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Fixed Rate Home Loan

A basic, fixed rate loan for those who want the certainty of consistent repayments.

Home loansBank updated 3 Nov 2026

At a glance

Fixed
1 yr 6.79%, 2 yrs 6.89%, 3 yrs 6.99%, 4 yrs 7.04%, 5 yrs 7.09%
Max LVR
98%
Annual fee
$144
Features
offset, extra repayments

Rates

Every rate Bankwest publishes for this home loan, 55 in all.

Variable and fixed, at 80% LVR

Owner occupier, principal and interest, the lowest rate for each

  1. 1 yr fixedtypical 6.59%6.79%
  2. 2 yrs fixedtypical 6.62%6.89%
  3. 3 yrs fixedtypical 6.69%6.99%
  4. 4 yrs fixed7.04%
  5. 5 yrs fixedtypical 6.89%7.09%
This home loanTypical lender's best
TypeApplies toTermBandRateComparisonConditions
FixedInvestment, Interest only1 yr fixed≤90% LVR7.19%9.65%-
FixedInvestment, Interest only2 yrs fixed≤90% LVR7.29%9.40%-
FixedInvestment, Interest only3 yrs fixed≤90% LVR7.39%9.20%-
FixedInvestment, Interest only4 yrs fixed≤90% LVR7.44%9.03%-
FixedInvestment, Interest only5 yrs fixed≤90% LVR7.49%8.88%-
FixedInvestment, P&I1 yr fixed≤90% LVR6.99%9.62%-
FixedInvestment, P&I1 yr fixed90–95% LVR8.09%9.75%-
FixedInvestment, P&I2 yrs fixed≤90% LVR7.09%9.35%-
FixedInvestment, P&I2 yrs fixed90–95% LVR8.19%9.59%-
FixedInvestment, P&I3 yrs fixed≤90% LVR7.19%9.13%-
FixedInvestment, P&I3 yrs fixed90–95% LVR8.29%9.47%-
FixedInvestment, P&I4 yrs fixed≤90% LVR7.24%8.93%-
FixedInvestment, P&I4 yrs fixed90–95% LVR8.34%9.36%-
FixedInvestment, P&I5 yrs fixed≤90% LVR7.29%8.77%-
FixedInvestment, P&I5 yrs fixed90–95% LVR8.39%9.28%-
FixedOwner occupied, Interest only1 yr fixed≤80% LVR7.29%9.09%-
FixedOwner occupied, Interest only2 yrs fixed≤80% LVR7.39%8.92%-
FixedOwner occupied, Interest only3 yrs fixed≤80% LVR7.49%8.79%-
FixedOwner occupied, Interest only4 yrs fixed≤80% LVR7.54%8.68%-
FixedOwner occupied, Interest only5 yrs fixed≤80% LVR7.59%8.58%-
FixedOwner occupied, P&I1 yr fixed≤80% LVR6.79%9.03%-
