Home loan rates › Westpac

Fixed Rate Home Loan

Westpac

CDR officialNot ranked in rate tables

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

Lender's product page ↗

Product data

The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.

Rates

RateComparison*Applies toConditionsSourceSince
6.74%7.22%Fixed · 1 year · investment · interest only · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
6.94%9.40%Fixed · 1 year · investment · interest only · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
6.94%7.21%Fixed · 1 year · investment · interest only · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.14%9.39%Fixed · 1 year · investment · interest only · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
6.84%7.32%Fixed · 1 year · investment · interest only · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.04%9.50%Fixed · 1 year · investment · interest only · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.04%7.31%Fixed · 1 year · investment · interest only · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.24%9.48%Fixed · 1 year · investment · interest only · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.14%7.62%Fixed · 1 year · investment · interest only · LVR 80%–95%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.34%9.80%Fixed · 1 year · investment · interest only · LVR 80%–95%
Not compared in rate tables
CDR1 Nov 2026
7.34%7.61%Fixed · 1 year · investment · interest only · LVR 80%–95%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.54%9.78%Fixed · 1 year · investment · interest only · LVR 80%–95%
Not compared in rate tables
CDR1 Nov 2026
6.74%7.23%Fixed · 2 years · investment · interest only · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
6.94%9.17%Fixed · 2 years · investment · interest only · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
6.94%7.22%Fixed · 2 years · investment · interest only · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.14%9.14%Fixed · 2 years · investment · interest only · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
6.84%7.33%Fixed · 2 years · investment · interest only · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.04%7.32%Fixed · 2 years · investment · interest only · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.04%9.27%Fixed · 2 years · investment · interest only · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.24%9.24%Fixed · 2 years · investment · interest only · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.14%7.64%Fixed · 2 years · investment · interest only · LVR 80%–95%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.34%9.57%Fixed · 2 years · investment · interest only · LVR 80%–95%
Not compared in rate tables
CDR1 Nov 2026
7.34%7.61%Fixed · 2 years · investment · interest only · LVR 80%–95%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.54%9.53%Fixed · 2 years · investment · interest only · LVR 80%–95%
Not compared in rate tables
CDR1 Nov 2026
6.99%7.32%Fixed · 3 years · investment · interest only · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.19%7.30%Fixed · 3 years · investment · interest only · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.19%9.05%Fixed · 3 years · investment · interest only · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
7.39%9.00%Fixed · 3 years · investment · interest only · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
7.09%7.42%Fixed · 3 years · investment · interest only · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.29%9.15%Fixed · 3 years · investment · interest only · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.29%7.39%Fixed · 3 years · investment · interest only · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.49%9.10%Fixed · 3 years · investment · interest only · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.39%7.73%Fixed · 3 years · investment · interest only · LVR 80%–95%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.59%9.45%Fixed · 3 years · investment · interest only · LVR 80%–95%
Not compared in rate tables
CDR1 Nov 2026
7.59%7.69%Fixed · 3 years · investment · interest only · LVR 80%–95%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.79%9.39%Fixed · 3 years · investment · interest only · LVR 80%–95%
Not compared in rate tables
CDR1 Nov 2026
7.19%7.43%Fixed · 4 years · investment · interest only · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.39%8.97%Fixed · 4 years · investment · interest only · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
7.39%7.39%Fixed · 4 years · investment · interest only · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.59%8.90%Fixed · 4 years · investment · interest only · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
7.29%7.53%Fixed · 4 years · investment · interest only · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.49%9.07%Fixed · 4 years · investment · interest only · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.49%7.49%Fixed · 4 years · investment · interest only · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.69%9.00%Fixed · 4 years · investment · interest only · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.59%7.84%Fixed · 4 years · investment · interest only · LVR 80%–95%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.79%9.37%Fixed · 4 years · investment · interest only · LVR 80%–95%
Not compared in rate tables
CDR1 Nov 2026
7.79%7.79%Fixed · 4 years · investment · interest only · LVR 80%–95%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.99%9.29%Fixed · 4 years · investment · interest only · LVR 80%–95%
