EOFY 2026: Cashback with Newcastle Permanent home loans

Refinance your home loan or apply for a new loan with Newcastle Permanent and you could get up to $3,000 cashback^*!

When you refinance your home loan or apply for a new loan online with Newcastle Permanent, you could potentially get up to $3,000 cashback^* depending on the size of your loan. T&Cs apply.

With the end of the financial year creeping up quickly and interest rates on the rise, a lot of Aussies are looking at their home loans and seeing if refinancing is a good option.

So with this in mind, we're answering some common questions about refinancing your home loan with Newcastle Permanent.

And while you're here, make sure you check out the other Finder EOFY offers, too!

Explore all of our EOFY offers today

1. Is there a cashback available when I refinance with Newcastle Permanent?

Yes! When you apply online to refinance with Newcastle Permanent, you can receive up to $3,000 cashback^* depending on the size of your loan.

At time of writing, the current offer from Newcastle Permanent allows you to:

• Receive $2,500 cashback when you refinance a home loan between $250,000 - $499,000, 80% LVR or less.
• Receive $3,000 cashback when you refinance a home loan of $500,000+, 80% LVR or less.

A cashback can be spent however you'd prefer. You might be thinking about renovations, new furniture, repairs or even putting it straight back into the home loan to get it paid off sooner.

2. Can I get access to a good variable interest rate with Newcastle Permanent?

Yes, Newcastle Permanent offers competitive interest rates when you refinance a home loan.

At the time of writing, Newcastle Permanent is offering a variable home loan rate of 5.99% p.a.^# (6.03% p.a. Comparison rate^{^}) for the Real Deal Special home loan for new loans.

You can see more information about the specifics on the Newcastle Permanent website.

3. Can I access a range of loan features?

Yes, you can. When you choose Newcastle Permanent, you can get access to a number of loan features, including:

• Redraw facilities
• Additional repayments
• Split loans

Having access to features like this can make it easier to repay your loan sooner, and avoid additional costs from interest or fees.

4. Is there a straightforward application process?

Yes! It's easy to apply for a new home loan online or refinance with Newcastle Permanent.

The average application takes less than 15 minutes.

Just a quick heads-up though. You'll need to have your ID and internet banking details handy to speed up the process.

Learn how you can apply for a new home loan or refinance with Newcastle Permanent today

*Online Cashback Offer available for online home loan new purchases and refinances from another financial institution (excluding Greater Bank, part of NGM Group). 80% LVR or less. $2,500 cashback for loans $250-$499k or $3,000 for loans ≥$500k. Applications must be submitted through Newcastle Permanent's online application channel. If eligible, applicable cashback amount will be deposited after loan settlement to an eligible Newcastle Permanent deposit account. Only one cashback payment per eligible loan and for first eligible loan only. Not available in conjunction with any other promotional payment. Offer may be varied or withdrawn at any time. Terms, conditions, fees, charges and eligibility assessment criteria apply. See the full Online Cashback Offer Terms and Conditions.

#Owner occupied, P&I loans, LVR < 80%. Minimum balance $150,000.

^The Comparison Rate is calculated on a loan amount 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.

Newcastle Permanent, part of Newcastle Greater Mutual Group Ltd ACN 087 651 992 Australian Financial Services Licence/Australian credit licence 238273. This article is intended to provide general information of an educational nature only. Any opinions expressed are those of the relevant contributors. Information in this article is current as at the date of publication.