---
title: "Real Deal Home Loan Investment Principal and Interest — Newcastle Permanent Building Society"
description: "Home Loans from Newcastle Permanent Building Society. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/newcastle-permanent-building-society/products/HL_realdealinvPI
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-25T00:00:00+10:00
---

# Real Deal Home Loan Investment Principal and Interest — Newcastle Permanent Building Society

> Home Loans from Newcastle Permanent Building Society. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · Newcastle Permanent**

One of our best rates, includes redraw and allows additional repayments.

## At a glance

- **From (investment):** 6.19% (6.23% comparison)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Real Deal Special 1 available for loans $150k+, with LVR of 80% or less) | 6.19% | 6.23% | Real Deal Special 1 LVR; Real Deal Special 1 Balance |
| Variable (Real Deal Special 2 available for loans $150k+, with LVR above 80%) | 6.84% | 6.88% | Real Deal Special 2 Balance; Real Deal Special 2 LVR |
| Variable | 8.44% | 8.49% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Settlement Reschedule Fee — Payable to us when your discharge settlement is cancelled and/or rescheduled. This fee is payable in either cash or cheque at the time of settlement. | Event | $85.00 |
| Application Fee — Capped at $0.00 · Payable to us when increasing borrowing against an existing security. Also known as a loan top-up. | Upfront | $350.00 |
| 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 |
| 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 |
| Redraw Fee via Branch — Redraw of advance funds via a Branch. | Withdrawal | $25.00 |
| Electronic Transfer Fee — Capped at $0.00 · Payable to us when we are required to electronically transfer money for settlement. | Withdrawal | $30.00 |
| Consent Fee — Payable whenever we agree to a change relating to the title of the property. | Event | $200.00 |
| Establishment Fee — Establishing a loan is an involved process and requires the expertise of trained staff to assess the loan application, create detailed documentation, coordinate settlement and register the mortgage. | Upfront | $595.00 |
| Conversion Fee — Capped at $0.00 · May be payable when converting loan product type. | Variation | $350.00 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |

## 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

- **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
- **Minimum age** — 18 years
- **Individuals only**

## Constraints

- **Maximum LVR** — 95% (Maximum LVR for Principal and Interest loans.  )
- **Minimum limit** — $50,000.00 (Note that the credit limit we give you will depend on your ability to meet your repayments.)

## More information from Newcastle Permanent Building Society

- [Overview](https://www.newcastlepermanent.com.au/personal/home-loans/real-deal-home-loan)
- [Fees & pricing](https://www.newcastlepermanent.com.au/personal/home-loans/real-deal-home-loan)

## Data provenance

- Published by Newcastle Permanent Building Society under the Consumer Data Right
- Product ID: `HL_realdealinvPI`
- Last updated by the provider: 24 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/newcastle-permanent-building-society/HL_realdealinvPI
- Provider page: https://www.cdrcompare.au/brands/newcastle-permanent-building-society
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000299

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/newcastle-permanent-building-society/products/HL_realdealinvPI) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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