Newcastle Permanent home loan repayment calculator

Thinking about taking out a home loan with Newcastle Permanent? Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how Newcastle Permanent home loans compare with other options.

I am an

With a repayment type

Borrow amount

$

Deposit amount %

Loan term

Your estimated repayments

at interest rate 2.59 %

Total interest payable

$0

Total amount payable

$0

Pros and cons

  • 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 rates

Product
Advertised Rate
Total estimated upfront fees
Comparison Rate*
Ongoing fee
Go to site
Company

2.59%

Variable

$595

2.63%

$0
Newcastle Permanent
More details

2.99%

Variable

$595

2.77%

$0
Newcastle Permanent
More details

2.99%

Variable

$595

3.02%

$0
Newcastle Permanent
More details

2.99%

Variable

$595

3.03%

$0
Newcastle Permanent
More details

2.99%

Variable

$595

3.03%

$0
Newcastle Permanent
More details

1.99%

Fixed - 5 years

$0

3.34%

$395 annually
Newcastle Permanent
More details

2.94%

Variable

$0

3.34%

$395 annually
Newcastle Permanent
More details

2.09%

Fixed - 5 years

$0

3.43%

$0
Newcastle Permanent
More details

3.34%

Variable

$0

3.45%

$395 annually
Newcastle Permanent
More details

2.39%

Fixed - 5 years

$0

3.47%

$395 annually
Newcastle Permanent
More details

2.18%

Fixed - 4 years

$0

3.51%

$395 annually
Newcastle Permanent
More details

2.39%

Fixed - 5 years

$0

3.54%

$0
Newcastle Permanent
More details

2.18%

Fixed - 3 years

$0

3.61%

$395 annually
Newcastle Permanent
More details

2.49%

Fixed - 5 years

$0

3.61%

$0
Newcastle Permanent
More details

2.58%

Fixed - 4 years

$0

3.61%

$395 annually
Newcastle Permanent
More details

3.26%

Variable

$0

3.61%

$395 annually
Newcastle Permanent
More details

2.28%

Fixed - 4 years

$0

3.63%

$0
Newcastle Permanent
More details

2.39%

Fixed - 3 years

$0

3.66%

$395 annually
Newcastle Permanent
More details

3.26%

Variable

$0

3.66%

$395 annually
Newcastle Permanent
More details

2.58%

Fixed - 3 years

$0

3.69%

$395 annually
Newcastle Permanent
More details

3.31%

Variable

$0

3.70%

$395 annually
Newcastle Permanent
More details

2.49%

Fixed - 5 years

$0

3.71%

$395 annually
Newcastle Permanent
More details

2.18%

Fixed - 2 years

$0

3.72%

$395 annually
Newcastle Permanent
More details

2.18%

Fixed - 2 years

$0

3.72%

$395 annually
Newcastle Permanent
More details

2.49%

Fixed - 5 years

$0

3.73%

$395 annually
Newcastle Permanent
More details

2.58%

Fixed - 4 years

$0

3.73%

$0
Newcastle Permanent
More details

2.79%

Fixed - 5 years

$0

3.73%

$0
Newcastle Permanent
More details

3.00%

Fixed - 5 years

$0

3.73%

$395 annually
Newcastle Permanent
More details

2.89%

Fixed - 3 years

$0

3.76%

$395 annually
Newcastle Permanent
More details

2.58%

Fixed - 2 years

$0

3.77%

$395 annually
Newcastle Permanent
More details

3.00%

Fixed - 4 years

$0

3.77%

$395 annually
Newcastle Permanent
More details

2.28%

Fixed - 3 years

$0

3.78%

$0
Newcastle Permanent
More details

2.68%

Fixed - 4 years

$0

3.78%

$0
Newcastle Permanent
More details

2.68%

Fixed - 2 years

$0

3.79%

$395 annually
Newcastle Permanent
More details

1.98%

Fixed - 1 year

$0

3.81%

$395 annually
Newcastle Permanent
More details

2.59%

Fixed - 5 years

$595

3.82%

$0
Newcastle Permanent
More details

2.79%

Fixed - 5 years

$0

3.82%

$395 annually
Newcastle Permanent
More details

3.60%

Intro 36 months

$0

3.82%

$0
Newcastle Permanent
More details

2.29%

Fixed - 1 year

$0

3.84%

$395 annually
Newcastle Permanent
More details

2.38%

Fixed - 1 year

$0

3.84%

$395 annually
Newcastle Permanent
More details

2.79%

Fixed - 5 years

$0

3.84%

$395 annually
Newcastle Permanent
More details

2.58%

Fixed - 3 years

$0

3.86%

$0
Newcastle Permanent
More details

2.59%

Fixed - 5 years

$595

3.86%

$0
Newcastle Permanent
More details

2.68%

Fixed - 4 years

$0

3.87%

$395 annually
Newcastle Permanent
More details

2.79%

Fixed - 1 year

$0

3.88%

$395 annually
Newcastle Permanent
More details

2.98%

Fixed - 4 years

$0

3.88%

$0
Newcastle Permanent
More details

2.68%

Fixed - 4 years

$0

3.89%

$395 annually
Newcastle Permanent
More details

2.68%

Fixed - 3 years

$0

3.89%

$0
Newcastle Permanent
More details

3.50%

Fixed - 5 years

$0

3.89%

$395 annually
Newcastle Permanent
More details

3.85%

Variable

$0

3.89%

$0
Newcastle Permanent
More details

3.50%

Fixed - 4 years

$0

3.90%

