These home loans offer low costs, coupled with a host of features, giving the best overall value.
7+
Great
These home loans may have slightly higher interest rates or fewer features but overall, a competitive offering.
5+
Standard
Usually the home loans would offer above average rates. They may still include some competitive features.
0+
Basic
Higher costs and/or fewer features.
Key takeaways
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 August 2026
Hit the "Load more" button to compare a bigger selection of products. You can also find more information on each individual product by clicking "more info".
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How we picked these
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 N/A
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.
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).
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.
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.
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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
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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.
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
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.
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
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
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