WestpacFixed Rate Home Loan
Choose a Fixed Options home loan with terms from 1 to 5 years and lock in certainty. Get a guaranteed interest rate and set repayments over your fixed term
Home loansBank updated 28 Oct 2026
At a glance
- Fixed
- 1 yr 6.74%, 2 yrs 6.74%, 3 yrs 6.94%, 4 yrs 7.09%, 5 yrs 7.14%
- Max LVR
- 95%
- Annual fee
- $395
- Features
- redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| 1-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.84% | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 82 institutions | 62nd lowest of 82, level with 3 others |
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.84% | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.62%of 84 institutions | 60th lowest of 84, level with 3 others |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.04% | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions | 60th lowest of 80, level with 3 others |
| 5-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.24% | 6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan | 6.89%of 63 institutions | 49th lowest of 63, level with 3 others |
Rates
Every rate Westpac publishes for this home loan, 140 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- 1 yr fixedtypical 6.59%6.84%
- 2 yrs fixedtypical 6.62%6.84%
- 3 yrs fixedtypical 6.69%7.04%
- 4 yrs fixed7.19%
- 5 yrs fixedtypical 6.89%7.24%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70% and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Inves… | Investment, Interest only | 1 yr fixed | ≤70% LVR | 6.74% | 7.22% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70% and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Inves… | Investment, Interest only | 1 yr fixed | ≤70% LVR | 6.94% | 9.40% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Investment, Interest only | 1 yr fixed | ≤70% LVR | 6.94% | 7.21% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment, Interest only | 1 yr fixed | ≤70% LVR | 7.14% | 9.39% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a… | Investment, Interest only | 1 yr fixed | 70–80% LVR | 6.84% | 7.32% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a… | Investment, Interest only | 1 yr fixed | 70–80% LVR | 7.04% | 9.50% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Investment, Interest only | 1 yr fixed | 70–80% LVR | 7.04% | 7.31% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Investment, Interest only | 1 yr fixed | 70–80% LVR | 7.24% | 9.48% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Inter… | Investment, Interest only | 1 yr fixed | 80–95% LVR | 7.14% | 7.62% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Inter… | Investment, Interest only | 1 yr fixed | 80–95% LVR | 7.34% | 9.80% | - |
| FixedThere will be an additional 0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation. Our Advantage Package gives you a 0.20% interest rate discoun… | Investment, Interest only | 1 yr fixed | 80–95% LVR | 7.34% | 7.61% | - |
| FixedThere will be an additional 0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation. | Investment, Interest only | 1 yr fixed | 80–95% LVR | 7.54% | 9.78% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70% and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Inves… | Investment, Interest only | 2 yrs fixed | ≤70% LVR | 6.74% | 7.23% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70% and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Inves… | Investment, Interest only | 2 yrs fixed | ≤70% LVR | 6.94% | 9.17% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Investment, Interest only | 2 yrs fixed | ≤70% LVR | 6.94% | 7.22% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment, Interest only | 2 yrs fixed | ≤70% LVR | 7.14% | 9.14% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a… | Investment, Interest only | 2 yrs fixed | 70–80% LVR | 6.84% | 7.33% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a… | Investment, Interest only | 2 yrs fixed | 70–80% LVR | 7.04% | 9.27% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Investment, Interest only | 2 yrs fixed | 70–80% LVR | 7.04% | 7.32% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Investment, Interest only | 2 yrs fixed | 70–80% LVR | 7.24% | 9.24% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Inter… | Investment, Interest only | 2 yrs fixed | 80–95% LVR | 7.14% | 7.64% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Inter… | Investment, Interest only | 2 yrs fixed | 80–95% LVR | 7.34% | 9.57% | - |
| FixedThere will be an additional 0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation. Our Advantage Package gives you a 0.20% interest rate discoun… | Investment, Interest only | 2 yrs fixed | 80–95% LVR | 7.34% | 7.61% | - |
