{
  "snapshot_at": "2026-11-13T01:22:35Z",
  "brand": "Newcastle Permanent",
  "brand_slug": "newcastle-permanent",
  "product_id": "HL_realdealPI",
  "cdr_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_realdealPI",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_realdealPI'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "additionalInformation": {
      "feesAndPricingUri": "https://www.newcastlepermanent.com.au/personal/home-loans/real-deal-home-loan",
      "overviewUri": "https://www.newcastlepermanent.com.au/personal/home-loans/real-deal-home-loan"
    },
    "brand": "NP",
    "brandName": "Newcastle Permanent",
    "bundles": [],
    "constraints": [
      {
        "additionalInfo": "Note that the credit limit we give you will depend on your ability to meet your repayments.",
        "additionalValue": "50000.00",
        "constraintType": "MIN_LIMIT"
      },
      {
        "additionalInfo": "Maximum LVR for Principal and Interest loans.  ",
        "additionalValue": "0.95",
        "constraintType": "MAX_LVR"
      }
    ],
    "depositRates": [],
    "description": "One of our best rates, includes redraw and allows additional repayments.",
    "effectiveFrom": "2003-01-27T00:00:00+11:00",
    "effectiveTo": "9999-12-30T00:00:00+11:00",
    "eligibility": [
      {
        "additionalValue": "18",
        "eligibilityType": "MIN_AGE"
      },
      {
        "additionalInfo": "Credit Approval. Applications for home loans are subject to the Bank's normal credit approval.",
        "eligibilityType": "OTHER"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "additionalValue": "Must live in Australia and be either: an Australian citizen, an Australian permanent resident or a New Zealand citizen",
        "eligibilityType": "RESIDENCY_STATUS"
      }
    ],
    "features": [
      {
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/home-loans",
        "featureType": "REDRAW"
      },
      {
        "additionalInfo": "This loan type is eligible to be linked to an Everyday Account known as Partial Offset. Please see the Everyday Account Product Schedule or talk to us for more information.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/everyday-banking-product-schedule",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Online Cashback Offer available on eligible purchased and refinanced loans for applications submitted through our online application channel. See Offer terms and conditions for details.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Promotions",
        "additionalValue": "2500.00 - 3000.00",
        "featureType": "CASHBACK_OFFER"
      },
      {
        "additionalInfo": "Split Loan",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "You can make regular additional repayments and extra lump sum payments.",
        "featureType": "EXTRA_REPAYMENTS"
      },
      {
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/digital-banking",
        "featureType": "DIGITAL_BANKING"
      }
    ],
    "fees": [
      {
        "additionalInfo": "Payable when the Security listed on a mortgage is changed. You may also be charged a valuation fee which is unascertainable.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/mortgage-fact-sheet",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "VARIATION",
        "fixedAmount": {
          "amount": "350.00"
        },
        "name": "Substitution in Security Fee"
      },
      {
        "additionalInfo": "Establishing a loan is an involved process and requires the expertise of trained staff to assess the loan application, create detailed documentation, coordinate settlement and register the mortgage.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/mortgage-fact-sheet",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "595.00"
        },
        "name": "Establishment Fee"
      },
      {
        "additionalInfo": "Fee applies if you request copies of documents such as withdrawal slips or statements, you ask us to verify a transaction on your account or you request any other information. It is calculated on an hourly basis, and charged to your account on a pro-rata basis (subject to minimum charges applying) after the search is undertaken. $60/hour (min $10/copy).",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "feeType": "ENQUIRY",
        "name": "Document and Miscellaneous Service",
        "variable": {}
      },
      {
        "additionalInfo": "If you ask us to take a payment, either direct debit or salary deduction and you do not have enough funds in your account to cover this payment, you will be charged a fee.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/mortgage-fact-sheet",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "DISHONOUR",
        "fixedAmount": {
          "amount": "9.00"
        },
        "name": "Dishonour (Direct Debit and Cheque)"
      },
      {
        "additionalInfo": "Payable to us when increasing borrowing against an existing security. Also known as a loan top-up.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/mortgage-fact-sheet",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "350.00"
        },
        "name": "Application Fee"
      },
      {
        "additionalInfo": "Payable whenever we agree to a change relating to the title of the property.",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "200.00"
        },
        "name": "Consent Fee"
      },
      {
        "additionalInfo": "Fee applies for the conversion of international transfers in a foreign currency to Australian dollars.",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "DEPOSIT",
        "fixedAmount": {
          "amount": "12.00"
        },
        "name": "International Transfer Inward"
