Newcastle Permanent home loan rates from 6.19%

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Newcastle Permanent is a member-owned based in Newcastle, NSW.
Newcastle Permanent's fixed package home loans are its most competitive rates.
Newcastle Permanent has online banking and branches across NSW.
You need a 20% deposit for some Newcastle Permanent home loans, but it does have options for borrowers with smaller deposits.

Compare Newcastle Permanent home loans for October 2026

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Finder Score	Interest Rate p.a.	Comparison Rate p.a.	Fees	Features	Monthly Payment
Finder score 8.9 Great Newcastle Permanent Real Deal Home Loan	Finder score 8.9 Great	Interest Rate 6.44%	Comparison Rate 6.48%	Fees Application: $350 Ongoing: $0 p.a.	Principal & Interest20% min. equityInvestment	Monthly Payment $3,144 per month	Cashback: Eligible purchases and refinancers can get up to $3,000 cashback depending on loan value with LVR 80% or less. Application must be completed online. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
Finder score 8.9 Great Newcastle Permanent Real Deal Home Loan	Finder score 8.9 Great	Interest Rate 6.19%	Comparison Rate 6.23%	Fees Application: $350 Ongoing: $0 p.a.	Principal & Interest20% min. equityOwner-occupier	Monthly Payment $3,063 per month	Cashback: Eligible purchases and refinancers can get up to $3,000 cashback depending on loan value with LVR 80% or less. Application must be completed online. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
Finder score 9.6 Excellent Newcastle Permanent Premium Plus Package Fixed Rate Home Loan Special	Finder score 9.6 Excellent	Interest Rate 6.49%	Comparison Rate 8.14%	Fees Application: $0 Ongoing: $395 p.a.	Principal & Interest 3Y Fixed20% min. equityInvestment	Monthly Payment $3,160 per month	Cashback: Eligible purchases and refinancers can get up to $3,000 cashback depending on loan value with LVR 80% or less. Application must be completed online. T&Cs apply.	View details Compare product selectionCompare	loading
Finder score 9.6 Excellent Newcastle Permanent Premium Plus Package Fixed Rate Home Loan Special	Finder score 9.6 Excellent	Interest Rate 6.59%	Comparison Rate 8.17%	Fees Application: $0 Ongoing: $395 p.a.	Interest only 3Y Fixed20% min. equityInvestment	Monthly Payment $3,193 per month	Cashback: Eligible purchases and refinancers can get up to $3,000 cashback depending on loan value with LVR 80% or less. Application must be completed online. T&Cs apply.	View details Compare product selectionCompare	loading
Finder score 9.4 Excellent Newcastle Permanent Premium Plus Package Fixed Rate	Finder score 9.4 Excellent	Interest Rate 6.69%	Comparison Rate 8.19%	Fees Application: $0 Ongoing: $395 p.a.	Interest only 3Y Fixed10% min. equityInvestmentLMI	Monthly Payment $3,226 per month	Cashback: Eligible purchases and refinancers can get up to $3,000 cashback depending on loan value with LVR 80% or less. Application must be completed online. T&Cs apply.	View details Compare product selectionCompare	loading

Showing 5 of 105 results

Congratulations, Newcastle Permanent!

Newcastle Permanent was a big winner in the 2026 Finder Awards.

Highly Commended, Best Owner Occupier P&I Variable Home Loan: Newcastle Permanent Premium Plus Package Home Loan - New Customer Offer Discount 1 ($150k+ Owner Occupier, P&I)
Highly Commended, Best Variable Home Loan with Offset: Newcastle Permanent Premium Plus Package Home Loan - New Customer Offer Discount 1 ($150k+ Owner Occupier, P&I)
Highly Commended, Best Investor IO 1 Year Fixed Home Loan: Newcastle Permanent Premium Plus Package Fixed Rate - 1 Year Fixed Special (Investor, IO)
Highly Commended, Best Value Home Loan: Newcastle Permanent Premium Plus Package Home Loan - New Customer Offer Discount 1 ($150k+ Owner Occupier, P&I)
Winner, Best Investor Fixed Home Lender: Newcastle Permanent

Full list of 2026 home loans winners

Newcastle Permanent home loan features

Here are the key features and details you need to know about Newcastle Permanent's mortgage products.

