Real Options Home Loan Investment Principal and Interest
A competitive variable interest rate that has no monthly or annual account keeping fees
- From (investment)
- 8.84%
- 8.89% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 8.84% | 8.89% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| 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 |
| 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 |
| 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 |
| Consent Fee Payable whenever we agree to a change relating to the title of the property. | Event | $200.00 |
| Discharge Administration Fee |
Features
- Split Loan
- Digital banking
- Redraw facility
- 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
- 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
- Credit Approval. Applications for home loans are subject to the Bank's normal credit approval.
- 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_realoptionsinvPI · View on CDR.gov.au