Fixed Rate Home Loan Investment Principal and Interest
Lock in your repayments with a fixed rate, with options up to 5 years
- From (investment)
- 6.49%
- 8.62% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year Reverts to the Real Options Investment Home Loan at the end of the Fixed Rate period. | 6.49% | 8.62% | LVR 80% and below |
| Fixed · 2 years Reverts to the Real Options Investment Home Loan at the end of the Fixed Rate period. | 6.49% | 8.38% | LVR 80% and below |
| Fixed · 3 years Reverts to the Real Options Investment Home Loan at the end of the Fixed Rate period. | 6.59% | 8.2% | LVR 80% and below |
| Fixed · 1 year Reverts to the Real Options Investment Home Loan at the end of the Fixed Rate period. | 6.59% | 8.63% | LVR above 80% |
| Fixed · 2 years Reverts to the Real Options Investment Home Loan at the end of the Fixed Rate period. |
Fees
| Fee | Type | Amount |
|---|---|---|
| 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 |
| 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 |
| 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 |
| 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. |
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
- Residency status — Must live in Australia and be either: an Australian citizen, an Australian permanent resident or a New Zealand citizen
- Credit Approval. Applications for home loans are subject to the Bank's normal credit approval.
- Individuals only
- Minimum age — 18 years
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_fixedinvPI · View on CDR.gov.au · View Source Data (JSON)