Welcome to your Weekly Low Rates Roundup with Aussie, where we cut through the noise and get straight to what matters: securing you a great home loan deal. Weekly, our team does the legwork to find the sharpest interest rates in the market.
With the rising cost of living and mortgage repayments pinching harder than ever, staying informed has never been more important. That’s where we come in.
We’re for buyers, full stop. While much of the real estate world might favour property owners looking to sell, at Aussie, we’ve got your back if you want to purchase, invest, or simply find a better deal for your home loan.
It’s no fluff or BS, just facts, figures, and a genuine desire to help you chase your homeownership goals.
This week’s lowest rates
Here’s a quick snapshot of this week’s standout offers. Remember, these are generally available rates, but individual circumstances (like credit history, property location, and loan-to-value ratio) can influence the deal you ultimately secure.
Here’s a table summarising our pick for this week’s lowest-rate loan products:
Loan product | Interest rate* | Comparison rate** |
|---|---|---|
Newcastle Permanent Basic Real Deal (P&I – Owner-Occupied – Variable) | 5.49% p.a.* | 5.53% p.a.** |
Newcastle Permanent Premium Plus Package (P&I – Owner-Occupied – Fixed) | 2-year fixed rate: 5.44% p.a.* 3-year fixed rate: 5.59% p.a.* | 2-year fixed rate: 7.26% p.a.** 3-year fixed rate: 7.14% p.a.** |
HSBC Package (P&I – Owner-Occupied – Fixed) | 5-year fixed rate: 5.84% p.a.* | 5-year fixed rate: 6.16% p.a.** |
Newcastle Permanent Premium Plus (P&I – Owner-Occupied – Construction – Fixed) | 2-year fixed rate: 5.44% p.a.* | 2-year fixed rate: 7.26% p.a.** |
HSBC Package (P&I – Investment – Variable) | 5.64% p.a.* | N/A |
Newcastle Permanent Basic Real Deal
(P&I – Owner-Occupied – Variable)
Newcastle Permanent’s Basic Real Deal appears this week as a competitive, no-frills option for borrowers prioritising a sharp variable rate over bundled package features. This loan is designed for owner-occupiers making principal and interest repayments who prefer a simple structure focused on core lending functionality. Here are its key features:
Variable interest rate:
Initial rate: 5.49% p.a.* (comparison rate: 5.53% p.a.)**
Principal and interest repayments: Gradually reduce the loan balance over time.
Variable rate structure: Rates may rise or fall in line with market conditions.
Basic loan format: Focused on keeping costs lower rather than including premium package benefits.
Minimum loan amount: $150,000
This product does not include bundled extras such as multiple offset accounts or premium package inclusions.
Newcastle Permanent Premium Plus Package
(P&I – Owner-Occupied – Fixed)
Looking for repayment certainty across different timeframes? Newcastle Permanent’s Premium Plus Package offers a range of fixed-rate options for owner-occupiers who want predictable repayments, with the flexibility to choose how long they lock in. Its key features include:
Fixed interest rate options:
2-year fixed rate: 5.44% p.a.* (comparison rate: 7.26% p.a.)**
3-year fixed rate: 5.59% p.a.* (comparison rate: 7.14% p.a.)**
Repayment certainty: Rates and repayments remain fixed for the chosen term, supporting short, medium or longer-term budgeting.
Principal and interest repayments: Gradually reduce your loan balance over time.
Package loan structure: Access to the Premium Plus Package, which may include bundled features and benefits (terms apply).
Owner-occupied loans only
Minimum loan amount: $150,000
Newcastle Permanent’s Premium Plus Package may suit owner-occupiers who want to lock in a fixed rate while choosing a term that aligns with their plans, whether that’s reassessing in two years or prioritising longer-term certainty.
HSBC Package
(P&I – Owner-Occupied – Fixed)
HSBC’s Package offers longer-term repayment certainty for borrowers who want stability over the medium term. Locking in a rate for five years means repayments remain consistent throughout the fixed period, which may assist with structured budgeting.
Here are its key features:
5-year fixed interest rate:
Initial rate: 5.84% p.a.* (comparison rate: 6.16% p.a.)**
Principal and interest repayments: Gradually reduce your loan balance over time.
Fixed repayment structure: Repayments remain stable for the five-year term.
Package loan structure: May include bundled features and benefits (terms apply).
Minimum loan amount: $150,000
As with most fixed loans, break costs can apply if you refinance, sell or make significant changes during the fixed period.
Newcastle Permanent Premium Plus Package
(P&I – Owner-Occupied – Construction – Fixed)
New to this week’s list is Newcastle Permanent’s Premium Plus Package offering repayment certainty for borrowers building or renovating. Construction loans typically involve staged drawdowns and progress payments. Fixing the rate for two years may assist with budgeting clarity during the build phase. Its key features include:
2-year fixed interest rate:
Initial rate: 5.44% p.a.* (comparison rate: 7.26% p.a.)**
Construction lending structure: Supports progress payments throughout the build.
Principal and interest repayments: Reduces the loan balance over time.
Package loan structure: May include bundled features and benefits (terms apply).
Minimum loan amount: $150,000
As with most fixed-rate loans, break costs may apply if you refinance or make significant changes during the fixed period.
HSBC Package
(P&I – Investment – Variable)
For investors, HSBC’s Package joins this week’s update as a competitive variable-rate option. With principal and interest repayments and a package structure, this loan may suit investors focused on managing interest costs while steadily reducing investment debt.
Here are its key features:
Variable interest rate:
Initial rate: 5.64% p.a.* (Comparison rate not available)
Principal and interest repayments: Supports the gradual reduction of the investment loan balance.
Variable rate structure: Rates may move up or down over time.
Package format: May include bundled features (terms apply).
Minimum loan amount: $150,000
Investors seeking interest-only terms or more complex structuring may wish to compare alternative options.
Let Aussie help with your loan application
Getting a home loan with a low interest rate can improve your long-term financial stability. Stay informed about the latest rates and review your options regularly to ensure you get the right deal for you.
If you're considering refinancing or taking out a new loan, book a free^ appointment with our Aussie brokers to help guide you through the process and secure the most competitive rate for your needs.
With the right loan, you can save money and achieve your homeownership goals sooner.
Stay in the know
Bookmark this page: We update these rates monthly, so you always have the freshest deals at your fingertips. Come back each month to stay in the loop.
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Talk to Aussie: See a rate that catches your eye? Get in touch, and our brokers will guide you through the next steps, tailoring the right home loan product to your situation.
How Aussie has your back
At Aussie, we compare 25+ lenders, assess your unique circumstances, and stay on top of government concessions, grants, and local and national property trends. Our service is free^, so you get expert insights without the extra costs.
Everyone’s journey is different. Some people are stepping onto the property ladder for the first time, while others are upsizing, downsizing, or investing. Wherever you are, we’ll help you secure a loan that supports your goals and keeps your finances on track.
The next step: Talk to an Aussie Broker
Ready to see if one of these loans is the perfect fit? Book a free^ appointment with an Aussie Broker. We’ll cut through the noise, ask the right questions, and give you the facts so you can make a confident decision.
With the right loan, you could save big and reach your homeownership or investment goals sooner than you think.