Black Friday: Cashback with Newcastle Permanent home loans
Whether you need a new home loan or want to refinance your current one, Newcastle Permanent can help – and you could score a cashback too!
Sponsored by Newcastle Permanent.+ Apply for a new home loan or refinance your existing one online with Newcastle Permanent and you could score up to $3,000 cashback+. Application must be completed online. $2,000 cashback for loans ≥$250k or $3,000 for loans ≥$500k. 80% LVR or less. Offer may be varied or withdrawn at any time. T&Cs, fees, charges and credit criteria apply. Click here for cashback offer T&Cs.
With the end of the year on the horizon, it's a great time to reassess your finances. This should include any home loans you currently hold, whether you're an owner-occupier or an investor.
And if you don't have one at the moment, it's a good time to think about whether you're planning to buy in the new year.
Currently, Newcastle Permanent is offering a cashback+ of up to $3,000 when you take out a new home loan or refinance online.
Let's take a look at some of the benefits of opting for a Newcastle Permanent home loan.
Get started with Newcastle Permanent
1. You can score a cashback
First things first.
Right now, Newcastle Permanent is offering a cashback+ of up to $3,000 when you apply online for an eligible new home loan or refinance of $250,000 or more with a loan-to-value ratio (LVR) of 80% or less.
The amount you receive depends on the size of your loan — $2,000 for loans between $250,000 and $499,999, or $3,000 for loans of $500,000 or more.
This can free up cash flow, allowing you to cover a range of costs.
Renovations, new furniture, covering bills...or alternatively, you can just use it to pay straight back into your mortgage.
The choice is in your hands!
2. You can get access to competitive interest rates
At the moment, Newcastle Permanent has a range of home loans available that currently offer competitive rates.
- Real Deal Special 1 Owner Occupier: 5.24% with a comparison rate of 5.28% p.a.
- Real Deal Special 1 Investment: 5.44% with a comparison rate of 5.48% p.a.
- Premium Plus Package 2 Year Fixed Rate: 4.89% with a comparison rate of 6.96% p.a.
Each offers a range of distinct features, designed to suit different borrowers and refinancers.
You can see the full range of home loans available on the Newcastle Permanent website.
Newcastle Permanent home loans
When you opt to refinance or take out a new home loan with Newcastle Permanent, you can gain access to a range of loan features, including:
- Competitive interest rates
- Redraw facilities
- Additional repayments
- Split loans
- Complete your application online and get $2,000 cashback+ for loans $250-$499k or $3,000 for loans ≥$500k. 80% LVR or less.
3. You can unlock better loan features
Depending on the loan that you opt for, Newcastle Permanent offers a range of different features.
Some of them include:
- Offset accounts: The Premium Plus Package Variable home loan offers a 100% interest offset account. Linked to your variable loan, the offset account reduces the amount of interest charged — helping to lower your overall loan cost.
- Extra repayments: Having the ability to make extra repayments can allow you to pay off your home loan more quickly, saving you time and money in the long run.
- Redraw: If you've made additional repayments, redraw allows you to draw on funds. Just make sure to check and see if any fees are required.
- Split loans: Split loans allow you to divide your home loan into fixed and variable portions, giving you flexibility to balance rate stability with potential interest savings.
Visit the Newcastle Permanent website.
Learn more about Newcastle Permanent home loans today
Sponsored by Newcastle Permanent.+ Apply for a new home loan or refinance your existing one online with Newcastle Permanent and you could score up to $3,000 cashback+. Application must be completed online. $2,000 cashback for loans ≥$250k or $3,000 for loans ≥$500k. 80% LVR or less. Offer may be varied or withdrawn at any time. T&Cs, fees, charges and credit criteria apply. Click here for cashback offer T&Cs.
More information about Newcastle Permanent
+Online Cashback Offer available for eligible loan application submitted via our online application channel. $2,000 cashback for loans $250-$499k or $3,000 for loans ≥$500k. 80% LVR or less. Excludes refinances from Greater Bank, part of NGM Group. If eligible, cashback payment will be made within 60 days of the loan settlement date (loan must still be open at time of payment). Only one (1) cashback payment per eligible loan and for first eligible loan only. Not available where any loan cashback has been paid within the past 12-months, or in conjunction with any other promotional payment. Offer may be varied or withdrawn at any time. See the full Online Cashback Offer Terms and Conditions
*Interest rates effective 26/08/2025. Subject to change without notice. Terms, conditions, fees, charges and credit criteria apply.
^The Comparison Rate is based on a rate loan of $150,000 for a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Interest rates effective as of 26/08/2025 and are subject to change without prior notice.
#Redraws available on application, for amounts in advance. A redraw fee applies to applications made in branch.
Newcastle Permanent, part of Newcastle Greater Mutual Group Ltd ACN 087 651 992, Australian credit licence 238273.
Image: @fizkes via Canva.com