FixedOwner occupied, P&I1 yr fixed80–90% LVR7.19%9.08%-
FixedOwner occupied, P&I1 yr fixed80–90% LVR7.19%9.08%-
FixedOwner occupied, P&I1 yr fixed90–95% LVR7.59%9.12%-
FixedOwner occupied, P&I1 yr fixed90–95% LVR7.59%9.12%-
FixedOwner occupied, P&I1 yr fixed95–98% LVR8.39%9.22%-
FixedOwner occupied, P&I1 yr fixed95–98% LVR8.39%9.22%-
FixedOwner occupied, P&I2 yrs fixed≤80% LVR6.89%8.81%-
FixedOwner occupied, P&I2 yrs fixed80–90% LVR7.29%8.90%-
FixedOwner occupied, P&I2 yrs fixed80–90% LVR7.29%8.90%-
FixedOwner occupied, P&I2 yrs fixed90–95% LVR7.69%8.98%-
FixedOwner occupied, P&I2 yrs fixed90–95% LVR7.69%8.98%-
FixedOwner occupied, P&I2 yrs fixed95–98% LVR8.49%9.16%-
FixedOwner occupied, P&I2 yrs fixed95–98% LVR8.49%9.16%-
FixedOwner occupied, P&I3 yrs fixed≤80% LVR6.99%8.63%-
FixedOwner occupied, P&I3 yrs fixed80–90% LVR7.39%8.75%-
FixedOwner occupied, P&I3 yrs fixed80–90% LVR7.39%8.75%-
FixedOwner occupied, P&I3 yrs fixed90–95% LVR7.79%8.88%-
FixedOwner occupied, P&I3 yrs fixed90–95% LVR7.79%8.88%-
FixedOwner occupied, P&I3 yrs fixed95–98% LVR8.59%9.13%-
FixedOwner occupied, P&I3 yrs fixed95–98% LVR8.59%9.13%-
FixedOwner occupied, P&I4 yrs fixed≤80% LVR7.04%8.48%-
FixedOwner occupied, P&I4 yrs fixed80–90% LVR7.44%8.63%-
FixedOwner occupied, P&I4 yrs fixed80–90% LVR7.44%8.63%-
FixedOwner occupied, P&I4 yrs fixed90–95% LVR7.84%8.78%-
FixedOwner occupied, P&I4 yrs fixed90–95% LVR7.84%8.78%-
FixedOwner occupied, P&I4 yrs fixed95–98% LVR8.64%9.10%-
FixedOwner occupied, P&I4 yrs fixed95–98% LVR8.64%9.10%-
FixedOwner occupied, P&I5 yrs fixed≤80% LVR7.09%8.34%-
FixedOwner occupied, P&I5 yrs fixed80–90% LVR7.49%8.52%-
FixedOwner occupied, P&I5 yrs fixed80–90% LVR7.49%8.52%-
FixedOwner occupied, P&I5 yrs fixed90–95% LVR7.89%8.71%-
FixedOwner occupied, P&I5 yrs fixed90–95% LVR7.89%8.71%-
FixedOwner occupied, P&I5 yrs fixed95–98% LVR8.69%9.08%-
FixedOwner occupied, P&I5 yrs fixed95–98% LVR8.69%9.08%-