      },
      {
        "additionalInfo": "Payable to us when we are required to issue Financial Institution Cheques for settlement. Financial Institution Cheque means a cheque which is issued by us and drawn on us. Where the settlement cheque is drawn by a third party, the fee charged to us by the third party will be passed on to you. The amount of these third party fees may vary and are unascertainable as at the date of these terms and conditions.    ",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "WITHDRAWAL",
        "fixedAmount": {
          "amount": "5.00"
        },
        "name": "Settlement Financial Institution Cheque Fee"
      },
      {
        "additionalInfo": "Where more than one repayment is in default (the fee will be charged the month the payment is due and each later month until the month after you pay the amount). ",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/mortgage-fact-sheet",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "LATE_PAYMENT",
        "fixedAmount": {
          "amount": "50.00"
        },
        "name": "Default Administration Fee 2"
      },
      {
        "additionalInfo": "Payable whenever we arrange for a discharge of mortgage. There may also be fees charged by a third party.",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EXIT",
        "fixedAmount": {
          "amount": "250.00"
        },
        "name": "Discharge Administration Fee"
      },
      {
        "additionalInfo": "Payable to us when we are required to electronically transfer money for settlement.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/mortgage-fact-sheet",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "WITHDRAWAL",
        "fixedAmount": {
          "amount": "30.00"
        },
        "name": "Electronic Transfer Fee"
      },
      {
        "additionalInfo": "Redraw of advance funds via a Branch.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/mortgage-fact-sheet",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "WITHDRAWAL",
        "fixedAmount": {
          "amount": "25.00"
        },
        "name": "Redraw Fee via Branch"
      },
      {
        "additionalInfo": "Where one payment or less is in arrears at the end of the month.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/mortgage-fact-sheet",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "LATE_PAYMENT",
        "fixedAmount": {
          "amount": "35.00"
        },
        "name": "Default Administration Fee 1"
      },
      {
        "additionalInfo": "May be payable when converting loan product type.",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/mortgage-fact-sheet",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "VARIATION",
        "fixedAmount": {
          "amount": "350.00"
        },
        "name": "Conversion Fee"
      },
      {
        "additionalInfo": "This comprises our external searcher’s fee and the Land and Property Information fees. (If the security involves a Community Scheme, or is outside New South Wales, or is old system title, this fee is unascertainable and may be higher. We may charge you what our solicitors or agents charge us to perform this search).",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "75.00"
        },
        "name": "Title Search Fee"
      },
      {
        "additionalInfo": "Payable to us when your discharge settlement is cancelled and/or rescheduled. This fee is payable in either cash or cheque at the time of settlement.",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "85.00"
        },
        "name": "Settlement Reschedule Fee"
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-11-13T00:00:00+11:00",
    "lendingRates": [
      {
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/home-loan-interest-rates",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0865000000",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0860000000",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      },
      {
        "additionalInfo": "Real Deal Special 1 available for loans $150k+, with LVR of 80% or less",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates/",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0648000000",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0644000000",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "applicabilityConditions": [],
            "maximumValue": "0.80",
            "minimumValue": "0.00",
            "name": "Real Deal Special 1 LVR",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          },
          {
            "applicabilityConditions": [],
            "minimumValue": "150000.00",
            "name": "Real Deal Special 1 Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          }
        ]
      },
      {
        "additionalInfo": "Real Deal Special 2 available for loans $150k+, with LVR above 80%",
        "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/interest-rates/",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0728000000",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0724000000",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "applicabilityConditions": [],
            "minimumValue": "150000.00",
            "name": "Real Deal Special 2 Balance",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          },
          {
            "applicabilityConditions": [],
            "maximumValue": "0.95",
            "minimumValue": "0.80",
            "name": "Real Deal Special 2 LVR",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      }
    ],
    "name": "Real Deal Home Loan Principal and Interest",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "HL_realdealPI"
  }
}