Feature	Details
Minimum deposit	Many Newcastle Permanent loans have 80% maximum LVRs. This means you can borrow up to 80% with a Newcastle Permanent mortgage. But it also has many options for borrowers with 5-10% low deposits (that is, deposits below 20%).
Offset account	Some Newcastle Permanent loans come with offset accounts, including its variable rate package home loans.
Fees	Newcastle Permanent loans have minimal fees, but package loans do come with an annual package fee.
Repayment options	Both Newcastle Permanent's fixed and variable rate loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.

How do I apply for a mortgage from Newcastle Permanent?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.

Eligibility

The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

Age. You must be over 18 years of age.
Residency. You should be a resident of Australia.
Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Newcastle Permanent you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

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Sources

What is Finder Score?

The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.

Read the full breakdown

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Written by

Marc Terrano

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Marc Terrano is a lead publisher and growth marketer at Finder. He has previously worked at Finder as a publisher for frequent flyer points and home loans, and as a writer, podcast host and content marketer. Marc has a Bachelor of Communications (Journalism) from the University of Technology Sydney. He’s passionate about creating honest and simple reviews and comparisons to help everyone get value for money. See full bio

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6 Responses

LesleyJanuary 14, 2020

Do you do reverse mortgages? My son is wanting to do major repairs to his home and has asked if my husband and I could get a reverse mortgage. We currently owe $21,000.00 on our home which is valued at about $750,000. We would be needing a reverse mortgage for $100,000.00.

NikkiJanuary 16, 2020

Hi Lesley,

Thanks for your comment and I hope you are doing well.

Newcastle doesn’t offer reverse mortgages at this time. You may instead refer to our list of reverse mortgages. You will find a table that compares the features and benefits of each home loan provider such as max loan rate, interest and etc. This way it will be easier for you to see which provider fits you best. You can also click the compare box beside each loan option and compare up to 4 options side by side for easier comparison. We recommend that you seek financial advice and evaluate all of your options to ensure that you make a decision that’s right for your own individual circumstances. Remember, it is important to read the information provided by the lenders such as their terms of use, privacy policy, and disclosures before making any decisions.

It is also a good idea to speak to a mortgage broker to get professional, personalized advice. Mortgage brokers are professionals who sort through hundreds of loans in the market so borrowers don’t have to. A mortgage broker’s service is usually free because they earn a commission from the lender. A good mortgage broker can make life easier and they can help borrowers in difficult circumstances to find a home loan that matches their situation.

Hope this helps and feel free to reach out to us again for further assistance.

Cheers,
Nikki

JosephineOctober 5, 2014

I wish to purchase a property at Batlow NSW the question I have is with $50,000 cash and the property being 130,000 will you lend a 60 year old person on the DSP pension money for a home loan.

Finder

ShirleyOctober 7, 2014Finder

Hi Josephine,

Thanks for your question.

These types of applications are usually handled on a case by case basis. Newcastle Permanent will have a look at how much you receive from DSP pension and how permanent the payment is. I’d recommend that you get in touch with them directly to discuss your options and eligibility.

Cheers,
Shirley

TamarJanuary 28, 2014

my husband and i are both 52 this year and looking at better home loan. we are currently with NAB on a variable rate of 5.42%. we are looking at selling our home in the next 2 years , we wish to rebuild and invest in another property . we are self employed since 1994 . which home loan would you recommend

Finder

MarcJanuary 28, 2014Finder

Hi Tamar,

Thanks for the question.

You may refer to our guide on refinancing home loan to learn more about your options and decide on a good home loan.

I also recommend getting in touch with a licensed mortgage broker. A broker can help you understand your financial position and they can leverage their panel of networks to find a lender that is more inclined to review your application.

I hope this helps,
Marc

Newcastle Permanent home loans

Newcastle Permanent has home loans for owner-occupiers and investors, with rates starting from 6.19%.

Key takeaways