| FixedThere will be an additional 0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation. | Investment, Interest only | 2 yrs fixed | 80–95% LVR | 7.54% | 9.53% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70% and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Inves… | Investment, Interest only | 3 yrs fixed | ≤70% LVR | 6.99% | 7.32% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70% and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Inves… | Investment, Interest only | 3 yrs fixed | ≤70% LVR | 7.19% | 9.05% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Investment, Interest only | 3 yrs fixed | ≤70% LVR | 7.19% | 7.30% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment, Interest only | 3 yrs fixed | ≤70% LVR | 7.39% | 9.00% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a… | Investment, Interest only | 3 yrs fixed | 70–80% LVR | 7.09% | 7.42% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a… | Investment, Interest only | 3 yrs fixed | 70–80% LVR | 7.29% | 9.15% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Investment, Interest only | 3 yrs fixed | 70–80% LVR | 7.29% | 7.39% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Investment, Interest only | 3 yrs fixed | 70–80% LVR | 7.49% | 9.10% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Inter… | Investment, Interest only | 3 yrs fixed | 80–95% LVR | 7.39% | 7.73% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Inter… | Investment, Interest only | 3 yrs fixed | 80–95% LVR | 7.59% | 9.45% | - |
| FixedThere will be an additional 0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation. Our Advantage Package gives you a 0.20% interest rate discoun… | Investment, Interest only | 3 yrs fixed | 80–95% LVR | 7.59% | 7.69% | - |
| FixedThere will be an additional 0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation. | Investment, Interest only | 3 yrs fixed | 80–95% LVR | 7.79% | 9.39% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70% and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Inves… | Investment, Interest only | 4 yrs fixed | ≤70% LVR | 7.19% | 7.43% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70% and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Inves… | Investment, Interest only | 4 yrs fixed | ≤70% LVR | 7.39% | 8.97% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Investment, Interest only | 4 yrs fixed | ≤70% LVR | 7.39% | 7.39% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment, Interest only | 4 yrs fixed | ≤70% LVR | 7.59% | 8.90% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a… | Investment, Interest only | 4 yrs fixed | 70–80% LVR | 7.29% | 7.53% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a… | Investment, Interest only | 4 yrs fixed | 70–80% LVR | 7.49% | 9.07% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Investment, Interest only | 4 yrs fixed | 70–80% LVR | 7.49% | 7.49% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Investment, Interest only | 4 yrs fixed | 70–80% LVR | 7.69% | 9.00% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Inter… | Investment, Interest only | 4 yrs fixed | 80–95% LVR | 7.59% | 7.84% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Inter… | Investment, Interest only | 4 yrs fixed | 80–95% LVR | 7.79% | 9.37% | - |
| FixedThere will be an additional 0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation. Our Advantage Package gives you a 0.20% interest rate discoun… | Investment, Interest only | 4 yrs fixed | 80–95% LVR | 7.79% | 7.79% | - |
| FixedThere will be an additional 0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation. | Investment, Interest only | 4 yrs fixed | 80–95% LVR | 7.99% | 9.29% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70% and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Inves… | Investment, Interest only | 5 yrs fixed | ≤70% LVR | 7.19% | 7.47% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70% and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Inves… | Investment, Interest only | 5 yrs fixed | ≤70% LVR | 7.39% | 8.84% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Investment, Interest only | 5 yrs fixed | ≤70% LVR | 7.39% | 7.43% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment, Interest only | 5 yrs fixed | ≤70% LVR | 7.59% | 8.77% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a… | Investment, Interest only | 5 yrs fixed | 70–80% LVR | 7.29% | 7.57% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a… | Investment, Interest only | 5 yrs fixed | 70–80% LVR | 7.49% | 8.94% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Investment, Interest only | 5 yrs fixed | 70–80% LVR | 7.49% | 7.53% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Investment, Interest only | 5 yrs fixed | 70–80% LVR | 7.69% | 8.86% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Inter… | Investment, Interest only | 5 yrs fixed | 80–95% LVR | 7.59% | 7.89% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Inter… | Investment, Interest only | 5 yrs fixed | 80–95% LVR | 7.79% | 9.24% | - |
| FixedThere will be an additional 0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation. Our Advantage Package gives you a 0.20% interest rate discoun… | Investment, Interest only | 5 yrs fixed | 80–95% LVR | 7.79% | 7.83% | - |
