Fixed Rate Home Loan Principal and Interest
Lock in your repayments with a fixed rate, with options up to 5 years
- From (owner occupied)
- 6.39%
- 8.31% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year Reverts to the Real Options Home Loan at the end of the Fixed Rate period. | 6.39% | 8.31% | LVR 80% and below |
| Fixed · 2 years Reverts to the Real Options Home Loan at the end of the Fixed Rate period. | 6.39% | 8.1% | LVR 80% and below |
| Fixed · 2 years Reverts to the Real Options Home Loan at the end of the Fixed Rate period. | 6.49% | 8.12% | LVR above 80% |
| Fixed · 1 year Reverts to the Real Options Home Loan at the end of the Fixed Rate period. | 6.49% | 8.32% | LVR above 80% |
| Fixed · 3 years Reverts to the Real Options Home Loan at the end of the Fixed Rate period. | 6.49% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Consent Fee Payable whenever we agree to a change relating to the title of the property. | Event | $200.00 |
| 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 |
| Break Costs Fixed Rate Loans Capped at $0.00 · Are payable when before the end of the fixed rate period the borrower “breaks” the fixed rate by: repaying all of the amount owing; or repaying early more than $25,000 during any calendar year; or switching to another product, interest rate or payment type; or are in default and the total amount owing becomes immediately due for payment. | Exit | Variable |
| 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 |
| Document and Miscellaneous Service |
Features
- Split Loan
- Extra repayments
- You can make regular additional and extra lump sum repayments up to $25,000 per year. Break costs may apply if you make additional repayments of more than $25,000. See the Break Costs and Fixed Interest Guide for more info.
- Digital banking
- Our Rate Lock option enables you to lock in our current advertised interest rate for your selected fixed rate home loan product, giving you certainty for up to 90 days against potential interest rate increases. A non-refundable fee applies for selecting this option.
- Additional Repayments allowed up to $25000 p.a.
Eligibility
- Minimum age — 18 years
- Residency status — Must live in Australia and be either: an Australian citizen, an Australian permanent resident or a New Zealand citizen
- Individuals only
- Credit Approval. Applications for home loans are subject to the Bank's normal credit approval.
Constraints
- Maximum LVR — 95%Maximum LVR for Principal and Interest loans.
- Minimum limit — $5,000.00Note that the credit limit we give you will depend on your ability to meet your repayments.
More Information
Published by Newcastle Permanent Building Society under the Consumer Data Right · Last updated 24 June 2026 · Product ID HL_fixedPI · View on CDR.gov.au