Owner Occupier Fixed Rate Special: 3.64%p.a. (CR 4.83%p.a.) & $1000 Cashback!

For a limited time only let Naritas help you make the switch to Newcastle Permanent 

Make the switch to Newcastle Permanent using Naritas and you could get a great rate on your mortgage & cashback at settlement!

  • $1000 cashback on new purchase finance and refinances, minimum loan size $400,000.^ This offer is for owner occupied home loans only.

Premium Plus Package Home Loan:

  • 1 year fixed: 3.64% p.a.* CR 4.95%p.a.†
  • 2 year fixed: 3.64% p.a.* CR 4.83%p.a.†
  • 3 year fixed: 3.74% p.a.* CR 4.74%p.a.†
  • 5 year fixed: 4.29% p.a.* CR 4.83%p.a.†
  • Variable: 3.84% p.a.* CR 4.22%p.a.†

Fees & Charges

  • Annual Fee: $395 per annum (nil for fixed rate loans).
  • Establishment fee:  Nil.
  • Monthly Fee: Nil.
  • First standard valuation fee: Nil (subsequent valuations will be quoted ad hoc).
  • Discharge Fee: $300.
  • Rate lock: Nil (issued automatically upon conditional approval & valid for 60 days).

See how much you could save when you switch to this multi-award winning lender.

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:

  1. More than 10% equity.
  2. Minimum home loan of $150,000.
  3. Owner Occupier borrowing purpose.
  4. P&I repayment structure.
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 $395p.a. fee delivers free ATM transactions via Westpac ATMs


To make an enquiry,  please 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 22 May 2017 and closes 22 July 2017 (“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 owner occupied home loans settled during the Offer Period subject to conditions 5 to 14 below.
  5. A borrower must refinance or purchase using Naritas  to arrange a Newcastle Permanent Building Society (NPBS) Premium Plus Package Home Loan or Premium Plus Package Credit Facility 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 $1,000 where the total loan financed, either jointly or individually with NPBS is $400,000 or more.
  7. The initial loan application must be received during the Offer Period.
  8. The approved loan must be funded by 31 August 2017.
  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 Cashback Payment will be deposited to the loan account for the refinanced loan after the settlement date. 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. Participation in the Cashback Offer is deemed acceptance of these terms.

*Special Discounted Rate applies to minimum loan size of $150,000 or Loan to Value Ratio under 95% (more than 5% equity). 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