Real Options Home Loan Principal and Interest
A competitive variable interest rate that has no monthly or annual account keeping fees
- From (owner occupied)
- 8.5%
- 8.55% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 8.5% | 8.55% | — |
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 |
| 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 |
| Conversion Fee Capped at $0.00 · May be payable when converting loan product type. | Variation | $350.00 |
| Redraw Fee via Branch Redraw of advance funds via a Branch. | Withdrawal | $25.00 |
| 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 |
| Consent Fee Payable whenever we agree to a change relating to the title of the property. |
Features
- Split Loan
- Redraw facility
- Digital banking
- Extra repayments
- You can make regular additional repayments and extra lump sum payments.
- 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.
Eligibility
- Individuals only
- 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
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_realoptionsPI · View on CDR.gov.au