Not compared in rate tables
CDR1 Nov 2026
7.19%7.47%Fixed · 5 years · investment · interest only · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.39%8.84%Fixed · 5 years · investment · interest only · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
7.39%7.43%Fixed · 5 years · investment · interest only · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.59%8.77%Fixed · 5 years · investment · interest only · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
7.29%7.57%Fixed · 5 years · investment · interest only · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.49%7.53%Fixed · 5 years · investment · interest only · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.49%8.94%Fixed · 5 years · investment · interest only · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.69%8.86%Fixed · 5 years · investment · interest only · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.59%7.89%Fixed · 5 years · investment · interest only · LVR 80%–95%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.79%7.83%Fixed · 5 years · investment · interest only · LVR 80%–95%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.79%9.24%Fixed · 5 years · investment · interest only · LVR 80%–95%
Not compared in rate tables
CDR1 Nov 2026
7.99%9.15%Fixed · 5 years · investment · interest only · LVR 80%–95%
Not compared in rate tables
CDR1 Nov 2026
6.84%7.21%Fixed · 1 year · investment · principal and interest · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.04%9.37%Fixed · 1 year · investment · principal and interest · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
6.94%7.31%Fixed · 1 year · investment · principal and interest · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.14%9.47%Fixed · 1 year · investment · principal and interest · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.24%7.60%Fixed · 1 year · investment · principal and interest · LVR 80%–95%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.44%9.77%Fixed · 1 year · investment · principal and interest · LVR 80%–95%
Not compared in rate tables
CDR1 Nov 2026
6.84%7.21%Fixed · 2 years · investment · principal and interest · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.04%9.12%Fixed · 2 years · investment · principal and interest · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
6.94%7.31%Fixed · 2 years · investment · principal and interest · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.14%9.21%Fixed · 2 years · investment · principal and interest · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.24%7.60%Fixed · 2 years · investment · principal and interest · LVR 80%–95%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.44%9.51%Fixed · 2 years · investment · principal and interest · LVR 80%–95%
Not compared in rate tables
CDR1 Nov 2026
7.09%7.28%Fixed · 3 years · investment · principal and interest · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.29%8.96%Fixed · 3 years · investment · principal and interest · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
7.19%7.38%Fixed · 3 years · investment · principal and interest · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.39%9.06%Fixed · 3 years · investment · principal and interest · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.49%7.68%Fixed · 3 years · investment · principal and interest · LVR 80%–95%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.69%9.35%Fixed · 3 years · investment · principal and interest · LVR 80%–95%
Not compared in rate tables
CDR1 Nov 2026
7.34%7.40%Fixed · 4 years · investment · principal and interest · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.54%8.88%Fixed · 4 years · investment · principal and interest · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
7.44%7.50%Fixed · 4 years · investment · principal and interest · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.64%8.97%Fixed · 4 years · investment · principal and interest · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.74%7.80%Fixed · 4 years · investment · principal and interest · LVR 80%–95%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.94%9.26%Fixed · 4 years · investment · principal and interest · LVR 80%–95%
Not compared in rate tables
CDR1 Nov 2026
7.34%7.43%Fixed · 5 years · investment · principal and interest · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.54%8.73%Fixed · 5 years · investment · principal and interest · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
7.44%7.53%Fixed · 5 years · investment · principal and interest · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.64%8.82%Fixed · 5 years · investment · principal and interest · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.74%7.83%Fixed · 5 years · investment · principal and interest · LVR 80%–95%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.94%9.12%Fixed · 5 years · investment · principal and interest · LVR 80%–95%
Not compared in rate tables
CDR1 Nov 2026
7.04%7.05%Fixed · 1 year · owner occupied · interest only · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.24%8.92%Fixed · 1 year · owner occupied · interest only · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
7.14%7.15%Fixed · 1 year · owner occupied · interest only · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.34%9.02%Fixed · 1 year · owner occupied · interest only · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.04%7.08%Fixed · 2 years · owner occupied · interest only · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.24%8.74%Fixed · 2 years · owner occupied · interest only · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
