Premium Plus Package Variable Home Loan Investment Principal and Interest
A variable rate package home loan with redraw and a 100% offset account
- From (investment)
- 6.34%
- 6.68% 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 | 6.34% | 6.68% | Discount 1 BalanceDiscount 1 LVR |
| Variable Premium Plus Package Special Discount 2 available for loans $150k+, with LVR above 80% | 7.34% | 7.66% | Discount 2 LVRDiscount 2 Balance |
| Variable | 8.16% | 8.47% | Premium Plus Package Variable Rate Home Loan $50,000+ |
Fees
| Fee | Type | Amount |
|---|---|---|
| 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 |
| 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 |
| 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 |
| 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.
- Extra repayments
- You can make regular additional repayments and extra lump sum payments.
- Digital banking
- Offset account
- 100% Offset account available.
- 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
Eligibility
- Minimum age — 18 years
- 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
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_premiumplusinvPI · View on CDR.gov.au · View Source Data (JSON)