Rate changes

40 changes logged, newest first.

DateRateWasNowChange
10 Oct 2026Fixed, Investment, Interest only, 1 yr fixed, ≤90% LVR6.89%7.19%up 0.30
10 Oct 2026Fixed, Investment, Interest only, 2 yrs fixed, ≤90% LVR6.99%7.29%up 0.30
10 Oct 2026Fixed, Investment, Interest only, 3 yrs fixed, ≤90% LVR7.09%7.39%up 0.30
10 Oct 2026Fixed, Investment, Interest only, 4 yrs fixed, ≤90% LVR7.14%7.44%up 0.30
10 Oct 2026Fixed, Investment, Interest only, 5 yrs fixed, ≤90% LVR7.19%7.49%up 0.30
10 Oct 2026Fixed, Investment, P&I, 1 yr fixed, ≤90% LVR6.69%6.99%up 0.30
10 Oct 2026Fixed, Investment, P&I, 1 yr fixed, 90–95% LVR7.79%8.09%up 0.30
10 Oct 2026Fixed, Investment, P&I, 2 yrs fixed, ≤90% LVR6.79%7.09%up 0.30
10 Oct 2026Fixed, Investment, P&I, 2 yrs fixed, 90–95% LVR7.89%8.19%up 0.30
10 Oct 2026Fixed, Investment, P&I, 3 yrs fixed, ≤90% LVR6.89%7.19%up 0.30
10 Oct 2026Fixed, Investment, P&I, 3 yrs fixed, 90–95% LVR7.99%8.29%up 0.30
10 Oct 2026Fixed, Investment, P&I, 4 yrs fixed, ≤90% LVR6.94%7.24%up 0.30
10 Oct 2026Fixed, Investment, P&I, 4 yrs fixed, 90–95% LVR8.04%8.34%up 0.30
10 Oct 2026Fixed, Investment, P&I, 5 yrs fixed, ≤90% LVR6.99%7.29%up 0.30
10 Oct 2026Fixed, Investment, P&I, 5 yrs fixed, 90–95% LVR8.09%8.39%up 0.30
10 Oct 2026Fixed, Owner occupied, Interest only, 1 yr fixed, ≤80% LVR6.99%7.29%up 0.30
10 Oct 2026Fixed, Owner occupied, Interest only, 2 yrs fixed, ≤80% LVR7.09%7.39%up 0.30
10 Oct 2026Fixed, Owner occupied, Interest only, 3 yrs fixed, ≤80% LVR7.19%7.49%up 0.30
10 Oct 2026Fixed, Owner occupied, Interest only, 4 yrs fixed, ≤80% LVR7.24%7.54%up 0.30
10 Oct 2026Fixed, Owner occupied, Interest only, 5 yrs fixed, ≤80% LVR7.29%7.59%up 0.30
10 Oct 2026Fixed, Owner occupied, P&I, 1 yr fixed, ≤80% LVR6.49%6.79%up 0.30
10 Oct 2026Fixed, Owner occupied, P&I, 1 yr fixed, 80–90% LVR6.89%7.19%up 0.30
10 Oct 2026Fixed, Owner occupied, P&I, 1 yr fixed, 90–95% LVR7.29%7.59%up 0.30
10 Oct 2026Fixed, Owner occupied, P&I, 1 yr fixed, 95–98% LVR8.09%8.39%up 0.30
10 Oct 2026Fixed, Owner occupied, P&I, 2 yrs fixed, ≤80% LVR6.59%6.89%up 0.30
10 Oct 2026Fixed, Owner occupied, P&I, 2 yrs fixed, 80–90% LVR6.99%7.29%up 0.30
10 Oct 2026Fixed, Owner occupied, P&I, 2 yrs fixed, 90–95% LVR7.39%7.69%up 0.30
10 Oct 2026Fixed, Owner occupied, P&I, 2 yrs fixed, 95–98% LVR8.19%8.49%up 0.30
10 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed, ≤80% LVR6.69%6.99%up 0.30
10 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed, 80–90% LVR7.09%7.39%up 0.30
10 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed, 90–95% LVR7.49%7.79%up 0.30
10 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed, 95–98% LVR8.29%8.59%up 0.30
10 Oct 2026Fixed, Owner occupied, P&I, 4 yrs fixed, ≤80% LVR6.74%7.04%up 0.30
10 Oct 2026Fixed, Owner occupied, P&I, 4 yrs fixed, 80–90% LVR7.14%7.44%up 0.30
10 Oct 2026Fixed, Owner occupied, P&I, 4 yrs fixed, 90–95% LVR7.54%7.84%up 0.30
10 Oct 2026Fixed, Owner occupied, P&I, 4 yrs fixed, 95–98% LVR8.34%8.64%up 0.30
10 Oct 2026Fixed, Owner occupied, P&I, 5 yrs fixed, ≤80% LVR6.79%7.09%up 0.30
10 Oct 2026Fixed, Owner occupied, P&I, 5 yrs fixed, 80–90% LVR7.19%7.49%up 0.30
10 Oct 2026Fixed, Owner occupied, P&I, 5 yrs fixed, 90–95% LVR7.59%7.89%up 0.30
10 Oct 2026Fixed, Owner occupied, P&I, 5 yrs fixed, 95–98% LVR8.39%8.69%up 0.30

Each change is logged the night it appears in the rates Bankwest publishes. See how every lender answered the RBA on the rate tracker.

Fees

24 fees published, grouped by when they're charged.

