---
title: "Bridging Loan — Newcastle Permanent Building Society"
description: "Home Loans from Newcastle Permanent Building Society. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/newcastle-permanent-building-society/products/HL_Bridging
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-25T00:00:00+10:00
---

# Bridging Loan — Newcastle Permanent Building Society

> Home Loans from Newcastle Permanent Building Society. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · Newcastle Permanent**

Our Bridging Loan is available to help you buy your new dream home when you haven’t already sold your existing home. It also provides a competitive fixed rate and the certainty of knowing that your rate won’t increase during the Bridging Loan period.

## At a glance

- **From (owner occupied):** 7.49% (7.53% comparison)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 1 year (Interest only repayments are deferred for up to 12 months.) | 7.49% | 7.53% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Substitution in Security Fee — Capped at $0.00 · Payable when the Security listed on a mortgage is changed. | Variation | $350.00 |
| Title Search Fee — Capped at $0.00 · 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). | Upfront | $75.00 |
| Other Fees and Charges — Capped at $0.00 · Other Fees and Charges: Including Government fees and Charges, Legal Fees, Lender's Mortgage Insurance. | Other | Variable |
| Redraw Fee via Branch — Redraw of advance funds via a Branch. | Withdrawal | $25.00 |
| Settlement Fee — Capped at $0.00 · Payable to us when we or our agents are required to attend settlement to collect deeds or related documents or where there are any additional costs associated with settlement (for example, this may include an agents fee or  Property Exchange Australia (PEXA) fees). | Upfront | Variable |
| Electronic Transfer Fee — Capped at $0.00 · Payable to us when we are required to electronically transfer money for settlement. | Withdrawal | $30.00 |
| Financial Institution Cheque Replacement — Capped at $0.00 · Fee applies if you request us to replace a lost/stolen/destroyed financial institution cheque we have drawn on your behalf. It applies for each replacement cheque and is payable on request. | Replacement | $15.00 |
| Document and Miscellaneous Service — Capped at $0.00 · 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). | Enquiry | Variable |
| Dishonour (Direct Debit and Cheque) — Capped at $0.00 · 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. | Dishonour | $9.00 |
| International Transfer Inward — Capped at $0.00 · Fee applies for the conversion of international transfers in a foreign currency to Australian dollars. | Deposit | $12.00 |
| Settlement  Cheque Fee NPBS Cheque only — Capped at $0.00 · 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. | Withdrawal | $5.00 |
| Special Clearance on Cheque — Fee applies if you request a special clearance on a cheque deposited into your account. It is debited to your account at the time each request is made. | Event | $15.00 |
| Establishment Fee — Establishing a loan is an involved process and requires the expertise of trained staff to assess the loan application, create detailed documentation, coordinate settlement and register the mortgage. | Upfront | $595.00 |
| Discharge Administration Fee — Payable whenever we arrange for a discharge of mortgage. There may also be fees charged by a third party. | Exit | $250.00 |
| Consent Fee — Payable whenever we agree to a change relating to the title of the property. | Event | $200.00 |
| Default Administration Fee 1 — Capped at $0.00 · Where one payment or less is in arrears at the end of the month. | Late payment | $35.00 |
| Default Administration Fee 2 — Capped at $0.00 · 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). | Late payment | $50.00 |
| Settlement Reschedule Fee — 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. | Event | $85.00 |

## Features

- **Digital banking**
- **Redraw facility** (Redraw: You can redraw funds if you need them and funds can be redrawn online at any time without a fee.)
- **Flexibility: there is no need to make repayments during the 12 month Bridging Loan period.**
- **Extra repayments** (Additional repayments allowed and there are no penalties for early repayment. )

## Eligibility

- **Minimum age** — 18 years
- **Individuals only**
- **Residency status** — Must live in Australia and be either: an Australian citizen, an Australian permanent resident or a New Zealand citizen
- **Applications for finance are subject to Newcastle Permanent’s normal credit approval process. We recommended contacting us to discuss eligibility requirements as a Bridging Loan is not suitable for all customers. **

## Constraints

- **Maximum LVR** — 80% (Maximum LVR for Bridging loan purposes only.)

## More information from Newcastle Permanent Building Society

- [Overview](https://www.newcastlepermanent.com.au/personal/home-loans/bridging-loan)
- [Fees & pricing](https://www.newcastlepermanent.com.au/personal/home-loans/bridging-loan)

## Data provenance

- Published by Newcastle Permanent Building Society under the Consumer Data Right
- Product ID: `HL_Bridging`
- Last updated by the provider: 24 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/newcastle-permanent-building-society/HL_Bridging
- Provider page: https://www.cdrcompare.au/brands/newcastle-permanent-building-society
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000299

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/newcastle-permanent-building-society/products/HL_Bridging) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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