p.a.
80% 80%
5 Year Fixed Special (Owner Occupier, IO)
3.5% p.a.
Comparison Rate
3.89% p.a.
80% 80%
5 Year Fixed Special (Investor, P&I)
3.19% p.a.
Comparison Rate
4.00% p.a.
95% 80%
5 Year Fixed Special (Investor, IO)
3.19% p.a.
Comparison Rate
3.97% p.a.
95% 80%
5 Year Fixed (Owner Occupier, P&I)
3.1% p.a.
Comparison Rate
3.77% p.a.
95% 80%
5 Year Fixed (Owner Occupier, IO)
3.6% p.a.
Comparison Rate
3.93% p.a.
95% 80%
5 Year Fixed (Investor, P&I)
3.29% p.a.
Comparison Rate
4.04% p.a.
95% 80%
5 Year Fixed (Investor, IO)
3.29% p.a.
Comparison Rate
4.01% p.a.
95% 80%
7 Year Fixed (Owner Occupier, P&I)
4.09% p.a.
Comparison Rate
4.23% p.a.
95% 80%
7 Year Fixed (Investor, P&I)
4.19% p.a.
Comparison Rate
4.44% p.a.
95% 80%
10 Year Fixed (Owner Occupier, P&I)
4.09% p.a.
Comparison Rate
4.31% p.a.
95% 80%
10 Year Fixed (Investor, P&I)
4.19% p.a.
Comparison Rate
4.48% p.a.
95% 80%
Product NameNewcastle Permanent Building Society Premium Plus Package Fixed Rate
Interest Rate TypeFixed
Comp Rate^ (p.a.)
Maximum Loan Term30 years
Maximum LVR80%
Maximum Insured LVR95%
Mortgage Offset AccountNo
Mortgage 100% OffsetNo
Loan Redraw FacilityYes
Split Loan FacilityYes
Loan PortableYes
Suitable for InvestmentYes
Extra RepaymentYes
Repayment TypePrincipal & Interest and Interest Only Options

Application Fee$0
Ongoing Fees$395 p.a.

Pros

  • No application fee
  • Discounted fixed rates
  • Loan can be packaged with other financial products

Cons

  • A $395 annual fee applies
  • No offset account

What do I need to know about this loan?

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.

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 do I apply for this loan?

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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Newcastle Permanent Building Society Premium Plus Package Fixed Rate

  • Interest Rate

    N/A

  • Comparison Rate

    N/A

  • App Fee / Annual Service Fee

    $0 / $395

  • Max LVR

    80%

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