7.14%7.18%Fixed · 2 years · owner occupied · interest only · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.34%8.84%Fixed · 2 years · owner occupied · interest only · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.29%7.18%Fixed · 3 years · owner occupied · interest only · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.49%8.66%Fixed · 3 years · owner occupied · interest only · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
7.39%7.28%Fixed · 3 years · owner occupied · interest only · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.59%8.76%Fixed · 3 years · owner occupied · interest only · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.49%7.31%Fixed · 4 years · owner occupied · interest only · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.69%8.61%Fixed · 4 years · owner occupied · interest only · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
7.59%7.41%Fixed · 4 years · owner occupied · interest only · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.79%8.71%Fixed · 4 years · owner occupied · interest only · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.49%7.36%Fixed · 5 years · owner occupied · interest only · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.69%8.52%Fixed · 5 years · owner occupied · interest only · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
7.59%7.46%Fixed · 5 years · owner occupied · interest only · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.79%8.62%Fixed · 5 years · owner occupied · interest only · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
6.74%7.02%Fixed · 1 year · owner occupied · principal and interest · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
6.94%8.88%Fixed · 1 year · owner occupied · principal and interest · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
6.84%7.12%Fixed · 1 year · owner occupied · principal and interest · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.04%8.98%Fixed · 1 year · owner occupied · principal and interest · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.14%7.42%Fixed · 1 year · owner occupied · principal and interest · LVR 80%–95%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.34%9.28%Fixed · 1 year · owner occupied · principal and interest · LVR 80%–95%
Not compared in rate tables
CDR1 Nov 2026
6.74%7.03%Fixed · 2 years · owner occupied · principal and interest · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
6.94%8.67%Fixed · 2 years · owner occupied · principal and interest · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
6.84%7.13%Fixed · 2 years · owner occupied · principal and interest · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.04%8.77%Fixed · 2 years · owner occupied · principal and interest · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.14%7.43%Fixed · 2 years · owner occupied · principal and interest · LVR 80%–95%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.34%9.07%Fixed · 2 years · owner occupied · principal and interest · LVR 80%–95%
Not compared in rate tables
CDR1 Nov 2026
6.94%7.10%Fixed · 3 years · owner occupied · principal and interest · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.14%8.55%Fixed · 3 years · owner occupied · principal and interest · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
7.04%7.20%Fixed · 3 years · owner occupied · principal and interest · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.24%8.65%Fixed · 3 years · owner occupied · principal and interest · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.34%7.50%Fixed · 3 years · owner occupied · principal and interest · LVR 80%–95%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.54%8.94%Fixed · 3 years · owner occupied · principal and interest · LVR 80%–95%
Not compared in rate tables
CDR1 Nov 2026
7.09%7.18%Fixed · 4 years · owner occupied · principal and interest · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.29%8.45%Fixed · 4 years · owner occupied · principal and interest · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
7.19%7.28%Fixed · 4 years · owner occupied · principal and interest · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.39%8.55%Fixed · 4 years · owner occupied · principal and interest · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.49%7.58%Fixed · 4 years · owner occupied · principal and interest · LVR 80%–95%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.69%8.85%Fixed · 4 years · owner occupied · principal and interest · LVR 80%–95%
Not compared in rate tables
CDR1 Nov 2026
7.14%7.24%Fixed · 5 years · owner occupied · principal and interest · LVR 70% or less
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.34%8.35%Fixed · 5 years · owner occupied · principal and interest · LVR 70% or less
Not compared in rate tables
CDR1 Nov 2026
7.24%7.34%Fixed · 5 years · owner occupied · principal and interest · LVR 70%–80%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.44%8.45%Fixed · 5 years · owner occupied · principal and interest · LVR 70%–80%
Not compared in rate tables
CDR1 Nov 2026
7.54%7.63%Fixed · 5 years · owner occupied · principal and interest · LVR 80%–95%
Package rate: an annual package fee usually applies
Not compared in rate tables
CDR1 Nov 2026
7.74%8.74%Fixed · 5 years · owner occupied · principal and interest · LVR 80%–95%
Not compared in rate tables
CDR1 Nov 2026
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Source