| FixedThere will be an additional 0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation. | Investment, Interest only | 5 yrs fixed | 80–95% LVR | 7.99% | 9.15% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Investment, P&I | 1 yr fixed | ≤70% LVR | 6.84% | 7.21% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment, P&I | 1 yr fixed | ≤70% LVR | 7.04% | 9.37% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Investment, P&I | 1 yr fixed | 70–80% LVR | 6.94% | 7.31% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Investment, P&I | 1 yr fixed | 70–80% LVR | 7.14% | 9.47% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Investment, P&I | 1 yr fixed | 80–95% LVR | 7.24% | 7.60% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation. | Investment, P&I | 1 yr fixed | 80–95% LVR | 7.44% | 9.77% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Investment, P&I | 2 yrs fixed | ≤70% LVR | 6.84% | 7.21% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment, P&I | 2 yrs fixed | ≤70% LVR | 7.04% | 9.12% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Investment, P&I | 2 yrs fixed | 70–80% LVR | 6.94% | 7.31% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Investment, P&I | 2 yrs fixed | 70–80% LVR | 7.14% | 9.21% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Investment, P&I | 2 yrs fixed | 80–95% LVR | 7.24% | 7.60% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation. | Investment, P&I | 2 yrs fixed | 80–95% LVR | 7.44% | 9.51% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Investment, P&I | 3 yrs fixed | ≤70% LVR | 7.09% | 7.28% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment, P&I | 3 yrs fixed | ≤70% LVR | 7.29% | 8.96% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Investment, P&I | 3 yrs fixed | 70–80% LVR | 7.19% | 7.38% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Investment, P&I | 3 yrs fixed | 70–80% LVR | 7.39% | 9.06% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Investment, P&I | 3 yrs fixed | 80–95% LVR | 7.49% | 7.68% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation. | Investment, P&I | 3 yrs fixed | 80–95% LVR | 7.69% | 9.35% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Investment, P&I | 4 yrs fixed | ≤70% LVR | 7.34% | 7.40% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment, P&I | 4 yrs fixed | ≤70% LVR | 7.54% | 8.88% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Investment, P&I | 4 yrs fixed | 70–80% LVR | 7.44% | 7.50% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Investment, P&I | 4 yrs fixed | 70–80% LVR | 7.64% | 8.97% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Investment, P&I | 4 yrs fixed | 80–95% LVR | 7.74% | 7.80% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation. | Investment, P&I | 4 yrs fixed | 80–95% LVR | 7.94% | 9.26% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Investment, P&I | 5 yrs fixed | ≤70% LVR | 7.34% | 7.43% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment, P&I | 5 yrs fixed | ≤70% LVR | 7.54% | 8.73% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Investment, P&I | 5 yrs fixed | 70–80% LVR | 7.44% | 7.53% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Investment, P&I | 5 yrs fixed | 70–80% LVR | 7.64% | 8.82% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Investment, P&I | 5 yrs fixed | 80–95% LVR | 7.74% | 7.83% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation. | Investment, P&I | 5 yrs fixed | 80–95% LVR | 7.94% | 9.12% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Owner occupied, Interest only | 1 yr fixed | ≤70% LVR | 7.04% | 7.05% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Owner occupied, Interest only | 1 yr fixed | ≤70% LVR | 7.24% | 8.92% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Owner occupied, Interest only | 1 yr fixed | 70–80% LVR | 7.14% | 7.15% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Owner occupied, Interest only | 1 yr fixed | 70–80% LVR | 7.34% | 9.02% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Owner occupied, Interest only | 2 yrs fixed | ≤70% LVR | 7.04% | 7.08% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Owner occupied, Interest only | 2 yrs fixed | ≤70% LVR | 7.24% | 8.74% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Owner occupied, Interest only | 2 yrs fixed | 70–80% LVR | 7.14% | 7.18% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Owner occupied, Interest only | 2 yrs fixed | 70–80% LVR | 7.34% | 8.84% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Owner occupied, Interest only | 3 yrs fixed | ≤70% LVR | 7.29% | 7.18% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Owner occupied, Interest only | 3 yrs fixed | ≤70% LVR | 7.49% | 8.66% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Owner occupied, Interest only | 3 yrs fixed | 70–80% LVR | 7.39% | 7.28% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Owner occupied, Interest only | 3 yrs fixed | 70–80% LVR | 7.59% | 8.76% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Owner occupied, Interest only | 4 yrs fixed | ≤70% LVR | 7.49% | 7.31% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Owner occupied, Interest only | 4 yrs fixed | ≤70% LVR | 7.69% | 8.61% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Owner occupied, Interest only | 4 yrs fixed | 70–80% LVR | 7.59% | 7.41% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Owner occupied, Interest only | 4 yrs fixed | 70–80% LVR | 7.79% | 8.71% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Owner occupied, Interest only | 5 yrs fixed | ≤70% LVR | 7.49% | 7.36% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Owner occupied, Interest only | 5 yrs fixed | ≤70% LVR | 7.69% | 8.52% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Owner occupied, Interest only | 5 yrs fixed | 70–80% LVR | 7.59% | 7.46% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Owner occupied, Interest only | 5 yrs fixed | 70–80% LVR | 7.79% | 8.62% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Gov… | Owner occupied, P&I | 1 yr fixed | ≤70% LVR | 6.74% | 7.02% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. For Government's home guarantee scheme-backed loans, maximum LVR may differ. | Owner occupied, P&I | 1 yr fixed | ≤70% LVR | 6.94% | 8.88% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Owner occupied, P&I | 1 yr fixed | 70–80% LVR | 6.84% | 7.12% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may differ. | Owner occupied, P&I | 1 yr fixed | 70–80% LVR | 7.04% | 8.98% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Owner occupied, P&I | 1 yr fixed | 80–95% LVR | 7.14% | 7.42% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may… | Owner occupied, P&I | 1 yr fixed | 80–95% LVR | 7.34% | 9.28% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Gov… | Owner occupied, P&I | 2 yrs fixed | ≤70% LVR | 6.74% | 7.03% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. For Government's home guarantee scheme-backed loans, maximum LVR may differ. | Owner occupied, P&I | 2 yrs fixed | ≤70% LVR | 6.94% | 8.67% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Owner occupied, P&I | 2 yrs fixed | 70–80% LVR | 6.84% | 7.13% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may differ. | Owner occupied, P&I | 2 yrs fixed | 70–80% LVR | 7.04% | 8.77% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Owner occupied, P&I | 2 yrs fixed | 80–95% LVR | 7.14% | 7.43% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may… | Owner occupied, P&I | 2 yrs fixed | 80–95% LVR | 7.34% | 9.07% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Gov… | Owner occupied, P&I | 3 yrs fixed | ≤70% LVR | 6.94% | 7.10% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. For Government's home guarantee scheme-backed loans, maximum LVR may differ. | Owner occupied, P&I | 3 yrs fixed | ≤70% LVR | 7.14% | 8.55% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Owner occupied, P&I | 3 yrs fixed | 70–80% LVR | 7.04% | 7.20% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may differ. | Owner occupied, P&I | 3 yrs fixed | 70–80% LVR | 7.24% | 8.65% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Owner occupied, P&I | 3 yrs fixed | 80–95% LVR | 7.34% | 7.50% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may… | Owner occupied, P&I | 3 yrs fixed | 80–95% LVR | 7.54% | 8.94% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Gov… | Owner occupied, P&I | 4 yrs fixed | ≤70% LVR | 7.09% | 7.18% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. For Government's home guarantee scheme-backed loans, maximum LVR may differ. | Owner occupied, P&I | 4 yrs fixed | ≤70% LVR | 7.29% | 8.45% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Owner occupied, P&I | 4 yrs fixed | 70–80% LVR | 7.19% | 7.28% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may differ. | Owner occupied, P&I | 4 yrs fixed | 70–80% LVR | 7.39% | 8.55% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Owner occupied, P&I | 4 yrs fixed | 80–95% LVR | 7.49% | 7.58% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may… | Owner occupied, P&I | 4 yrs fixed | 80–95% LVR | 7.69% | 8.85% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Gov… | Owner occupied, P&I | 5 yrs fixed | ≤70% LVR | 7.14% | 7.24% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. For Government's home guarantee scheme-backed loans, maximum LVR may differ. | Owner occupied, P&I | 5 yrs fixed | ≤70% LVR | 7.34% | 8.35% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Owner occupied, P&I | 5 yrs fixed | 70–80% LVR | 7.24% | 7.34% | - |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may differ. | Owner occupied, P&I | 5 yrs fixed | 70–80% LVR | 7.44% | 8.45% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Owner occupied, P&I | 5 yrs fixed | 80–95% LVR | 7.54% | 7.63% | - |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you're borrowing above 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may… | Owner occupied, P&I | 5 yrs fixed | 80–95% LVR | 7.74% | 8.74% | - |
Fees
19 fees published, grouped by when they're charged.