  1. When you take it outUp to $3505 fees, each listed below
  2. While you hold it$12 a monthLoan Maintenance Fee
  3. When you close it or pay it offUp to $3006 fees, each listed below

When you take it out5

  • Application Fee

    Includes legal fees for standard mortgage preparation and one standard valuation fee. Any amount in excess of the standard fees are to be met by the customer. Application fee reduced

    $295
  • Fixed Rate Capping Fee

    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…

    0.15% of balance
  • Legal Disbursement Fee

    Applies when a new mortgage is being taken. Applies whether the settlement is attended in person or digitally.

    $350
  • Lenders Mortgage Insurance

    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…

    Varies
  • Mortgage Registration Fee

    These are payable to Bankwest in reimbursement of Land Titles Office fees. Charges vary depending on the State of lodgement.

    Varies

While you hold it1

  • Loan Maintenance Fee

    Payable monthly in arrears on the monthly repayment due date during the fixed interest rate period.

    $12 a month

When you make a transaction1

  • Bank Cheque Fee

    Payable per cheque required for settlement purposes and each time you request a bank cheque.

    $10

When particular things happen11

  • Arrears Notice Fee

    Cost is per notice and payable upon notification that your account is in arrears, during the period the loan is in default.

    $35
  • Default Administration Fee

    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.

    $50
  • Legal Fees

    Payable where Bankwest requires external legal services as part of the application.

    Varies
  • Low Deposit Premium fee

    For Australian Government 5% Deposit Scheme loans, if the guarantee is cancelled by Housing Australia or otherwise no longer valid, a Low Deposit Premium fee may apply.

    Varies
  • Search Handling Fee

    Cost is per dealing and payable for completion of any search conducted by Bankwest.

    $40
  • Security Assessment Fee

    Payable when we perform a valuation on any mortgaged real property forming part of the Security after the initial settlement in reimbursement of the valuer's fee.

    Varies
  • Third Party Fees (including legal fees) Associated with the Discharge

    These are payable to Bankwest in reimbursement of any third party fees associated with a discharge.

    Varies
  • Title Production Fee

    Cost is per title and payable when Bankwest is required to produce title documents.

    $130
  • Transfer of Land Registration Fee

    These are payable to Bankwest in reimbursement of Land Titles Office fees. Charges vary depending on the State of lodgement.

    Varies
  • Home Loan Portability Fee

    Fee is payable upon application to Bankwest to substitute an existing security with another security.

    $350
  • Loan Increase Fee

    Payable when you apply to increase the amount of credit or credit limit under an existing loan.

    $295

When you close it or pay it off6

  • Discharge of Mortgage Registration Fee

    These are payable to Bankwest in reimbursement of Land Titles Office fees. Charges may vary depending on the State of lodgement.

    $135.80 to $238.14
  • Discharge of Pre-existing Mortgage Registration Fee

    These are payable to Bankwest in reimbursement of Land Titles Office fees. Charges vary depending on the State of lodgement.

    Varies
  • Discharge Settlement Attendance Fee

    Payable per settlement and applies whether the settlement is attended in person or digitally.

    $38.20
  • Fixed Rate Break Administration Fee

    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.

    $50
  • Fixed Rate Break Cost

    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.

    Varies
  • Preparation of Discharge of Mortgage Fee

    Payable for the preparation of each discharge of mortgage document.

    $300

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.
  • One standard valuation included. Any amount in excess of the standard fee is to be met by the customer.
  • Make weekly or fortnightly repayments, instead of monthly
  • 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…
  • To reduce your limit, send a request in Bankmail via online banking or chat to your lender or broker.
  • 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 Fixed and Variable Home Loans 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 loan, may apply.
  • Principal & Interest or Interest only options are available.

Eligibility and limits

  • Minimum age 18
  • Residency: Overseas Citizen
  • Available to individuals
  • Amount from $20,000, no maximum
  • Maximum LVR 98%
  • 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.

Published by Bankwest under the Consumer Data Right, last changed by them on 3 Nov 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.