CDR officialConsumer Data Right product dataShow where this comes from
Fetched
1 Nov 2026
URL
https://digital-api.westpac.com.au/cds-au/v1/banking/products/HLFixed
Content hash
sha256 a5ff653c5951bf89725850b6bfc01fc0c95af5c414373cae78d06009ff075938
Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_a5ff653c5951bf89_2a9350e3Show details
Checked
1 Nov 2026
URL
https://digital-api.westpac.com.au/cds-au/v1/banking/products/HLFixed
Content hash
sha256 a5ff653c5951bf89725850b6bfc01fc0c95af5c414373cae78d06009ff075938
Excerpt
—
Rule version
mapper@0.1.2

Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.

Fees

FeeTypeAmount
Annual Package FeePeriodic$395.00
Lending Establishment FeeUpfront$600.00
Monthly Loan Account FeePeriodic$8.00
Fixed Rate - Lock-In FeeEvent0.10%
Lenders Mortgage Insurance PremiumUpfrontSet in your letter of offer
Bank Cheque Issuance FeeEvent$10.00
Break Cost FeeEventSet in your letter of offer
Missed Payment FeeLate payment$15.00
Account Overdrawn FeeEvent$15.00
Document Processing FeeEvent$100.00
Property Valuer FeeEventSet in your letter of offer
Loan Discharge FeeExit$350.00
Extra repaymentsEvent$0.00
RedrawEvent$0.00
Repayment holidays or Reduced RepaymentsEvent$0.00
Construction loan optionEvent$0.00
Portability optionEvent$0.00
Loan switchingEvent$0.00
Split Loan FeeEvent$0.00

Features and eligibility

ItemValueDetails
OtherPeace 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.
Complementary product discountsHandy loan options - You can choose to lock in today's rate (fee applies), package and save for a $395 package fee or split your loan. Eligibility criteria, T&Cs apply.
RedrawPrepay or redraw - Repay weekly, fortnightly or monthly. Plus, prepay or redraw up to $30,000 during your fixed term, with no break costs.
OtherSplit loan option
OtherKeep your loan - Selling and buying a new home? Take your loan and rate with you and pay no break costs. Conditions apply.
OtherThe product includes a combination loan feature.
OtherThe product provides options which includes repayment holiday, portability, progressive drawdown, parental guarantee and lenders mortgage insurance.
OtherThe product provides switching (from another product) feature
OtherLoan Payment Method - Direct Debit (preferred), Direct Credit, Branch Payment, Internet or Phone Banking
OtherRepayment types: Principal and Interest, Interest Only, or Interest Only in Advance
OtherRepayment frequencies includes weekly, fortnightly or monthly.
Extra repaymentsSubject to terms and conditions, this product includes extra repayment features.
Fraud protectionThe product includes fraud protection features.
GuarantorSubject to terms and conditions, this product includes guarantor features.
Relationship managementRelationship management is available for eligible customers.
OtherCancellation 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.
OtherStatements of account: We will send you a statement of your loan account at least every six months or more frequently if you request
OtherComparison 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 charges. Different terms, fees or other loan amounts might result in a different comparison rate.
OtherBreak costs on fixed loan prepayments and switching: customers can make total prepayments of up to $30,000 (cumulative) for fixed loans, without costs or fees applying. You may incur a break cost and administration fee if your prepayments exceed this threshold, or if at any time before the end of a fixed rate period you switch to another product, interest rate (fixed or variable) or repayment type.
OtherRate Lock: We'll apply the fixed rate available on the loan settlement date or the date your fixed rate term starts, unless you lock a fixed rate on your loan using our Rate Lock feature. The fixed rate lock-in fee is 0.10% of your loan amount. At the end of the fixed rate term, the interest rate will roll onto our standard variable home loan interest rate, unless a new fixed rate term's selected and then the fixed rate is determined two business days before the end of the fixed term.
OtherHome and Landlord Insurance: Premier Advantage Package customers may be eligible for an ongoing premium discount of up to 10% on their Westpac Home and Landlord Insurance policies. T&Cs applies
Eligibility: min age1818+ years old
Eligibility: residency statusAn Australian citizen or permanent resident
Eligibility: employment statusEmployed or self-employed
Eligibility: otherIndividuals, Companies, Discretionary or Family Trusts (Individual or non-individual trustees)
Limit: min lvr0.00
Limit: max lvr0.95
Limit: min limit15000.00
Limit: other
Limit: other

