{
  "source": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/BL_busfixedPI",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "BL_busfixedPI",
    "effectiveFrom": "2000-07-03T14:00:00.000+10:00",
    "effectiveTo": "9999-12-29T13:00:00.000+11:00",
    "lastUpdated": "2026-06-24T14:00:00.000+10:00",
    "productCategory": "BUSINESS_LOANS",
    "name": "Business Loan Fixed Rate Principal and Interest",
    "description": "If you need to borrow money for your business, whether it’s to purchase a property or any other business purpose, with our Business Fixed Rate Fully Drawn Advance you can enjoy the certainty of fixed interest rates and repayments.",
    "brand": "NPBS",
    "brandName": "Newcastle Permanent Building Society",
    "additionalInformation": {
      "overviewUri": "https://www.newcastlepermanent.com.au/business"
    },
    "bundles": [],
    "features": [
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "You can pay as much as you like however you need to be aware that if you repay more than a total of 10% of the facility amount in any 12 month period (commencing on 1 November and ending on 31 October the following year) a 0.25% fee is payable on the amount repaid in excess of this 10% limit."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Flexible repayment terms available up to a maximum of 30 years if residentially secured, or to a maximum of 20 years if commercial, industrial, cash or mixed security."
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT",
        "additionalInfo": "Eligible customers enjoy dedicated and personalised service from the Business Solutions team."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking and Mobile Banking.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/digital-banking"
      }
    ],
    "constraints": [],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Available to permanent Australian Residents."
      },
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Available for business purposes for individual and non-individual borrowers, including sole traders, and companies."
      }
    ],
    "fees": [
      {
        "name": "Interest Rate Conversion Fee",
        "feeType": "VARIATION",
        "currency": "AUD",
        "additionalInfo": "Fee is payable for interest rate maintenance/conversion with a Letter of Variation or Letter of Advice.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "250.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Partial Release and Discharge of Security Fee",
        "feeType": "EXIT",
        "currency": "AUD",
        "additionalInfo": "Payable whenever we arrange for a Partial Release or Discharge of Security.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business",
        "fixedAmount": {
          "amount": "250.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Upfront Legal & Document Fees",
        "feeType": "UPFRONT",
        "currency": "AUD",
        "additionalInfo": "Minimum Fee is $250. The costs for reviewing documents and preparing security documents and facility agreements differ based on the type of security and other factors. The estimated fees will be provided in your Letter of Offer.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "variable": {},
        "feeMethodUType": "variable",
        "discounts": []
      },
      {
        "name": "Registration Fee",
        "feeType": "UPFRONT",
        "currency": "AUD",
        "additionalInfo": "Payable to us when there are additional costs associated with registration (for example, this may include a discharge of mortgage fee, transfer fee or any other dealing fee).",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "variable": {},
        "feeMethodUType": "variable",
        "discounts": []
      },
      {
        "name": "Consent and Execution of Leases, Plans of Subdivision etc.",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalInfo": "Consent and Execution of Leases, Plans of Subdivision etc.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business",
        "fixedAmount": {
          "amount": "150.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Application Fee",
        "feeType": "UPFRONT",
        "currency": "AUD",
        "additionalInfo": "Also known as establishment fee and payable when you accept the commercial letter of offer. (Does not apply to Residentially Secured Business Loan).",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business",
        "rateBased": {
          "rate": "0.0025",
          "rateType": "BALANCE"
        },
        "feeMethodUType": "rateBased",
        "discounts": []
      },
      {
        "name": "Break Cost Fee",
        "feeType": "EXIT",
        "currency": "AUD",
        "additionalInfo": "Are payable when a break cost event occurs: (a) we allow you to switch from a fixed interest rate for a facility to a variable interest rate during a fixed interest period or (b) you repay early all or any part of the total amount owing for that facility before the end of a fixed interest period or (c) the total amount owing for that facility becomes repayable because you are in default. ",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "rateBased": {
          "rate": "0.0025",
          "rateType": "BALANCE"
        },
        "feeMethodUType": "rateBased",
        "discounts": []
      },
      {
        "name": "Replacement Document Fee",
        "feeType": "REPLACEMENT",
        "currency": "AUD",
        "additionalInfo": "Fee is payable for replacement of documents due to the original documentation being lost or amendments to the original documents being required.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "100.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Limit Excess Fee",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalInfo": "A limit excess fee of $17.50 each time the facility limit is exceeded. If the balance owing exceeds the facility limit with or without our approval, we charge interest on that excess at the default rate.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business",
        "fixedAmount": {
          "amount": "17.50"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Valuation Fee",
        "feeType": "UPFRONT",
        "currency": "AUD",
        "additionalInfo": "The cost of each valuation report required to be issued.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "variable": {},
        "feeMethodUType": "variable",
        "discounts": []
      },
      {
        "name": "Settlement Fee",
        "feeType": "UPFRONT",
        "currency": "AUD",
        "additionalInfo": "Settlement fee is estimated at $300 per settlement. ",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "variable": {},
        "feeMethodUType": "variable",
        "discounts": []
      },
      {
        "name": "Upfront Fees Residential Security",
        "feeType": "UPFRONT",
        "currency": "AUD",
        "additionalInfo": "For new facilities secured by residential property, this single fee replaces Application Fee, Valuation Fee, Legal and Documentation Fee.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/business",
        "fixedAmount": {
          "amount": "600.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0650000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "applicationType": "PERIODIC",
        "additionalValue": "P2Y",
        "additionalInfo": "Base rate only, an additional margin is applied for security type (cash, residential and commercial) and the applicants credit risk. ",
        "applicabilityConditions": []
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0680000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "applicationType": "PERIODIC",
        "additionalValue": "P4Y",
        "additionalInfo": "Base rate only, an additional margin is applied for security type (cash, residential and commercial) and the applicants credit risk. ",
        "applicabilityConditions": []
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0671000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "applicationType": "PERIODIC",
        "additionalValue": "P1Y",
        "additionalInfo": "Base rate only, an additional margin is applied for security type (cash, residential and commercial) and the applicants credit risk. ",
        "applicabilityConditions": []
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0660000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "applicationType": "PERIODIC",
        "additionalValue": "P3Y",
        "additionalInfo": "Base rate only, an additional margin is applied for security type (cash, residential and commercial) and the applicants credit risk. ",
        "applicabilityConditions": []
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0680000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "applicationType": "PERIODIC",
        "additionalValue": "P5Y",
        "additionalInfo": "Base rate only, an additional margin is applied for security type (cash, residential and commercial) and the applicants credit risk. ",
        "applicabilityConditions": []
      }
    ],
    "isTailored": true
  }
}