Business Loan Fixed Rate Principal and Interest
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.
- From
- 6.5%
- Fixed
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 2 years Base rate only, an additional margin is applied for security type (cash, residential and commercial) and the applicants credit risk. | 6.5% | — | — |
| Fixed · 3 years Base rate only, an additional margin is applied for security type (cash, residential and commercial) and the applicants credit risk. | 6.6% | — | — |
| Fixed · 1 year Base rate only, an additional margin is applied for security type (cash, residential and commercial) and the applicants credit risk. | 6.71% | — | — |
| Fixed · 4 years Base rate only, an additional margin is applied for security type (cash, residential and commercial) and the applicants credit risk. | 6.8% | — | — |
| Fixed · 5 years Base rate only, an additional margin is applied for security type (cash, residential and commercial) and the applicants credit risk. | 6.8% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Interest Rate Conversion Fee Capped at $0.00 · Fee is payable for interest rate maintenance/conversion with a Letter of Variation or Letter of Advice. | Variation | $250.00 |
| Partial Release and Discharge of Security Fee Payable whenever we arrange for a Partial Release or Discharge of Security. | Exit | $250.00 |
| Upfront Legal & Document Fees Capped at $0.00 · 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. | Upfront | Variable |
| Registration Fee Capped at $0.00 · 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). | Upfront | Variable |
| Consent and Execution of Leases, Plans of Subdivision etc. Consent and Execution of Leases, Plans of Subdivision etc. | Event | $150.00 |
| Application Fee Also known as establishment fee and payable when you accept the commercial letter of offer. (Does not apply to Residentially Secured Business Loan). |
Features
- Extra repayments
- 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.
- 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.
- Relationship management
- Eligible customers enjoy dedicated and personalised service from the Business Solutions team.
- Digital banking
- Internet Banking and Mobile Banking.
Eligibility
- Minimum age — 18 years
- Residency status — Available to permanent Australian Residents.
- Business customersAvailable for business purposes for individual and non-individual borrowers, including sole traders, and companies.
More Information
Published by Newcastle Permanent Building Society under the Consumer Data Right · Last updated 24 June 2026 · Product ID BL_busfixedPI · View on CDR.gov.au · View Source Data (JSON)