Premium Plus Package Fixed Rate Home Loan Investment Interest Only
A fixed rate package home loan with many additional perks like redraw and discounts on other products
- From (investment)
- 6.49%
- 8.11% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 2 years Reverts to Premium Plus Package Investment Tier 4 variable interest rate at the end of the Fixed Rate period | 6.49% | 8.11% | LVR 80% and below |
| Fixed · 1 year Reverts to Premium Plus Package Investment Tier 4 variable interest rate at the end of the Fixed Rate period | 6.49% | 8.28% | LVR 80% and below |
| Fixed · 1 year Reverts to Premium Plus Package Investment Tier 4 variable interest rate at the end of the Fixed Rate period | 6.59% | 8.29% | LVR above 80% |
| Fixed · 2 years Reverts to Premium Plus Package Investment Tier 4 variable interest rate at the end of the Fixed Rate period | 6.59% | 8.14% | LVR above 80% |
| Fixed · 3 years Reverts to Premium Plus Package Investment Tier 4 variable interest rate at the end of the Fixed Rate period |
Fees
| Fee | Type | Amount |
|---|---|---|
| Consent Fee Payable whenever we agree to a change relating to the title of the property. | Event | $200.00 |
| 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 |
| 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 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 |
| Conversion Fee Capped at $0.00 · May be payable when converting loan product type. | Variation | $350.00 |
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 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.
- 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.
- 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
- Credit Approval. Applications for home loans are subject to the Bank's normal credit approval.
- Residency status — Must live in Australia and be either: an Australian citizen, an Australian permanent resident or a New Zealand citizen
- Individuals only
- Minimum age — 18 years
Constraints
- Maximum LVR — 90%Maximum LVR for Interest Only 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_premiumplusfixedinvIO · View on CDR.gov.au · View Source Data (JSON)