{
  "source": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_premiumplusinvIO",
  "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": "HL_premiumplusinvIO",
    "effectiveFrom": "2017-09-23T14:00:00.000+10:00",
    "effectiveTo": "9999-12-29T13:00:00.000+11:00",
    "lastUpdated": "2026-06-24T14:00:00.000+10:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Premium Plus Package Variable Home Loan Investment Interest Only",
    "description": "A variable rate package home loan with redraw and a 100% offset account",
    "brand": "NPBS",
    "brandName": "Newcastle Permanent Building Society",
    "additionalInformation": {
      "overviewUri": "https://www.newcastlepermanent.com.au/personal/home-loans/premium-plus-package-variable",
      "feesAndPricingUri": "https://www.newcastlepermanent.com.au/personal/home-loans/premium-plus-package-variable"
    },
    "bundles": [],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Split Loan"
      },
      {
        "featureType": "CASHBACK_OFFER",
        "additionalValue": "2500.00 - 3000.00",
        "additionalInfo": "Online Cashback Offer available on eligible purchased and refinanced loans for applications submitted through our online application channel. See Offer terms and conditions for details.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Promotions"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/digital-banking"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "You can make regular additional repayments and extra lump sum payments."
      },
      {
        "featureType": "REDRAW",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/home-loans"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "Premium Plus Package: Packaged with a range of discounts and benefits available on other products including insurance discounts and fee discounts on other Newcastle Permanent loan products.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/home-loans"
      },
      {
        "featureType": "OFFSET",
        "additionalInfo": "100% Offset account available. ",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/home-loans"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.90",
        "additionalInfo": "Maximum LVR for Interest Only loans."
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00",
        "additionalInfo": "Note that the credit limit we give you will depend on your ability to meet your repayments."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Must live in Australia and be either: an Australian citizen, an Australian permanent resident or a New Zealand citizen"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Credit Approval. Applications for home loans are subject to the Bank's normal credit approval."
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "fees": [
      {
        "name": "Default Administration Fee 1",
        "feeType": "LATE_PAYMENT",
        "currency": "AUD",
        "additionalInfo": "Where one payment or less is in arrears at the end of the month.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/mortgage-fact-sheet",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "35.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Consent Fee",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalInfo": "Payable whenever we agree to a change relating to the title of the property.",
        "fixedAmount": {
          "amount": "200.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Title Search Fee",
        "feeType": "UPFRONT",
        "currency": "AUD",
        "additionalInfo": "This comprises our external searcher’s fee and the Land and Property Information fees. (If the security involves a Community Scheme, or is outside New South Wales, or is old system title, this fee is unascertainable and may be higher. We may charge you what our solicitors or agents charge us to perform this search).",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "75.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Substitution in Security Fee",
        "feeType": "VARIATION",
        "currency": "AUD",
        "additionalInfo": "Payable when the Security listed on a mortgage is changed. You may also be charged a valuation fee which is unascertainable.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/mortgage-fact-sheet",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "350.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Settlement Reschedule Fee",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalInfo": "Payable to us when your discharge settlement is cancelled and/or rescheduled. This fee is payable in either cash or cheque at the time of settlement.",
        "fixedAmount": {
          "amount": "85.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Default Administration Fee 2",
        "feeType": "LATE_PAYMENT",
        "currency": "AUD",
        "additionalInfo": "Where more than one repayment is in default (the fee will be charged the month the payment is due and each later month until the month after you pay the amount). ",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/mortgage-fact-sheet",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "50.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Discharge Administration Fee",
        "feeType": "EXIT",
        "currency": "AUD",
        "additionalInfo": "Payable whenever we arrange for a discharge of mortgage. There may also be fees charged by a third party.",
        "fixedAmount": {
          "amount": "250.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Conversion Fee",
        "feeType": "VARIATION",
        "currency": "AUD",
        "additionalInfo": "May be payable when converting loan product type.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/mortgage-fact-sheet",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "350.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "International Transfer Inward",
        "feeType": "DEPOSIT",
        "currency": "AUD",
        "additionalInfo": "Fee applies for the conversion of international transfers in a foreign currency to Australian dollars.",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "12.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Settlement Cheque Fee NPBS Cheque only",
        "feeType": "WITHDRAWAL",
        "currency": "AUD",
        "additionalInfo": "Payable to us when we are required to issue Financial Institution Cheques for settlement. Financial Institution Cheque means a cheque which is issued by us and drawn on us. Where the settlement cheque is drawn by a third party, the fee charged to us by the third party will be passed on to you. The amount of these third party fees may vary and are unascertainable as at the date of these terms and conditions.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/mortgage-fact-sheet",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "5.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Dishonour (Direct Debit and Cheque)",
        "feeType": "DISHONOUR",
        "currency": "AUD",
        "additionalInfo": "If you ask us to take a payment, either direct debit or salary deduction and you do not have enough funds in your account to cover this payment, you will be charged a fee.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/mortgage-fact-sheet",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "9.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Document and Miscellaneous Service",
        "feeType": "ENQUIRY",
        "currency": "AUD",
        "additionalInfo": "Fee applies if you request copies of documents such as withdrawal slips or statements, you ask us to verify a transaction on your account or you request any other information. It is calculated on an hourly basis, and charged to your account on a pro-rata basis (subject to minimum charges applying) after the search is undertaken. $60/hour (min $10/copy).",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "variable": {},
        "feeMethodUType": "variable",
        "discounts": []
      },
      {
        "name": "Premium Plus Administration Fee ",
        "feeType": "PERIODIC",
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Annual package fee for Premium Plus Home Loan Package loans.",
        "fixedAmount": {
          "amount": "395.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      },
      {
        "name": "Electronic Transfer Fee",
        "feeType": "WITHDRAWAL",
        "currency": "AUD",
        "additionalInfo": "Payable to us when we are required to electronically transfer money for settlement.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/mortgage-fact-sheet",
        "feeCap": "0.0000",
        "feeCapPeriod": "",
        "fixedAmount": {
          "amount": "30.00"
        },
        "feeMethodUType": "fixedAmount",
        "discounts": []
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0744000000",
        "comparisonRate": "0.0769000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "applicationType": "PERIODIC",
        "additionalInfo": "Premium Plus Package Special Discount 2 available for loans $150k+, with LVR above 80%",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates/",
        "applicabilityConditions": [],
        "tiers": [
          {
            "name": "Discount 2 Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          },
          {
            "name": "Discount 2 LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.80000",
            "maximumValue": "0.90000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0658000000",
        "comparisonRate": "0.0676000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "applicationType": "PERIODIC",
        "additionalInfo": "Premium Plus Package Special Discount 1 available for loans $150k+, with LVR of 80% or less",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates/",
        "applicabilityConditions": [],
        "tiers": [
          {
            "name": "Discount 1 Balance",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          },
          {
            "name": "Discount 1 LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.00000",
            "maximumValue": "0.80000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0861000000",
        "comparisonRate": "0.0866000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "applicationType": "PERIODIC",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/home-loan-interest-rates",
        "applicabilityConditions": [],
        "tiers": [
          {
            "name": "Premium Plus Package Variable Rate Home Loan",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ]
      }
    ],
    "isTailored": false
  }
}