Westpac
Fixed 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 18 Sept 2026
At a glance
- Fixed
- 1 yr 6.74% · 2 yrs 6.74% · 3 yrs 6.94% · 4 yrs 7.09% · 5 yrs 7.09%
- Max LVR
- 95%
- Annual fee
- $395
- Features
- redraw, extra repayments
§ 01 — Rates · 140
| 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% | 7.00% | — |
| 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% | 9.18% | — |
| 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% | 6.99% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment · Interest only | 1 yr fixed | ≤70% LVR | 7.14% | 9.17% | — |
| 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% | 7.10% | — |
| 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% | 9.28% | — |
| 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% | 7.09% | — |
| 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% | 9.27% | — |
| 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 | 6.84% | 7.37% | — |
| 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 | 7.04% | 9.55% | — |
| 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 | 7.04% | 7.36% | — |
| 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 | 7.24% | 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 | 2 yrs fixed | ≤70% LVR | 6.74% | 7.03% | — |
| 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% | 8.98% | — |
| 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% | 7.02% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment · Interest only | 2 yrs fixed | ≤70% LVR | 7.14% | 8.95% | — |
| 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% | 7.13% | — |
| 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% | 9.08% | — |
| 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% | 7.12% | — |
| 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% | 9.05% | — |
| 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 | 6.74% | 7.35% | — |
| 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 | 6.94% | 9.29% | — |
| 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 | 6.94% | 7.34% | — |
| 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 | 7.14% | 9.26% | — |
| 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% | 7.14% | — |
| 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% | 8.88% | — |
| 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% | 7.12% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment · Interest only | 3 yrs fixed | ≤70% LVR | 7.39% | 8.83% | — |
| 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% | 7.24% | — |
| 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% | 8.98% | — |
| 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% | 7.22% | — |
| 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% | 8.93% | — |
| 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 | 6.94% | 7.41% | — |
| 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 | 7.14% | 9.13% | — |
| 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 | 7.14% | 7.39% | — |
| 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 | 7.34% | 9.09% | — |
| 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% | 7.27% | — |
| 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% | 8.81% | — |
| 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% | 7.24% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment · Interest only | 4 yrs fixed | ≤70% LVR | 7.59% | 8.76% | — |
| 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% | 7.37% | — |
| 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% | 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… | Investment · Interest only | 4 yrs fixed | 70–80% LVR | 7.49% | 7.34% | — |
| 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% | 8.85% | — |
| 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 | 7.14% | 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 and a 0.20% p.a. discount for repaying Interest Only in Advance. Inter… | Investment · Interest only | 4 yrs fixed | 80–95% LVR | 7.34% | 9.04% | — |
| 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 | 7.34% | 7.47% | — |
| 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 | 7.54% | 8.97% | — |
| 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% | 7.33% | — |
| 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% | 8.70% | — |
| 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% | 7.29% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment · Interest only | 5 yrs fixed | ≤70% LVR | 7.59% | 8.63% | — |
| 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% | 7.43% | — |
| 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% | 8.80% | — |
| 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% | 7.39% | — |
| 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% | 8.73% | — |
| 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 | 5 yrs fixed | 80–95% LVR | 7.14% | 7.53% | — |
| 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 | 7.34% | 8.89% | — |
| 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 | 7.34% | 7.49% | — |
| 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 | 7.54% | 8.82% | — |
| 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% | 6.99% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment · P&I | 1 yr fixed | ≤70% LVR | 7.04% | 9.16% | — |
| 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% | 7.09% | — |
| 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% | 9.25% | — |
| 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 | 6.94% | 7.35% | — |
| 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 | 7.14% | 9.52% | — |
| 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% | 7.01% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment · P&I | 2 yrs fixed | ≤70% LVR | 7.04% | 8.93% | — |
| 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% | 7.11% | — |
| 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% | 9.02% | — |
| 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 | 6.84% | 7.33% | — |
| 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 | 7.04% | 9.23% | — |
| 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% | 7.11% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment · P&I | 3 yrs fixed | ≤70% LVR | 7.29% | 8.80% | — |
| 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% | 7.21% | — |
| 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% | 8.89% | — |
| 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. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Investment · P&I | 3 yrs fixed | 80–95% LVR | 7.04% | 7.37% | — |
| 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 | 7.24% | 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 · P&I | 4 yrs fixed | ≤70% LVR | 7.34% | 7.24% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment · P&I | 4 yrs fixed | ≤70% LVR | 7.54% | 8.73% | — |
| 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 | 4 yrs fixed | 70–80% LVR | 7.44% | 7.34% | — |
| 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% | 8.83% | — |
| 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. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Investment · P&I | 4 yrs fixed | 80–95% LVR | 7.24% | 7.45% | — |
