---
title: "Fixed Rate Home Loan Investment Principal and Interest — 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_fixedinvPI
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-25T00:00:00+10:00
---

# Fixed Rate Home Loan Investment Principal and Interest — 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**

Lock in your repayments with a fixed rate, with options up to 5 years.

## At a glance

- **From (investment):** 6.49% (8.38% comparison)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| 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 · 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.) | 6.59% | 8.4% | LVR above 80% |
| 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 · 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 · 5 years (Reverts to the Real Options Investment Home Loan at the end of the Fixed Rate period.) | 6.69% | 7.9% | LVR 80% and below |
| Fixed · 4 years (Reverts to the Real Options Investment Home Loan at the end of the Fixed Rate period.) | 6.69% | 8.05% | LVR 80% and below |
| Fixed · 3 years (Reverts to the Real Options Investment Home Loan at the end of the Fixed Rate period.) | 6.69% | 8.23% | LVR above 80% |
| Fixed · 4 years (Reverts to the Real Options Investment Home Loan at the end of the Fixed Rate period.) | 6.79% | 8.09% | LVR above 80% |
| Fixed · 5 years (Reverts to the Real Options Investment Home Loan at the end of the Fixed Rate period.) | 6.79% | 7.94% | LVR above 80% |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| 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 |
| Conversion Fee — Capped at $0.00 · May be payable when converting loan product type. | Variation | $350.00 |
| Application Fee — Capped at $0.00 · Payable to us when increasing borrowing against an existing security. Also known as a loan top-up. | Upfront | $350.00 |
| Electronic Transfer Fee — Capped at $0.00 · Payable to us when we are required to electronically transfer money for settlement. | Withdrawal | $30.00 |
| Substitution in Security Fee — Capped at $0.00 · Payable when the Security listed on a mortgage is changed. You may also be charged a valuation fee which is unascertainable. | Variation | $350.00 |
| 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 |
| 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 |
| 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 |
| 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 |
| Redraw Fee via Branch — Redraw of advance funds via a Branch. | Withdrawal | $25.00 |
| Rate Lock Fee — Capped at $0.00 · This fee is charged for each loan account for which you've opted to lock in a rate, and for each instance of locking in a rate. We charge the Rate Lock Fee to your loan account on the day the loan is funded. Refer to ‘Facts for Mortgage Loans’ for more information. | Upfront | $750.00 |
| 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 |
| Consent Fee — Payable whenever we agree to a change relating to the title of the property or when we are required to produce a document to a title office, or consent to an action on PEXA (or any other property exchange system). | 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 |
| 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 |
| 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 |
| 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 |

## 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** — $5,000.00 (Note that the credit limit we give you will depend on your ability to meet your repayments.)

## More information from Newcastle Permanent Building Society

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

## Data provenance

- Published by Newcastle Permanent Building Society under the Consumer Data Right
- Product ID: `HL_fixedinvPI`
- Last updated by the provider: 24 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/newcastle-permanent-building-society/HL_fixedinvPI
- 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_fixedinvPI) — 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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