- When you take it outUp to $6002 fees, each listed below
- While you hold itUp to $3952 fees, each listed below
- When you close it or pay it off$350Loan Discharge Fee
When you take it out2
- Lenders Mortgage Insurance Premium
If your deposit is less than 20% then Lenders Mortgage Insurance is usually required. There may be other circumstances where Lenders Mortgage Insurance is also required. As Lenders Mortgage Insurance…
Varies - Lending Establishment Fee
This fee is waived for customers that have Premier Advantage Package (other fees apply)
$600
While you hold it2
- Annual Package Fee
For customers opting for Premier Advantage Package
$395 a year - Monthly Loan Account Fee
This fee is waived for customers that have Premier Advantage Package (other fees apply)
$8 a month
If a payment is late or fails1
- Missed Payment Fee
If applicable
$15 30 days after it's due
When particular things happen13
- Account Overdrawn Fee$15
- Bank Cheque Issuance Fee
$10 per cheque (1st cheque is free)
$10 - Break Cost FeeVaries
- Construction loan option
Construction loan option (property valuer fees may apply)
No fee - Document Processing Fee$100
- Extra repayments
Extra repayments (up to $30k on fixed loans)
No fee - Fixed Rate - Lock-In Fee
0.10% of loan amount for new lending 0.10% for refixes. Rate lock is not available for progress draw loans under the construction option.
0.10% of balance - Loan switching
Loan switching (changing loan or repayment type). Break costs may apply to a fixed rate loan
No fee - Portability option
Portability option (keeping your loan but changing the property securing the loan)
No fee - Property Valuer FeeVaries
- Redraw
If activated and extra funds are available
No fee - Repayment holidays or Reduced Repayments
Repayment holidays or Reduced Repayments of up to 50% for up to 12 months (subject to approval)
No fee - Split Loan FeeNo fee
When you close it or pay it off1
- Loan Discharge Fee$350
Features
RedrawExtra repaymentsGuarantor optionFraud protectionRelationship manager
- Peace of mind - Fixing your home loan, means you'll have greater certainty. You can lock in the same rate and repayments from 1-5 years.
- Split loan option
- Keep your loan - Selling and buying a new home? Take your loan and rate with you and pay no break costs. Conditions apply.
- The product includes a combination loan feature.
- The product provides options which includes repayment holiday, portability, progressive drawdown, parental guarantee and lenders mortgage insurance.
- The product provides switching (from another product) feature
- Loan Payment Method - Direct Debit (preferred), Direct Credit, Branch Payment, Internet or Phone Banking
- Repayment types: Principal and Interest, Interest Only, or Interest Only in Advance
- Repayment frequencies includes weekly, fortnightly or monthly.
- Cancellation of the package: You may cancel your Package at any time by giving us a written request. Your Package will be cancelled, and all benefits will cease, when we receive your written request.
- Statements of account: We will send you a statement of your loan account at least every six months or more frequently if you request
- Comparison rate: The comparison rate is based on a loan of $150,000 over the term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charg…
Eligibility and limits
- Minimum age 18
- Residency: An Australian citizen or permanent resident
- Employment: Employed or self-employed
- Amount from $15,000, no maximum
- Maximum LVR 95%
- Individuals, Companies, Discretionary or Family Trusts (Individual or non-individual trustees)
- Maximum repayment term 30 years
- Loan Maximum - interest only period 10 years
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Published by Westpac under the Consumer Data Right, last changed by them on 28 Oct 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.