11 January 2016
Category: Latest news

Fixed rate special: 3.79%p.a. (CR n/a) & your choice of rebate!

For a limited time only let Naritas help you lock in a great rate

Take any Premium Plus Package fixed rate loan with Newcastle Permanent using Naritas and you could get a great rate on your mortgage & cashback in each year of your fixed rate loan!^

NOTE: Please click here for the latest Newcastle Permanent promotion. 

Premium Plus Package Home Loan rates:2015_HOME_LENDER_FINAL_FA

  • Variable rates from 3.99% p.a.* CR 4.35%† p.a.
  • 1 year fixed rates from 3.79%p.a. * CR NA†
  • 2 year fixed rates from 3.89%p.a.* CR NA†
  • 3 year fixed rates from 3.99%p.a.* CR NA†
  • 4 year fixed rates from 4.29%p.a.* CR NA†
  • 5 year fixed rates from 4.49%p.a.* CR NA†

NB: This offer is primarily aimed at owner occupier borrowers, however, we can often offer the same pricing and rebates to investment borrowers if the majority of their loan collateral is related to their principal place of residence (PPOR). Lender terms & conditions will apply.

The Cashback Payment offer:

The Cashback Payment is $48 at establishment plus $375 paid yearly in arrears corresponding to your loan size & the number of years the loan has been fixed at loan settlement.^

A sample of what this looks like in practice:

  • Up to $423 cashback on a minimum loan size of $250,000 when a minimum of a 1 year fixed loan is selected.
  • Up to $798 cashback on a minimum loan size of $300,000 when a minimum of a 2 year fixed loan is selected.
  • Up to $1173 cashback on a minimum loan size of $500,000 when a minimum of a 3 year fixed loan is selected.
  • Up to $1923 cashback on a minimum loan size of $700,000 when a minimum of a 5 year fixed loan is selected.
NPBS rebate matrix

Image: Matrix illustrating rebates in relation to loan size & fixed rate period.

See how much you could save when you switch to Australia’s Home Lender of the Year 2015.

Newcastle Permanent has some of the most competitive loans in the country, and you could qualify for their special packaged home loan discount rate if you have:

  • More than 10% equity, or
  • Minimum home loan of $250,000
Newcastle Permanent’s Premium Plus Package comes with a 5-star Canstar rating and a range of great features:
100% Offset Facility $0 annual Value+ Credit Card Fee
Redraw on additional repayments when you need extra cash $0 application fee for Personal and Car Loans
Discounts and benefits available on other products Free ATM transactions via Westpac ATMs

To make an enquiry, click here.

Alternatively please feel free to phone us on 1300 558 887 during business hours.


^Naritas Finance Cashback Terms & Conditions:

  1. This offer is provided by Naritas Finance Pty Ltd ABN 74 096 341 061 of Level 1, 357 Military Road, Mosman, NSW, 2088 (“Naritas”).
  2. This offer commences 11 January 2015 and closes 28 February 2016 (“Offer Period”).
  3. This offer is open to Australian residents only.
  4. A payment under the Cashback Offer (“Cashback Payment”) will be paid for residentially secured home loans settled during the Offer Period subject to conditions 5 to 15 below.
  5. A borrower must refinance or purchase using Naritas to arrange a NPBS Premium Plus Package Home Loan or Premium Plus Package Credit Facility with at least 50% of their loan being fixed to be eligible for the Cashback Offer. A borrower’s loan application in conjunction with this Cashback Offer will be subject to NPBS’s usual credit assessment and approval processes.
  6. The Cashback Payment is $48 at establishment plus $375 paid yearly in arrears corresponding to the number of years the applicant has fixed their loan for at loan settlement. The maximum cashback payment is:
    1. Up to $423 cashback on a minimum loan size of $250,000 when a minimum of a 1 year fixed loan is selected.
    2. Up to $798 cashback on a minimum loan size of $300,000 when a minimum of a 2 year fixed loan is selected.
    3. Up to $1173 cashback on a minimum loan size of $500,000 when a minimum of a 3 year fixed loan is selected.
    4. Up to $1923 cashback on a minimum loan size of $700,000 when a minimum of a 5 year fixed loan is selected. 
  7. The initial loan application must be received during the Offer Period.
  8. The approved loan must be funded by 29 March 2016.
  9. A borrower is eligible for a Cashback Payment only once during the Offer Period. Once a loan application that is eligible for a Cashback Payment is received, no further loans which include that borrower, jointly or individually will be eligible for a Cashback Payment.
  10. Fees and charges apply to loans taken out under this Cashback Offer. Refer to the Newcastle Permanent Facts for Mortgage Loans Fees and Charges brochure or the Mortgage Loan Schedule for details.
  11. The initial Cashback Payment of $48 will be deposited to the loan account for the refinanced loan after the settlement date. The annual Cashback Payment will be made in arrears. The Cashback Payment will not be made to the borrower in “cash” (i.e. notes and/or coin) or cheque.
  12. A borrower cannot transfer or assign their right to the Cashback Payment to any other person.
  13. Naritas accepts no responsibility for any tax implications that may arise from the Cashback Offer. The borrower should seek their own independent advice in this regard.
  14. Offer not available in conjunction with Refer a Contact promotion or any other Naritas promotional offer.
  15. Participation in the Cashback Offer is deemed acceptance of these terms.

*Special Discounted Rate applies to minimum loan size of $250,000 or Loan to Value Ratio under 90% (more than 10% equity) for owner occupied residentially secured home loans. Terms and conditions apply.
† 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.

Naritas Finance Pty Ltd ACN 096 341 061, Australian Credit Licence 441723