RateCity.com.au
powering smart financial decisions
RateCity.com.au
Newcastle Permanent Building Society

Premium Plus Package Fixed Rate

Interest Rate

6.19

% p.a

Fixed - 3 years

Comparison Rate*

6.14

% p.a

Maximum LVR
90%
Real Time Rating™

3.58

/ 5
Monthly Repayment

$1,548

based on $300,000 loan amount for 25 years at 6.19%

Interest Rate

6.19

% p.a

Fixed - 3 years

Comparison Rate*

6.14

% p.a

Maximum LVR
90%
Real Time Rating™

3.58

/ 5
Monthly Repayment

$1,548

based on $300,000 loan amount for 25 years at 6.19%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,548

based on $300,000 loan amount for 25 years at 6.19%

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

John Fulford

5.0
9 Reviews

Get expert advice from a home loans specialist.

John enjoy’s helping people achieve their goals and has a passion for property. For 2 years now at Newcastle Finance Brokers he has been helping people find the best products and loans to suit his clients. John holds his Cert IV and Diploma in Finance & Mortgage broking.

NSW2292

CRN: 515694

Eric Dong

5.0
21 Reviews

Get expert advice from a home loans specialist.

We want to help our clients create lives they love through financial control and empowerment. Only after we’ve listened to what our clients are trying to achieve, and understood their unique set of circumstances do we start devising bespoke solutions for them. We do the legwork, running around and hard work, you will never have a headache for a competitive interest rate or a simplization of the loan process. We will provide expert guidance and help along the whole way from our initial meeting. We have two consultation fee options for both commercial and residential lending advice.

QLD4116

CRN: 429699

Jingxia (Suzanne) Wang

5.0
103 Reviews

Get expert advice from a home loans specialist.

With double master degrees of Professional Accounting and Commerce and over 3 years working experiences in the mortgage broking industry, Suzanne has been developing a wider sense of what her clients need and how to achieve their dreams of buying or building their own homes as well as increasing their investment property portfolio to build wealth. Suzanne loves meeting new clients and catching up with existing clients, she has a passion for delivering professional skills and experience to customise a solution for her clients to secure their financial future. On weekends she enjoys spending time with her family, reading books with her child, and going for long walks in the park. Suzanne Wang is a credit representative 534100 of BLSSA Pty Ltd ACN 117 651 760 (Australia Credit License 391237).

VIC3128

CRN: 484532

Quick home loan review

For Premium Plus Package Fixed Rate Investment Loan (Interest Only) 3 Years

These are the benefits of this home loan.

  • No upfront fees
  • Extra repayments and redraw facility
  • Free redraw facility
  • Split account option

These are the drawbacks of this home loan.

  • Limited extra repayments
  • No offset account
  • Higher than average interest rate
  • Loan reverts to higher rate after fixed period
  • Ongoing fee
  • Discharge fee at end of loan

Home loan overview

For Premium Plus Package Fixed Rate Investment Loan (Interest Only) 3 Years

Details

Maximum LVR

90%

Total Repayments

Next LVR

Interest rate type

Fixed - 3 years

Borrowing range

Suitable for

Investors

Loan term range

1 - 30 years

Principal & interest

Interest only

Applicable states

ACT, NSW, NT, QLD, SA, TAS, VIC, WA

Make repayments

Fortnightly, Monthly, Weekly

Features

Extra repayments

Yes - limited to $25000 per year

Redraw facility

Redraw fee: $0

Split interest facility

Loan portable

Repayment holiday available

Allow guarantors

Available for first home buyers

Fees

Total estimated upfront fees

0

Application fee

0

Valuation fee

$0

Settlement fee

0

Other upfront fee

0

Ongoing fee

$395 annually

Discharge fee

250

Application method

Online

Phone

In branch

Available
Not available
Data not captured
Specials
  • Cashback Refinance and get up to $3,000 cashback. $2,000 cashback on loans ≥$250K; bonus $1,000 cashback on loans ≥$500K. LVR ≤90%. Limited time offers extended. T&Cs apply.
    From Friday 1 April 2022, with our new Bonus Cashback Offer, customers who refinance a loan of $500,000 or more from another financial institution to us may be eligible for a bonus $1,000 cashback on top of the usual $2,000 cashback. Apply by 30 September 2022, funded by 30 November 2022. The total loan refinanced, either jointly or individually with NPBS must be $500,000 or more, and the refinanced loan must have a maximum Loan to Valuation Ratio of 90%. Limited time offer extended, T&Cs apply.

Target Market Determination

Visit Newcastle Permanent Building Society to view Target Market Determination.

Other Benefits

$0 annual Value+ Credit Card fee, $0 application fee for Personal and Car Loans

Embed

Newcastle Permanent is available through brokers

FAQs

What is the minimum amount you can apply for?

The range you can borrow from this loan is $5k to $99,999,999.

What's the minimum deposit needed for this loan?

This loan option comes with a maximum loan-to-value ratio of 90 percent, which means it requires a minimum deposit of 10 percent

What's the maximum length for this loan?

Newcastle Permanent Building Society allows you to have this loan for a range of 1 to 30 years.

How often can you make repayments?

Newcastle Permanent Building Society allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly, weekly.

How much will the upfront fees be for this loan?

While it could change based on your circumstances, RateCity estimates that this loan option comes with $0 worth of upfront fees.

Does this loan come with a redraw facility?

Yes, this loan comes with a redraw, charged at $0 if you need to use it.

How do you apply for this loan?

To apply for this loan, please contact Newcastle Permanent Building Society.

Can a broker help me with this loan?

Yes, this Newcastle Permanent Building Society loan is available through a broker. Find a broker to help you with your needs.