Premium Plus Package Fixed Rate Home Loan Investment Principal and Interest
A fixed rate package home loan with many additional perks like redraw and discounts on other products
- From (investment)
- 6.39%
- 8.1% 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 | 6.39% | 8.1% | 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 | 6.39% | 8.27% | LVR 80% and below |
| Fixed · 2 years Reverts to Premium Plus Package Investment Tier 4 variable interest rate at the end of the Fixed Rate period | 6.49% | 8.12% | 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 | 6.49% | 7.97% | 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 |
Fees
| Fee | Type | Amount |
|---|---|---|
| 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 |
| 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 |
| 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 |
| 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). |
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
- Credit Approval. Applications for home loans are subject to the Bank's normal credit approval.
- Minimum age — 18 years
- Residency status — Must live in Australia and be either: an Australian citizen, an Australian permanent resident or a New Zealand citizen
- Individuals only
Constraints
- Minimum limit — $5,000.00Note that the credit limit we give you will depend on your ability to meet your repayments.
- Maximum LVR — 95%Maximum LVR for Principal and Interest loans.
More Information
Published by Newcastle Permanent Building Society under the Consumer Data Right · Last updated 24 June 2026 · Product ID HL_premiumplusfixedinvPI · View on CDR.gov.au