https://newcastlepermanent.com.au

Home Loans, Mortgages & Credit Cards | Newcastle PermanentNewcastle Permanent Building Society, NPBS, Newcastle PermanentNewcastle Permanent offers a range of personal & business banking products to suit your needs. We are a customer-owned Newcastle bank since 1903.Home Loans, Mortgages & Credit Cards | Newcastle Permanent Skip to content Hang up on unexpected calls claiming to be from our fraud team and contact us directly instead. More ways to keep your data safe.  Dismiss We use cookies to provide you with the best possible online experience. Read more Dismiss Newcastle Permanent Navigation Newcastle Permanent Search Search Cancel BSB 650 000 BSB 650 000 Search Locate us Contact us Log on Personal Our Products Home loans Everyday banking Saving accounts Banking for under 25s Personal and car loans Credit card Term deposit Insurance Quick links Calculators Interest Rates Resource Hub Buying a house Travel Budgeting Savings and transactions Renovating Dismiss Business Our products Everyday banking Term deposit Insurance Quick links Calculators Interest Rates Apply for a product Resource Hub Business finance Business Dismiss Tools & Services Tools & Services Digital banking Accessing your money Financial planning Mobile payments Help and support Terms and conditions Quick links Calculators Interest Rates Apply for a product Open Banking Resource Hub Budgeting Buying a house Renovating Dismiss Community Community Apply for Sponsorship Giving back to our community Cinema Under the Stars Northern NSW Football Surf Life Saving Primary maths competition News Dismiss Charitable Foundation Get up to $3,000 cashback^ When you apply for a new purchase or refinance online. Big moves deserve a big reward Apply online Find out more ^T&Cs and eligibility criteria apply. New rate. Not bad. 5.99 % P.A. Real Deal - Special 1** 6.03 % P.A. Comparison rate* Apply now Speak to a lender Min. loan $150k, LVR ≤80%. T&C's fees, charges & credit criteria apply. Don’t stay home alone! Join us for carols, activities and an outdoor screening of a holiday classic at our FREE family-friendly event. Find out more! Save your way with flexible Term Deposit options 4.75 % P.A. 6-month term with interest paid at maturity. Minimum investment of $1,000 Open online Up to $3,000 cashback^ By applying for a new purchase or refinancing with us online.  Apply online Online Cashback Offer Terms and Conditions Save money and time Get your application underway in just 15 minutes. Give paperwork the flick Less life admin means more time for the stuff that matters. Go with the pros We've got you covered every step of the way. How can we help you? Home loans Repayment calculators Everyday banking Savings accounts Personal loans Credit cards Financial planning advice Banking to suit your needs Customer Assist We are here to help with hardship and major life events. Let’s chat Talk to our friendly Hunter-based team online or over the phone. Speak to a local lender Home loans with a personal touch. Digital banking Bank from home with our app or internet banking. Wave goodbye to waiting Add your eligible Visa Debit card to the Digital Wallet and tap to pay straight away after opening a new account online. No need to wait for your physical card to arrive.        Get Apple Pay Get Google Pay Together, the Charitable Foundation and We Care Connect can help change the cycle of poverty and provide the every day essentials that families deserve. Read more Security advice Your bank will never contact you unexpectedly and request the following: • Share your password, PIN, customer number, or one-time password • Transfer money, withdraw, or deposit cash to a third party • Click a link to grant access to your computer • Send a courier or staff to pick up money, cards, or details from you. Never respond if you're contacted unexpectedly and asked for any of the above. Rather call your bank directly or visit your local branch to confirm if it's a legitimate request. Security & scam advice From our blog Cinema under the Stars Protecting your data Travel checklist Using a term deposit Impersonation scams Buying and selling scams 10 hot tips for back to school budgeting Storytelling on canvas Benefits of volunteering Scams surrounding natural disasters Making your first home a reality Growing a bargain garden Latest news View full article NGM Group 2024 Annual Report Announcing $131.1 million profit alongside record community and customer investment Read more 17 Oct 2024 View full article Carols and Christmas classic returns to Newcastle Carols and Christmas classics return to Newcastle’s King Edward park for a festive Read more 04 Nov 2024 More news Get in touch Tab Navigation Call 13 19 87 Make an enquiry Find a local branch Call 13 19 87 Make an enquiry Find a local branch Find a local branch or ATM Things can change quickly, save yourself the trip and check your local branch info or bank from the safety and comfort of your home via the app, internet banking or call our local call centre team.  