Bankwest
Complete Fixed Home Loan Package
The Complete Fixed Home Loan Package includes a fixed home loan, up to 9 offset accounts, a credit card and other good stuff - including our great rates.
Home loansBank updated 23 Sept 2026
At a glance
- Fixed
- 1 yr 6.49% · 2 yrs 6.59% · 3 yrs 6.69% · 4 yrs 6.74% · 5 yrs 6.79%
- Max LVR
- 95%
- Annual fee
- $395
- Features
- offset, extra repayments
§ 01 — Rates · 40
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment · Interest only | 1 yr fixed | ≤90% LVR | 6.89% | 8.15% | — |
| Fixed | Investment · Interest only | 2 yrs fixed | ≤90% LVR | 6.99% | 8.07% | — |
| Fixed | Investment · Interest only | 3 yrs fixed | ≤90% LVR | 7.09% | 8.01% | — |
| Fixed | Investment · Interest only | 4 yrs fixed | ≤90% LVR | 7.14% | 7.96% | — |
| Fixed | Investment · Interest only | 5 yrs fixed | ≤90% LVR | 7.19% | 7.93% | — |
| Fixed | Investment · P&I | 1 yr fixed | ≤90% LVR | 6.69% | 8.13% | — |
| Fixed | Investment · P&I | 1 yr fixed | 90–95% LVR | 7.79% | 7.90% | — |
| Fixed | Investment · P&I | 2 yrs fixed | ≤90% LVR | 6.79% | 8.03% | — |
| Fixed | Investment · P&I | 2 yrs fixed | 90–95% LVR | 7.89% | 7.95% | — |
| Fixed | Investment · P&I | 3 yrs fixed | ≤90% LVR | 6.89% | 7.96% | — |
| Fixed | Investment · P&I | 3 yrs fixed | 90–95% LVR | 7.99% | 8.02% | — |
| Fixed | Investment · P&I | 4 yrs fixed | ≤90% LVR | 6.94% | 7.90% | — |
| Fixed | Investment · P&I | 4 yrs fixed | 90–95% LVR | 8.04% | 8.08% | — |
| Fixed | Investment · P&I | 5 yrs fixed | ≤90% LVR | 6.99% | 7.85% | — |
| Fixed | Investment · P&I | 5 yrs fixed | 90–95% LVR | 8.09% | 8.15% | — |
| Fixed | Owner occupied · Interest only | 1 yr fixed | ≤80% LVR | 6.99% | 7.37% | — |
| Fixed | Owner occupied · Interest only | 2 yrs fixed | ≤80% LVR | 7.09% | 7.38% | — |
| Fixed | Owner occupied · Interest only | 3 yrs fixed | ≤80% LVR | 7.19% | 7.42% | — |
| Fixed | Owner occupied · Interest only | 4 yrs fixed | ≤80% LVR | 7.24% | 7.45% | — |
| Fixed | Owner occupied · Interest only | 5 yrs fixed | ≤80% LVR | 7.29% | 7.48% | — |
| Fixed | Owner occupied · P&I | 1 yr fixed | ≤80% LVR | 6.49% | 7.32% | — |
| Fixed | Owner occupied · P&I | 1 yr fixed | 80–90% LVR | 6.89% | 7.36% | — |
| Fixed | Owner occupied · P&I | 1 yr fixed | 90–95% LVR | 7.29% | 7.32% | — |
| Fixed | Owner occupied · P&I | 1 yr fixed | 95–98% LVR | 8.09% | 8.71% | — |
| Fixed | Owner occupied · P&I | 2 yrs fixed | ≤80% LVR | 6.59% | 7.29% | — |
| Fixed | Owner occupied · P&I | 2 yrs fixed | 80–90% LVR | 6.99% | 7.37% | — |
| Fixed | Owner occupied · P&I | 2 yrs fixed | 90–95% LVR | 7.39% | 7.38% | — |
| Fixed | Owner occupied · P&I | 2 yrs fixed | 95–98% LVR | 8.19% | 8.70% | — |
| Fixed | Owner occupied · P&I | 3 yrs fixed | ≤80% LVR | 6.69% | 7.29% | — |
| Fixed | Owner occupied · P&I | 3 yrs fixed | 80–90% LVR | 7.09% | 7.40% | — |
| Fixed | Owner occupied · P&I | 3 yrs fixed | 90–95% LVR | 7.49% | 7.45% | — |
| Fixed | Owner occupied · P&I | 3 yrs fixed | 95–98% LVR | 8.29% | 8.72% | — |
| Fixed | Owner occupied · P&I | 4 yrs fixed | ≤80% LVR | 6.74% | 7.28% | — |
| Fixed | Owner occupied · P&I | 4 yrs fixed | 80–90% LVR | 7.14% | 7.43% | — |
| Fixed | Owner occupied · P&I | 4 yrs fixed | 90–95% LVR | 7.54% | 7.52% | — |
| Fixed | Owner occupied · P&I | 4 yrs fixed | 95–98% LVR | 8.34% | 8.73% | — |
| Fixed | Owner occupied · P&I | 5 yrs fixed | ≤80% LVR | 6.79% | 7.28% | — |
| Fixed | Owner occupied · P&I | 5 yrs fixed | 80–90% LVR | 7.19% | 7.46% | — |
| Fixed | Owner occupied · P&I | 5 yrs fixed | 90–95% LVR | 7.59% | 7.59% | — |
| Fixed | Owner occupied · P&I | 5 yrs fixed | 95–98% LVR | 8.39% | 8.75% | — |
§ 02 — Fees · 22
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Arrears Notice Fee | Event | $35 | — | Cost is per notice and payable upon notification that your account is in arrears, during the period the loan is in default. |
| Default Administration Fee | Event | $50 | — | Cost is per month and payable on issue of a statutory default notice, during the period that your loan is under administration due to being in default. |
| Legal Fees | Event | Varies | — | Payable where Bankwest requires external legal services as part of the application. |
| Search Handling Fee | Event | $40 | — | Cost is per dealing and payable for completion of any search conducted by Bankwest. |
| Third Party Fees (including legal fees) Associated with the Discharge | Event | Varies | — | These are payable to Bankwest in reimbursement of any third party fees associated with a discharge. |
| Title Production Fee | Event | $130 | — | Cost is per title and payable when Bankwest is required to produce title documents. |
| Transfer of Land Registration Fee | Event | Varies | — | These are payable to Bankwest in reimbursement of Land Titles Office fees. Charges vary depending on the State of lodgement. |
| Discharge of Mortgage Registration Fee | Exit | $135.80 to $238.14 | — | These are payable to Bankwest in reimbursement of Land Titles Office fees. Charges vary depending on the State of lodgement. |