$395 annually
Newcastle Permanent
More details

2.28%

Fixed - 2 years

$0

3.94%

$0
Newcastle Permanent
More details

2.89%

Fixed - 5 years

$595

3.94%

$0
Newcastle Permanent
More details

4.09%

Intro 36 months

$0

3.95%

$0
Newcastle Permanent
More details

2.68%

Fixed - 3 years

$0

3.96%

$395 annually
Newcastle Permanent
More details

2.98%

Fixed - 4 years

$0

3.96%

$395 annually
Newcastle Permanent
More details

2.89%

Fixed - 5 years

$595

3.97%

$0
Newcastle Permanent
More details

2.98%

Fixed - 3 years

$0

3.97%

$0
Newcastle Permanent
More details

2.68%

Fixed - 3 years

$0

3.98%

$395 annually
Newcastle Permanent
More details

2.98%

Fixed - 4 years

$0

3.98%

$395 annually
Newcastle Permanent
More details

2.58%

Fixed - 2 years

$0

3.99%

$0
Newcastle Permanent
More details

2.68%

Fixed - 2 years

$0

4.01%

$0
Newcastle Permanent
More details

2.78%

Fixed - 4 years

$595

4.02%

$0
Newcastle Permanent
More details

2.98%

Fixed - 3 years

$0

4.03%

$395 annually
Newcastle Permanent
More details

2.78%

Fixed - 4 years

$595

4.04%

$0
Newcastle Permanent
More details

2.98%

Fixed - 3 years

$0

4.05%

$395 annually
Newcastle Permanent
More details

2.68%

Fixed - 2 years

$0

4.06%

$395 annually
Newcastle Permanent
More details

2.98%

Fixed - 2 years

$0

4.06%

$0
Newcastle Permanent
More details

2.68%

Fixed - 2 years

$0

4.07%

$395 annually
Newcastle Permanent
More details

4.34%

Variable

$0

4.08%

$0
Newcastle Permanent
More details

2.08%

Fixed - 1 year

$0

4.09%

$0
Newcastle Permanent
More details

2.38%

Fixed - 1 year

$0

4.11%

$0
Newcastle Permanent
More details

2.98%

Fixed - 2 years

$0

4.11%

$395 annually
Newcastle Permanent
More details

2.48%

Fixed - 1 year

$0

4.12%

$0
Newcastle Permanent
More details

3.08%

Fixed - 4 years

$595

4.12%

$0
Newcastle Permanent
More details

2.98%

Fixed - 2 years

$0

4.13%

$395 annually
Newcastle Permanent
More details

3.08%

Fixed - 4 years

$595

4.14%

$0
Newcastle Permanent
More details

2.48%

Fixed - 1 year

$0

4.15%

$395 annually
Newcastle Permanent
More details

2.78%

Fixed - 2 years

$595

4.15%

$0
Newcastle Permanent
More details

2.78%

Fixed - 1 year

$0

4.15%

$0
Newcastle Permanent
More details

2.78%

Fixed - 3 years

$595

4.15%

$0
Newcastle Permanent
More details

3.77%

Variable

$0

4.15%

$395 annually
Newcastle Permanent
More details

2.48%

Fixed - 1 year

$0

4.16%

$395 annually
Newcastle Permanent
More details

3.94%

Intro 36 months

$595

4.16%

$0
Newcastle Permanent
More details

2.78%

Fixed - 3 years

$595

4.17%

$0
Newcastle Permanent
More details

2.78%

Fixed - 1 year

$0

4.18%

$395 annually
Newcastle Permanent
More details

3.99%

Fixed - 7 years

$0

4.18%

$395 annually
Newcastle Permanent
More details

3.99%

Fixed - 7 years

$0

4.18%

$395 annually
Newcastle Permanent
More details

4.09%

Fixed - 10 years

$0

4.18%

$0
Newcastle Permanent
More details

2.78%

Fixed - 1 year

$0

4.19%

$395 annually
Newcastle Permanent
More details

4.09%

Fixed - 7 years

$0

4.20%

$0
Newcastle Permanent
More details

3.08%

Fixed - 3 years

$595

4.23%

$0
Newcastle Permanent
More details

4.19%

Variable

$595

4.23%

$0
Newcastle Permanent
More details

3.08%

Fixed - 3 years

$595

4.24%

$0
Newcastle Permanent
More details

3.99%

Fixed - 10 years

$0

4.24%

$395 annually
Newcastle Permanent
More details

4.19%

Fixed - 10 years

$0

4.25%

$0
Newcastle Permanent
More details

4.19%

Fixed - 7 years

$0

4.26%

$0
Newcastle Permanent
More details

4.39%

Intro 36 months

$595

4.28%

$0
Newcastle Permanent
More details

4.25%

Variable

$0

4.29%

$0
Newcastle Permanent
More details

2.78%

Fixed - 2 years

$595

4.31%

$0
Newcastle Permanent
More details

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.

Learn more about Newcastle Permanent

What is a building in course of erection loan?

Also known as a construction home loan, a building in course of erection (BICOE) loan loan allows you to draw down funds as a building project advances in order to pay the builders. This option is available on selected variable rate loans.

Who offers 40 year mortgages?

Home loans spanning 40 years are offered by select lenders, though the loan period is much longer than a standard 30-year home loan. You're more likely to find a maximum of 35 years, such as is the case with Teacher’s Mutual Bank

Currently, 40 year home loan lenders in Australia include AlphaBeta Money, BCU, G&C Mutual Bank, Pepper, and Sydney Mutual Bank.

