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Newcastle Permanent Building Society · Home loans
Fixed Rate Home Loan Principal and Interest
Newcastle Permanent Building Society's Fixed Rate Home Loan Principal and Interest is a home loan. The figures are the ones Newcastle Permanent Building Society publishes under the Consumer Data Right today. The advertised rate last moved on 29 September 2026, up from 6.39% to 6.49%.
Advertised rate
6.49%
headline tier
Comparison rate
7.83%
as published
Last moved
+0.10pp
29 September 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (10)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 1 year, Owner occupier, P&I, LVR up to 80%LVR 80% and below | 6.49% | 8.19% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 80%LVR 80% and below | 6.49% | 8.00% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 80%LVR 80% and below | 6.49% | 7.83% |
| Fixed 1 year, Owner occupier, P&I, LVR 80 to 95%LVR above 80% | 6.59% | 8.20% |
| Fixed 2 years, Owner occupier, P&I, LVR 80 to 95%LVR above 80% | 6.59% | 8.02% |
| Fixed 3 years, Owner occupier, P&I, LVR 80 to 95%LVR above 80% | 6.59% | 7.86% |
| Fixed 4 years, Owner occupier, P&I, LVR up to 80%LVR 80% and below | 6.59% | 7.72% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 80%LVR 80% and below | 6.59% | 7.59% |
| Fixed 4 years, Owner occupier, P&I, LVR 80 to 95%LVR above 80% | 6.69% | 7.76% |
| Fixed 5 years, Owner occupier, P&I, LVR 80 to 90%LVR above 80% | 6.69% | 7.64% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| International Transfer Inwardper deposit: Fee applies for the conversion of international transfers in a foreign currency to Australian dollars. | $12 |
| Settlement Cheque Fee NPBS Cheque onlyper withdrawal: Payable to us when we are required to issue Financial Institution Cheques for settlement. | $5 |
| Application Feeupfront: Payable to us when increasing borrowing against an existing security. | $350 |
| Redraw Fee via Branchper withdrawal: Redraw of advance funds via a Branch. | $25 |
| Dishonour (Direct Debit and Cheque)dishonour: 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 cha | $9 |
| Consent Feewhen it happens: Payable whenever we agree to a change relating to the title of the property. | $200 |
| Rate Lock Feeupfront: This fee is charged for each loan account for which you've opted to lock in a rate, and for each instance of locking in a rate. | $750 |
| Default Administration Fee 1late payment: Where one payment or less is in arrears at the end of the month. | $35 |
| Settlement Reschedule Feewhen it happens: Payable to us when your discharge settlement is cancelled and/or rescheduled. | $85 |
| Substitution in Security Feeon variation: Payable when the Security listed on a mortgage is changed. | $350 |
| Default Administration Fee 2late payment: 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) | $50 |
| Electronic Transfer Feeper withdrawal: Payable to us when we are required to electronically transfer money for settlement. | $30 |
Other Newcastle Permanent Building Society home loans
Real Deal Home Loan Principal and Interest 6.19%Premium Plus Package Fixed Rate Home Loan Principal and Interest 6.39%Premium Plus Package Variable Home Loan Principal and Interest 6.39%Real Deal Home Loan Interest Only 6.44%Real Deal Home Loan Investment Principal and Interest 6.44%Premium Plus Package Fixed Rate Home Loan Investment Principal and Interest 6.49%Fixed Rate Home Loan Investment Principal and Interest 6.59%Premium Plus Package Fixed Rate Home Loan Investment Interest Only 6.59%Premium Plus Package Variable Home Loan Investment Principal and Interest 6.59%Fixed Rate Home Loan Investment Interest Only 6.69%Real Deal Home Loan Investment Interest Only 6.69%Premium Plus Package Fixed Rate Home Loan Interest Only 6.79%
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