Premium Plus Package Variable Home Loan Principal and Interest
A variable rate package home loan with fee free redraw and a 100% offset account
- From (owner occupied)
- 6.14%
- 6.48% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Premium Plus Package Special Discount 1 available for loans $150k+, with LVR of 80% or less | 6.14% | 6.48% | Discount 1 LVRDiscount 1 Balance |
| Variable Premium Plus Package Special Discount 2 available for loans $150k+, with LVR above 80% | 7.1% | 7.43% | Discount 2 BalanceDiscount 2 LVR |
| Variable | 7.82% | 8.14% | Premium Plus Package Variable Rate Home Loan $50,000+ |
Fees
| Fee | Type | Amount |
|---|---|---|
| Conversion Fee Capped at $0.00 · May be payable when converting loan product type. | Variation | $350.00 |
| 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 |
| 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 |
| 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 |
| Electronic Transfer Fee Capped at $0.00 · Payable to us when we are required to electronically transfer money for settlement. | Withdrawal | $30.00 |
| Default Administration Fee 1 Capped at $0.00 · Where one payment or less is in arrears at the end of the month. | Late payment |
Features
- Split Loan
- Cashback offer — 2500.00 - 3000.00
- Online Cashback Offer available on eligible purchased and refinanced loans for applications submitted through our online application channel. See Offer terms and conditions for details.
- Digital banking
- Extra repayments
- You can make regular additional repayments and extra lump sum payments.
- Offset account
- 100% Offset account available.
- Redraw facility
- Discounts on other products — Premium Plus Package: Packaged with a range of discounts and benefits available on other products including insurance discounts and fee discounts on other Newcastle Permanent loan products.
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_premiumplusPI · View on CDR.gov.au · View Source Data (JSON)