| 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. | Investment · P&I | 4 yrs fixed | 80–95% LVR | 7.44% | 8.92% | — |
| 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% | 7.30% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment · P&I | 5 yrs fixed | ≤70% LVR | 7.54% | 8.60% | — |
| 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% | 7.40% | — |
| 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% | 8.70% | — |
| 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 | 7.24% | 7.47% | — |
| 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. | Investment · P&I | 5 yrs fixed | 80–95% LVR | 7.44% | 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 | 1 yr fixed | ≤70% LVR | 7.04% | 6.83% | — |
| 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% | 8.70% | — |
| 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% | 6.93% | — |
| 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% | 8.80% | — |
| 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% | 6.88% | — |
| 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% | 8.55% | — |
| 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 · Interest only | 2 yrs fixed | 70–80% LVR | 7.14% | 6.98% | — |
| 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% | 8.64% | — |
| 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% | 7.01% | — |
| 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% | 8.49% | — |
| 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% | 7.11% | — |
| 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% | 8.58% | — |
| 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% | 7.15% | — |
| 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% | 8.46% | — |
| 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% | 7.25% | — |
| 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% | 8.56% | — |
| 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% | 7.22% | — |
| 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% | 8.39% | — |
| 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% | 7.32% | — |
| 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% | 8.48% | — |
| 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% | 6.80% | — |
| 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% | 8.66% | — |
| 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 · P&I | 1 yr fixed | 70–80% LVR | 6.84% | 6.90% | — |
| 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% | 8.76% | — |
| 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 | 6.84% | 7.17% | — |
| 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 | 7.04% | 9.03% | — |
| 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% | 6.84% | — |
| 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% | 8.48% | — |
| 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% | 6.93% | — |
| 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% | 8.58% | — |
| 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. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Owner occupied · P&I | 2 yrs fixed | 80–95% LVR | 6.74% | 7.15% | — |
| 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 | 6.94% | 8.79% | — |
| 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% | 6.92% | — |
| 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% | 8.38% | — |
| 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% | 7.02% | — |
| 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% | 8.48% | — |
| 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. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Owner occupied · P&I | 3 yrs fixed | 80–95% LVR | 6.94% | 7.20% | — |
| 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 | 7.14% | 8.65% | — |
| 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% | 7.03% | — |
| 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 | 4 yrs fixed | ≤70% LVR | 7.29% | 8.31% | — |
| 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% | 7.12% | — |
| 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 | 4 yrs fixed | 70–80% LVR | 7.39% | 8.40% | — |
| 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 | 7.09% | 7.27% | — |
| 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 | 7.29% | 8.54% | — |
| 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% | 7.10% | — |
| 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 | 5 yrs fixed | ≤70% LVR | 7.34% | 8.22% | — |
| 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% | 7.20% | — |
| 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 | 5 yrs fixed | 70–80% LVR | 7.44% | 8.32% | — |
| 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 | 7.09% | 7.29% | — |
| 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 | 7.29% | 8.41% | — |
§ 02 — Fees · 19
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Account Overdrawn Fee | Event | $15 | — | — |
| Bank Cheque Issuance Fee | Event | $10 | — | $10 per cheque (1st cheque is free) |
| Break Cost Fee | Event | Varies | — | — |
| Construction loan option | Event | No fee | — | Construction loan option (property valuer fees may apply) |
| Document Processing Fee | Event | $100 | — | — |
| Extra repayments | Event | No fee | — | Extra repayments (up to $30k on fixed loans) |
| Fixed Rate - Lock-In Fee | Event | 0.10% of balance | — | 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. |
| Loan switching | Event | No fee | — | Loan switching (changing loan or repayment type). Break costs may apply to a fixed rate loan |
| Portability option | Event | No fee | — | Portability option (keeping your loan but changing the property securing the loan) |
| Property Valuer Fee | Event | Varies | — | — |
| Redraw | Event | No fee | — | If activated and extra funds are available |
| Repayment holidays or Reduced Repayments | Event | No fee | — | Repayment holidays or Reduced Repayments of up to 50% for up to 12 months (subject to approval) |
| Split Loan Fee | Event | No fee | — | — |
| Loan Discharge Fee | Exit | $350 | — | — |
| Missed Payment Fee | Late payment | $15 | — | — |
| Annual Package Fee | Periodic | $395 | Every 1 yr | For customers opting for Premier Advantage Package |
| Monthly Loan Account Fee | Periodic | $8 | Every 1 mo | This fee is waived for customers that have Premier Advantage Package (other fees apply) |
| Lenders Mortgage Insurance Premium | Upfront | Varies | — | 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… |
| Lending Establishment Fee | Upfront | $600 | — | This fee is waived for customers that have Premier Advantage Package (other fees apply) |
§ 03 — 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…
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: An Australian citizen or permanent resident
- · Employment: Employed or self-employed
- · Amount $15,000 to 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
§ 06 — Run the numbers
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Published by Westpac under the Consumer Data Right, last changed by them on 18 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.