Winter Special: Rates under 3.74% (CR 4.10%p.a.) with up to $1000 cashback*

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


Establish a new mortgage or refinance your existing mortgage to Newcastle Permanent by 31/08/2016 using Naritas and you could get a great rate on your mortgage & cashback!


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Home Loan rates

The cashback payment offer

Premium Plus features

Fees & charges

How to get started


Home Loan ratesMozo_HLOTY_2016_150x150

  • Premium Plus Variable from 3.74% p.a.^ CR 4.10%† p.a.
  • 1 year fixed rates from 3.59%p.a.^ CR 4.95†p.a.
  • 2 year fixed rates from 3.64%p.a.^ CR 4.82†p.a.
  • 3 year fixed rates from 3.89%p.a.^ CR 4.84†p.a.
  • 5 year fixed rates from 4.49%p.a.^ CR 4.88†p.a.


  • Rates current as of 30/05/2016. For daily pricing updates please refer here.
  • 3.64%p.a. (CR4.00%p.a.) available on Premium Plus Variable loan for strong borrowers with a minimum loan size of $500,000 (conditions apply, max 80%LVR).
  • 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

  • If you’re borrowing $250,000-$399,999 you could get $500 cashback^ by switching to Newcastle Permanent using Naritas.
  • If you’re borrowing $400,000+ you could get $1,000 cashback^ by switching to Newcastle Permanent using Naritas.


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 &
  • Minimum home loan of $150,000


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

Fees & charges:

  • $49.50 loan establishment fee.
  • $375 Premium Plus annual package fee which provides benefits such as a 100% offset account &  Value+ 55 day interest free credit card.
  • $350 discharge cost (only payable when exiting/discharging the loan).

See how much you could save when you switch to Mozo’s Home Lender of the Year 2016.

How do I get started with a Newcastle Permanent approval from Naritas?

The team at Naritas are experts in delivering timely guidance & finance approvals.  We have over 100 lenders on our panel & a high quality team of dedicated advisers to steer you efficiently through the approval process.

To make an enquiry online with our team, 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 30 May 2016 and closes 31 August 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 Home Loan 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 $500 where as a result of a refinance under the Winter 2016 Cashback Offer, the total loan refinanced, either jointly or individually using Naritas is between $250,000 and $399,999 and $1000 when it 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 30 November 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 Cashback Payment of 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. Offer not available in conjunction with 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 $150,000 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