We provide financial services, including accounts, home and personal loans, debit and credit cards, and insurance, but we’re not a bank. We’re a mutual building society; the difference being that we’re owned by our customers, not by shareholders. That means profits go back to our customers as better interest rates and competitive fees; and we support communities we operate in through extensive sponsorships and financial grants to good causes. Newcastle Permanent was established in 1903. We’re the largest building society in Australia and financially one of the strongest customer-owned banking institutions. We’re regulated just as the big banks are under the Banking Act 1959 (Cth), and supervised by the Australian Prudential Regulation Authority (APRA). As our saying goes, we’re ‘Here for Good’. Our vision is to help our customers achieve financial success and contribute to the well-being and vibrancy of our community. A cornerstone of that vision is the belief that our customer-owned banking model delivers better outcomes for customers than the profit-maximising cultures of the four major banks. We focus on providing exceptional retail banking products to help our customers transact, save, invest, protect and borrow in order to achieve financial success, including the Australian dream of owning their own home. We are proud to employ nearly 1,000 dedicated staff and have more than 320,000 loyal customers.