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2.67
% p.a
Variable
2.71
% p.a
$1,372
based on $300,000 loan amount for 25 years at 2.67%
Calculate your repayments for this loan
Your estimated repayment
$1,372
based on $300,000 loan amount for 25 years at 2.67%
Newcastle Permanent home loans are available through brokers who can help find the right loan and manage your application at no charge.
Kristina Louise
Get expert advice from a home loans specialist.
Kristina offers 12 years of experience and works for #1 Independent Brokerage for 6 years. . She has the ability to effectively communicate convoluted lending processes so that consumers can more easily understand the home loan process. Kristina is fascinated by complex lending scenarios in particular; Guarantor Lending, Investment Strategies, and Self-employed applications. “My passion is to help every single person. I treat all of my clients with the same level of respect and service. Whether you are a First home buyer, Investor or Property Mogul, I will tailor my service to your specific needs.” Having worked with a Big 4 Bank and a non-Independent Broker Firm, Kristina has been exposed to both sides of the lending industry meaning you will have a broker on your side that can navigate and manage lending hurdles with ease. “Clients always tell me that they have been loyal customers to their bank but in return they are treated as a number. My goal outside achieving great outcomes for all of my clients is to make sure they feel heard and valued, quite simply because they are”.
CRN: 528640
Madhu Chaudhuri
Get expert advice from a home loans specialist.
Madhu Chaudhuri’s journey from a practicing Architect to a Broker has shaped her 27-year career in Australia culminating in the formation of her company Finance & Mortgage Solutions in 2001. Her vision to assist people to grow themselves financially, to be able to contribute and flourish in the community is the foundation of her practice, resulting in Industry recognition at the State and National level as a top mortgage broker. At FMS, Madhu leads a multi-lingual team to design and engineer finance solutions whether to build a home and material stability or supporting emerging entrepreneurs to open and run small businesses in their local communities. Coming to Australia as an immigrant herself more than 20 years ago, Madhu has lived experience and understanding of some of the struggles of relocating financially and emotionally- especially for migrants. Recognising the need for multi-lingual and multi-cultural access points, FMS has filled this need for migrant journey’s to be heard and supported. She donates her time for various women’s groups such as Saheli Club and Indian Mums Sydney and receives genuine fulfillment when counselling and advising on financial matters to help women achieve financial independence. She has now also been invited to Lean In Org to be the financial mentor in a workshop series for migrant women. Madhu’s drive lies in genuine connection with the community, recognising that it is built by diverse perspectives and experiences and there is a lot to learn from the young and old collectively. Madhu has sponsored an annual ‘Good Word Award’ at the local public school to support public speaking and communication programs for children for the past 7 years, as well as regular events and outing for the aged South Asian community. Finance & Mortgage Solutions strength lies in guiding, mentoring and coaching clients as well as brokers, which has resulted in growth in cities including Sydney, Melbourne, Brisbane, Adelaide & Canberra. Their services break down a pathway for migrants to financial autonomy into achievable milestones to build a strong, foreseeable financial future in their new country.
ACL: 384375
Duncan Tonkin
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Duncan is the Director of Villa Finance Group and has 24 years of experience in the banking and finance industry. Having had a fulfilling and successful 12 year career at ANZ, he moved into Mortgage Broking and founded Villa Finance Group in 2013. Villa Finance Group prides itself on developing long-term relationships not just the initial home loan, including yearly interest rate reviews and regular updates in relation to your home and investment loans. Duncan has a passion for assisting clients build wealth through property. Whether it be assisting first home buyers to navigate the entire purchase process, advising families how to pay off their loans sooner, implementing investment strategies for clients seeking to enter the investment property market or experienced investors with a growing investment property portfolio. Duncan holds an MBA (Management) from Macquarie Graduate School of Management, a Bachelor of Business (HR) and a Certificate IV in Finance and Mortgage Broking Management.
CRN: 454057

Smart Booster Home Loan Discounted Variable - 2yr
2.10
% p.a
Intro 24 months
2.46
% p.a
Buyers and refinancers can benefit from this special discounted rate, plus no ongoing fees and optional access to an offset account.
Quick home loan review
For Real Deal Variable Home Loan Special (Principal and Interest) (LVR 80%-95%)
These are the benefits of this home loan.
- Interest rates ranked in the best 20%
- No ongoing fees
- Suitable for low deposits
- Redraw facility available
- Parents can sign as guarantor
- Extra repayments and redraw facility
- Split account option
These are the drawbacks of this home loan.
- No offset account
- Higher than average upfront fee
- Discharge fee at end of loan
Home loan overview
For Real Deal Variable Home Loan Special (Principal and Interest) (LVR 80%-95%)
- Details
- Features
- Fees
- Application method
Details
Maximum LVR 95% | Total Repayments $411,600 |
Interest rate type Variable | |
Borrowing range
$150k
-
$100m
| Suitable for Owner Occupiers |
Loan term range 1 - 30 years | Principal & interest |
Interest only | Applicable states ACT, NSW, NT, QLD, SA, TAS, VIC, WA |
Features
Extra repayments Unlimited extra repayments | Offset account No |
Redraw facility Redraw fee: $10 | Split interest facility |
Loan portable | Repayment holiday available |
Allow guarantors | Available for first home buyers |
Fees
Total estimated upfront fees 595 | Application fee 595 |
Legal fee $0 | Valuation fee $0 |
Settlement fee 0 | Other upfront fee 0 |
Ongoing fee $0 | Discharge fee 250 |
Application method
Online | Phone |
Broker | In branch |
- Cashback Refinance and get $3,000 cashback for home loans over $500k with LVR ≤ 90%. Limited time offer 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 June 2022, funded by 31 August 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 Restrictions
Must be new borrower with new borrowings of $150,000 or more, OR existing borrowers who apply for an increase in their borrowings by $150,000 or more.
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