Real Deal Home Loan Principal and Interest
One of our best rates, includes redraw and allows additional repayments
- From (owner occupied)
- 5.99%
- 6.03% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Real Deal Special 1 available for loans $150k+, with LVR of 80% or less | 5.99% | 6.03% | Real Deal Special 1 BalanceReal Deal Special 1 LVR |
| Variable Real Deal Special 2 available for loans $150k+, with LVR above 80% | 6.74% | 6.78% | Real Deal Special 2 BalanceReal Deal Special 2 LVR |
| Variable | 8.1% | 8.15% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| 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 |
| Conversion Fee Capped at $0.00 · May be payable when converting loan product type. | Variation | $350.00 |
| 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 |
| 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 | $350.00 |
| Redraw Fee via Branch Redraw of advance funds via a Branch. | Withdrawal | $25.00 |
| Consent Fee Payable whenever we agree to a change relating to the title of the property. | Event | $200.00 |
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.
- Extra repayments
- You can make regular additional repayments and extra lump sum payments.
- Digital banking
- This loan type is eligible to be linked to an Everyday Account known as Partial Offset. Please see the Everyday Account Product Schedule or talk to us for more information.
- Redraw facility
Eligibility
- Individuals only
- 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
Constraints
- Minimum limit — $50,000.00Note 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_realdealPI · View on CDR.gov.au