| Discharge of Pre-existing Mortgage Registration Fee | Exit | Varies | — | These are payable to Bankwest in reimbursement of Land Titles Office fees. Charges vary depending on the State of lodgement. |
| Discharge Settlement Attendance Fee | Exit | $38.20 | — | Payable per settlement and applies whether the settlement is attended in person or digitally. |
| Fixed Rate Break Administration Fee | Exit | $50 | — | Payable if and on the date that, during the fixed interest rate period, the loan is repaid in full or terminated by Bankwest by reason of your default. |
| Fixed Rate Break Cost | Exit | Varies | — | If the loan, or any part, is paid prior to its due date during the fixed interest rate period and we suffer a loss as a result, the fixed rate break cost is payable on the date of the prepayment. |
| Preparation of Discharge of Mortgage Fee | Exit | $300 | — | Payable for the preparation of each discharge of mortgage document. |
| Complete Home Loan Package Fee | Periodic | $395 | Every 1 yr | Fee is payable in advance and covers all Complete Home Loans held under the Package. |
| Bank Cheque Fee | Transaction | $10 | — | Payable per cheque required for settlement purposes and each time you request a bank cheque. |
| Application Fee | Upfront | No fee | — | No application fee applies for any home loans under the Complete Package. |
| Fixed Rate Capping Fee | Upfront | 0.15% of balance | — | The fixed rate capping fee is charged when customers elect to cap their fixed interest rate as a part of the application. The fee is either 0.15% of the actual amount of the loan or $450, whichever i… |
| Legal Disbursement Fee | Upfront | $350 | — | Applies when a new mortgage is being taken. Applies whether the settlement is attended in person or digitally. |
| Lenders Mortgage Insurance | Upfront | Varies | — | Lenders Mortgage Insurance (LMI) may apply where there is an increased risk associated with a home loan. The circumstances of your loan determine whether a loan will incur LMI. There is a one-off cos… |
| Mortgage Registration Fee | Upfront | Varies | — | These are payable to Bankwest in reimbursement of Land Titles Office fees. Charges vary depending on the State of lodgement. |
| Home Loan Portability Fee | Variation | $350 | — | Fee is payable upon application to Bankwest to substitute an existing security with another security. |
| Loan Increase Fee | Variation | $295 | — | Payable when you apply to increase the amount of credit or credit limit under an existing loan. This fee does not apply when increasing loans within the Complete Package. |
§ 03 — Features
Offset accountExtra repaymentsGuarantor optionInstant paymentsDigital banking
- · Topping up or increasing your home loan is a way to unlock more funds by borrowing against the equity you've built up on your current property.
- · No valuation fees are payable for customers with a Complete Home Loan Package.
- · Make weekly or fortnightly repayments, instead of monthly
- · The Complete Home Loan Package includes a Complete Fixed Home Loan, plus the flexibility to add on features to help you manage your mortgage and money your way. You can choose to add offset accounts…
- · Track your application online in real time with our Home Loan Application Tracker.
- · If you elect to cap the rate, pay the Fixed Rate Cap Fee and, in the capped rate period, the Loan or any part of it is advanced (or, as relevant, the variation to a fixed rate is effected by us), the…
- · If you reduce the limit on a fixed rate loan, fees might apply. We'll get in touch with you to discuss this after you make the request.
- · Up to 30 years with a fixed term of one to five years.
- · This loan can be used for the purposes of owner occupied or investment property purchases, refinancing your existing home loan, purchasing of vacant land (non-commercial) and personal needs.
- · Sufficient security must be an acceptable residential mortgage
- · If you're worried about fluctuating interest rates, you could choose to fix a portion of your home loan for an agreed term (of one to five years) while keeping the rest variable for extra flexibility…
- · Our Complete Fixed and Complete Variable Home Loan Packages let you split or switch between fixed and variable any time. Keep in mind that other fees and charges, such as break fees on a fixed rate l…
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Overseas Citizen
- · Available to individuals
- · Amount $200,000 to no maximum
- · Maximum LVR 95%
- · Security of the home loan is located in Australia.
- · Meet Bankwest's credit assessment criteria which includes demonstrating the capacity to make the required repayments and the ability to pay off the loan without substantial hardship.
- · When both living and working overseas, must be an Australian Citizen; or a New Zealand Citizen; or an Australian permanent resident.
§ 06 — Run the numbers
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Published by Bankwest under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.