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Newcastle Permanent home loans

 As part of NGM Group, one of Australia’s largest customer-owned banks, Newcastle Permanent has been helping customers with their first homes through to investment properties for 120 years.

In 1903, the Newcastle Permanent Building Society was established to provide the people of Newcastle with stability. Since then, Newcastle Permanent has grown to become one of Australia’s biggest building societies with over 50 branches across NSW. Newcastle Permanent is a building society, which means that instead of having customers, it has members. Being a building society, Newcastle Permanent distribute its profits back to its members by way of lower rates and fewer fees.

Newcastle Permanent has won numerous awards including the Money magazine award for cheapest home loan package in the non-bank category and the Smart Investor Blue Ribbon Award for Building Society of the year.


Mark Bristow
Mark Bristow

Personal Finance Editor

Content updated

Product data updated

Why choose Newcastle Permanent


  • Loans can be bundled with other loan products.
  • Wide range of loan products with flexible features.
  • Some loans offer discounts on the interest rate.
  • Home loans have flexible features.


  • Moderate to high interest rates.
  • Limited branch network outside of NSW.
  • Some loans have ongoing fees.

Newcastle Permanent Home Loans

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

Contact a mortgage broker

Newcastle Permanent home loans are available through brokers who can help find the right loan and manage your application at no charge.

broker profile picture

Matthew Herewini

Australian Credit Licence: 392200
788 Google reviews

Get expert advice from a home loans specialist.

Meet Matthew, a seasoned financial expert with a strong background in both mortgages and car loans. With 5 years of expe...

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broker profile picture

Damien Zanin

Australian Credit Licence: 392200
5 Google reviews

Get expert advice from a home loans specialist.

Damien has a hands-on approach when it comes to dealing with his clients. He shows empathy and a genuine sense of care t...

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Newcastle Permanent customer service

Home loan customers at Newcastle Permanent can contact customer support by calling the hotline, submitting an online enquiry or face-to-face in any of the branches.

In addition to Newcastle Permanent ATMs, loan customers have access to fee free withdrawals at over 3,000 Westpac Group ATMs Australia wide.

✓     Customer service centre (phone)

✓     Mobile app

✓     Online banking

✓     Email

✓     Branch

How to Apply

Newcastle Permanent provides potential customers with multiple ways of applying for a home loan. This includes calling the bank, filling in an online enquiry form or visiting a branch. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income.

You will also need to provide documentation when applying for a home loan. This may include:

  • Personal identification material.
  • Proof of income – whether you are self-employed or work for an employer.
  • Information regarding your current debts, liabilities and assets including any personal or car loans.

About our expert

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.