Real Deal Home Loan Investment Principal and Interest
One of our best rates, includes redraw and allows additional repayments
- 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 LVRReal 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 LVRReal Deal Special 2 Balance |
| Variable | 8.44% | 8.49% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| 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 |
| 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 |
| 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 |
| 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 |
| Application Fee Capped at $0.00 · Payable to us when increasing borrowing against an existing security. Also known as a loan top-up. | Upfront |
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
- 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_realdealinvPI · View on CDR.gov.au