Premium Plus Package Fixed Rate Home Loan Principal and Interest
A fixed rate package home loan with many additional perks like redraw and discounts on other products
- From (owner occupied)
- 6.29%
- 7.97% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year Reverts to Premium Plus Package Tier 4 variable interest rate at the end of the Fixed Rate period | 6.29% | 7.97% | LVR 80% and below |
| Fixed · 2 years Reverts to Premium Plus Package Tier 4 variable interest rate at the end of the Fixed Rate period | 6.29% | 7.82% | LVR 80% and below |
| Fixed · 1 year Reverts to Premium Plus Package Tier 4 variable interest rate at the end of the Fixed Rate period | 6.39% | 7.98% | LVR above 80% |
| Fixed · 3 years Reverts to Premium Plus Package Tier 4 variable interest rate at the end of the Fixed Rate period | 6.39% | 7.71% | LVR 80% and below |
| Fixed · 2 years Reverts to Premium Plus Package Tier 4 variable interest rate at the end of the Fixed Rate period |
Fees
| Fee | Type | Amount |
|---|---|---|
| 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 |
| 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 |
| 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 |
| 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 |
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
- Additional Repayments allowed up to $25000 p.a.
- 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.
- Redraw facility
- Redraw allowed, minimum withdrawal $500. Maximum amount of redraw limited to $25,000 per calendar year.
- 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.
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
- 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_premiumplusfixedPI · View on CDR.gov.au