Weekly low-rate home loan update: Aussie reviews generally available home loan rates from our panel lenders each week to highlight competitive variable and fixed options for owner-occupiers, construction borrowers and investors.
Lowest owner-occupied variable rate this week from our panel lender: Newcastle Permanent Basic Real Deal Home Loan from 5.74% p.a. (comparison rate 5.78% p.a.)* for principal and interest repayments.
Fixed-rate options from our panel lender for repayment certainty: Newcastle Permanent’s Premium Plus Package offers 2-, 3- and 5-year fixed terms, allowing borrowers to align their fixed period with short-, medium- or longer-term plans.
Construction lending option from our panel lender included: Newcastle Permanent Basic Real Deal Home Loan supports staged progress payments with a variable-rate structure for building or renovating.
Compare loans before applying: An Aussie Broker can compare options from 25+ lenders and help determine whether refinancing, fixing or switching loans suits your circumstances.
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 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.
Loan product | Interest rate* | Comparison rate** |
|---|---|---|
Newcastle Permanent: Basic Real Deal Home Loan (Owner-Occupied – Variable) | 5.74% p.a.* | 5.78% p.a.** |
Newcastle Permanent: The Premium Plus Package Fixed Rate Home Loan (P&I – Owner-Occupied – Fixed) | 2-year fixed rate: 5.79% p.a.* 3-year fixed rate: 5.94% p.a.* 5-year fixed rate: 6.14% p.a.* | 2-year fixed rate: 7.52% p.a.** 3-year fixed rate: 7.41% p.a.** 5-year fixed rate: 7.25% p.a.** |
Newcastle Permanent: Basic Real Deal Home Loan (Owner-Occupied – Variable – Construction) | 5.74% p.a.* | 5.78% p.a.** |
Newcastle Permanent: Basic Real Deal Home Loan (Investment – Variable) | 5.94% p.a.* | 5.98% p.a.** |
Newcastle Permanent: Basic Real Deal Home Loan
(Owner-Occupied – Variable)
If you’re looking for a simple, low-cost home loan, Newcastle Permanent’s Basic Real Deal Home Loan may suit owner-occupiers who want a competitive variable rate without paying for extra features. Here are some of its key features:
Low variable interest rate:
Initial rate: 5.74% p.a.* (comparison rate: 5.78% p.a.)**
Principal and interest repayments: Help reduce your loan balance over time.
Variable rate structure: Rates may rise or fall with market conditions.
No-frills structure: Focused on core features rather than package inclusions.
Minimum loan amount: $150,000
If you’re looking for features like offset accounts or bundled benefits, you may need to compare other options.
Newcastle Permanent: The Premium Plus Package Fixed Rate Home Loan
(P&I – Owner-Occupied – Fixed)
The Premium Plus Package Fixed Rate Home Loan from Newcastle Permanent appears this week as a short-term fixed-rate option for borrowers seeking repayment certainty.
Here are some of its key features:
Fixed interest rate options:
2-year fixed rate: 5.79% p.a.* (comparison rate: 7.52% p.a.)**
3-year fixed rate: 5.94% p.a.* (comparison rate: 7.41% p.a.)**
5-year fixed rate: 6.14% p.a.* (comparison rate: 7.25% p.a.)**
Fixed repayment certainty: Repayments remain stable during the fixed period.
Principal and interest repayments: Gradually reduce your loan balance
Package loan structure: May include bundled features and benefits (terms apply).
Minimum loan amount: $150,000
Break costs may apply if the loan is refinanced or repaid early during the fixed term.
Newcastle Permanent: Basic Real Deal Home Loan
(Owner-Occupied – Variable – Construction)
Building or renovating? The Basic Real Deal Home Loan (Construction) offers a variable-rate structure to support staged payments during construction. Here are some of its key features:
Variable interest rate:
Initial rate: 5.74% p.a.* (comparison rate: 5.78% p.a.)**
Construction lending structure: Supports progress payments at each stage of the build.
Principal and interest repayments: Help reduce the loan balance over time.
Variable rate flexibility: Rates may move with market conditions.
Minimum loan amount: $150,000
Construction loans can involve additional steps such as staged drawdowns and inspections.
Newcastle Permanent: Basic Real Deal Home Loan
(Investment – Variable)
For investors, the Basic Real Deal Home Loan offers a simple variable-rate option focused on managing interest costs while reducing debt. Here are some of its key features:
Variable interest rate:
Initial rate: 5.94% p.a.* (comparison rate: 5.98% p.a.)**
Variable repayments: Rates may rise or fall over time.
Principal and interest repayments: Help reduce investment debt gradually.
Basic structure: Fewer bundled features to keep costs lower.
Minimum loan amount: $150,000
If you’re looking for interest-only repayments or more advanced features, you may need to compare other investment loan 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.
Get the Aussie App: Download the app for the latest property and rate updates.
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.