Address Proximity (km) 5km 10km 25km 50km 100km 100km+ Search for ATM Branch Home Loan Specialist View results as: Map List Locate now View map Interest rates effective as of 08/11/2024 and are subject to change without prior notice. You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply. ^^ Minimum loan size $250,000 with maximum LVR 90% (more than 10% equity) available for owner occupied loans only. Applications for finance are subject to Newcastle Permanent’s normal credit approval process. Terms and conditions, fees and charges apply ***Real Deal Investment At the current time, special interest rates are available for new borrowers applying for a Real Deal Home Loan for investment purposes with principal and interest repayments with a minimum balance of $150,000. Existing Newcastle Permanent customers are also eligible to receive the special interest rates if: •They have a Real Deal Home Loan for investment purposes with principal and interest repayments and they increase it by a minimum of $150,000 in new borrowings; or •They convert an existing Newcastle Permanent loan to a Real Deal Home Loan for investment purposes with principal and interest repayments and they increase it by a minimum of $150,000 in new borrowings Converted borrowings do not constitute new borrowings. The discount is the rate that is effective at the time the loan application is received by Newcastle Permanent and is determined by reference to the applicable Loan to Valuation Ratio (LVR). Currently, the LVR requirements are as follows: •Special 1 - For loans with an LVR of less than or equal to 80%, a discount of 2.25% is deducted from the Real Deal Investment Home Loan interest rate. •Special 2 - For loans with an LVR of greater than 80%, and less than 95%, a discount of 1.60% is deducted from the Real Deal Investment Home Loan interest rate. ᴥ Standard interest is earned on your Smart Saver Account each month that it maintains a positive balance. Bonus interest is paid on each portion of your balance within each strata (tier). This means that different rates of interest apply to different parts of your account balance. To qualify for bonus interest, your closing balance must be higher than the opening balance (excluding any interest earned) and you must not have made more than two withdrawals during the calendar month. All account holders must be under 25 years of age as at the first day of that month to be eligible for a Smart Saver Under 25’s. *The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable. References to "LVR" mean Loan to Valuation Ratio which is calculated by dividing the loan amount by the value of the property (as determined by us). There may be a difference between the purchase price and the value of the property. ^Online Cashback Offer available for eligible loan application submitted via our online application channel. $2,000 cashback for loans $250-$499k or $3,000 for loans ≥$500k. 80% LVR or less. Excludes refinances from Greater Bank, part of NGM Group. If eligible, cashback payment will be made within 60 days of the loan settlement date (loan must still be open at time of payment). Only one (1) cashback payment per eligible loan and for first eligible loan only. Not available where any loan cashback has been paid within the past 12-months, or in conjunction with any other promotional payment. Offer may be varied or withdrawn at any time. Offer may be varied or withdrawn at any time. See the full Online Cashback Offer Terms and Conditions Apple Pay Terms of Use. Apple, the Apple logo, Apple Pay, Apple Wallet, Face ID, Touch ID, Touch Bar, Safari, Apple Watch, iPad, iPhone, iTunes and Mac are trademarks of Apple Inc., registered in the U.S. and other countries and regions. ^^^For a list of compatible Apple Pay devices, see https://support.apple.com/en-au/HT208531  Google Pay Terms of Use. Google, Google Pay and the Google Play logo are trademarks of Google LLC. Cashcards and Business+ Credit Cards are not eligible. Our BSB 650 000 About Us Media Centre Contact Us Hardship Careers Home loans Interest rates Calculators Connect with us Facebook LinkedIn Instagram Download our app Download on the app store Get it on google play Security Advice Privacy Policy Terms of Use Sitemap ©Newcastle Permanent, part of Newcastle Greater Mutual Group Ltd ACN 087 651 992 Australian Financial Services Licence/Australian credit licence 238273 General Advice Warning: Any general advice on this website (including via webchat) has been prepared without taking into account your objectives, financial situation or needs. Therefore, before acting on the advice, you should consider its appropriateness (having regard to your personal circumstances). Before deciding to acquire a financial product from us, you should also consider the relevant Terms and Conditions or Product Disclosure Statement.     Acknowledgement of Country We acknowledge the Traditional Custodians of the lands, waterways and skies across Australia. We pay our respects to Elders past, present and emerging.  First nations peoples are respectfully advised this website may contain images, names or stories of people who have passed away. Read our Reconciliation Action Plan here. Taken from 'Reconcile Connection', an artwork commissioned by NGM Group created by Bundjalung woman Tywana Caldwellenen1731026688https://newcastlepermanent.com.au

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