Even though these lengthier loans 35 to 40 year loans do exist on the market, they are not overwhelmingly popular, as the extra interest you pay compared to a 30-year loan can be over $100,000 or more.

Interest Rate

Your current home loan interest rate. To accurately calculate how much you could save, an accurate interest figure is required. If you are not certain, check your bank statement or log into your mortgage account.

How common are low-deposit home loans?

Low-deposit home loans aren’t as common as they once were, because they’re regarded as relatively risky and the banking regulator (APRA) is trying to reduce risk from the mortgage market.

However, if you do your research, you’ll find there is still a fairly wide selection of banks, credit unions and non-bank lenders that offers low-deposit home loans.

Do other comparison sites offer the same service?

Real Time RatingsTM is the only online system that ranks the home loan market based on your personal borrowing preferences. Until now, home loans have been rated based on outdated data. Our system is unique because it reacts to changes as soon as we update our database.

Mortgage Calculator, Loan Term

How long you wish to take to pay off your loan. 

What does going guarantor' mean?

Going guarantor means a person offers up the equity in their home as security for your loan. This is a serious commitment which can have major repercussions if the person is not able to make their repayments and defaults on their loan. In this scenario, the bank will legally be able to the guarantor until the debt is settled.

Not everyone can be a guarantor. Lenders will generally only allow immediate family members to act as a guarantor but this can sometimes be stretched to include extended family depending on the circumstances.

How personalised is my rating?

Real Time Ratings produces instant scores for loan products and updates them based what you tell us about what you’re looking for in a loan. In that sense, we believe the ratings are as close as you get to personalised; the more you tell us, the more we customise to ratings to your needs. Some borrowers value flexibility, while others want the lowest cost loan. Your preferences will be reflected in the rating. 

We also take a shorter term, more realistic view of how long borrowers hold onto their loan, which gives you a better idea about the true borrowing costs. We take your loan details and calculate how much each of the relevent loans would cost you on average each month over the next five years. We assess the overall flexibility of each loan and give you an easy indication of which ones are likely to adjust to your needs over time. 

Mortgage Calculator, Loan Results

These are the loans that may be suitable, based on your pre-selected criteria. 

Mortgage Calculator, Repayment Frequency

How often you wish to pay back your lender. 

What is breach of contract?

A failure to follow all or part of a contract or breaking the conditions of a contract without any legal excuse. A breach of contract can be material, minor, actual or anticipatory, depending on the severity of the breaches and their material impact.

What is an ombudsman?

An complaints officer – previously referred to as an ombudsman -looks at formal complaints from customers about their credit providers, and helps to find a fair and independent solution to these problems.

These services are handled by the Australian Financial Complaints Authority, a non-profit government organisation that addresses and resolves financial disputes between customers and financial service providers.

Does each product always have the same rating?

No, the rating you see depends on a number of factors and can change as you tell us more about your loan profile and preferences. The reasons you may see a different rating:

  • Lenders have made changes. Our ratings show the relative competitiveness of all the products listed at a given time. As the listing change, so do the ratings.
  • You have updated you profile. If you increase your loan amount, the impact of different rates and fees will change which loans are the lowest cost for you.
  • You adjust your preferences. The more you search for flexible loan features, the more importance we assign to the Flexibility Score. You can also adjust your Flexibility Weighting yourself, which will recalculate the ratings with preference given to more flexible loans.

What is a redraw fee?