Rate history

RateFromToRate p.a.Comparison
Fixed · 5 years · owner occupied · principal and interest · LVR 80%–95%1 Nov 2026Current7.54%7.63%
Fixed · 4 years · investment · principal and interest · LVR 70% or less1 Nov 2026Current7.54%8.88%
Fixed · 1 year · investment · principal and interest · LVR 70% or less1 Nov 2026Current6.84%7.21%
Fixed · 4 years · owner occupied · interest only · LVR 70%–80%1 Nov 2026Current7.59%7.41%
Fixed · 5 years · investment · interest only · LVR 70%–80%1 Nov 2026Current7.49%8.94%
Fixed · 5 years · investment · interest only · LVR 80%–95%1 Nov 2026Current7.59%7.89%
Fixed · 3 years · investment · interest only · LVR 70% or less1 Nov 2026Current6.99%7.32%
Fixed · 3 years · investment · principal and interest · LVR 70%–80%1 Nov 2026Current7.19%7.38%
Fixed · 1 year · investment · principal and interest · LVR 80%–95%1 Nov 2026Current7.24%7.60%
Fixed · 1 year · owner occupied · interest only · LVR 70%–80%1 Nov 2026Current7.34%9.02%
Fixed · 2 years · investment · interest only · LVR 70% or less1 Nov 2026Current6.94%7.22%
Fixed · 1 year · investment · interest only · LVR 80%–95%1 Nov 2026Current7.54%9.78%
Fixed · 2 years · investment · interest only · LVR 80%–95%1 Nov 2026Current7.34%9.57%
Fixed · 3 years · investment · principal and interest · LVR 80%–95%1 Nov 2026Current7.69%9.35%
Fixed · 5 years · owner occupied · interest only · LVR 70% or less1 Nov 2026Current7.69%8.52%
Fixed · 3 years · owner occupied · principal and interest · LVR 80%–95%1 Nov 2026Current7.54%8.94%
Fixed · 4 years · owner occupied · principal and interest · LVR 70% or less1 Nov 2026Current7.29%8.45%
Fixed · 1 year · owner occupied · principal and interest · LVR 70%–80%1 Nov 2026Current6.84%7.12%
Fixed · 4 years · investment · interest only · LVR 70%–80%1 Nov 2026Current7.29%7.53%
Fixed · 3 years · investment · principal and interest · LVR 70%–80%1 Nov 2026Current7.39%9.06%
Fixed · 2 years · owner occupied · principal and interest · LVR 80%–95%1 Nov 2026Current7.14%7.43%
Fixed · 5 years · investment · interest only · LVR 80%–95%1 Nov 2026Current7.99%9.15%
Fixed · 1 year · investment · interest only · LVR 70% or less1 Nov 2026Current6.94%9.40%
Fixed · 5 years · investment · interest only · LVR 70% or less1 Nov 2026Current7.39%7.43%
Fixed · 2 years · investment · principal and interest · LVR 80%–95%1 Nov 2026Current7.44%9.51%
Fixed · 4 years · investment · interest only · LVR 70% or less1 Nov 2026Current7.59%8.90%
Fixed · 5 years · owner occupied · principal and interest · LVR 70% or less1 Nov 2026Current7.34%8.35%
Fixed · 4 years · investment · interest only · LVR 80%–95%1 Nov 2026Current7.99%9.29%
Fixed · 1 year · owner occupied · principal and interest · LVR 80%–95%1 Nov 2026Current7.14%7.42%
Fixed · 5 years · investment · interest only · LVR 70% or less1 Nov 2026Current7.39%8.84%
Fixed · 1 year · owner occupied · interest only · LVR 70% or less1 Nov 2026Current7.24%8.92%
Fixed · 3 years · owner occupied · principal and interest · LVR 80%–95%1 Nov 2026Current7.34%7.50%
Fixed · 3 years · owner occupied · interest only · LVR 70% or less1 Nov 2026Current7.49%8.66%
Fixed · 5 years · owner occupied · principal and interest · LVR 80%–95%1 Nov 2026Current7.74%8.74%
Fixed · 5 years · investment · principal and interest · LVR 80%–95%1 Nov 2026Current7.94%9.12%
Fixed · 3 years · investment · interest only · LVR 70%–80%1 Nov 2026Current7.49%9.10%
Fixed · 3 years · owner occupied · principal and interest · LVR 70% or less1 Nov 2026Current6.94%7.10%
Fixed · 5 years · investment · interest only · LVR 80%–95%1 Nov 2026Current7.79%7.83%
Fixed · 1 year · owner occupied · principal and interest · LVR 70%–80%1 Nov 2026Current7.04%8.98%
Fixed · 4 years · investment · interest only · LVR 70% or less1 Nov 2026Current7.19%7.43%
Fixed · 4 years · investment · principal and interest · LVR 70%–80%1 Nov 2026Current7.64%8.97%
Fixed · 3 years · investment · interest only · LVR 80%–95%1 Nov 2026Current7.59%9.45%
Fixed · 1 year · investment · interest only · LVR 70%–80%1 Nov 2026Current7.04%7.31%
Fixed · 2 years · investment · interest only · LVR 70% or less1 Nov 2026Current6.74%7.23%
Fixed · 2 years · owner occupied · principal and interest · LVR 70% or less1 Nov 2026Current6.94%8.67%
Fixed · 4 years · investment · interest only · LVR 80%–95%1 Nov 2026Current7.79%9.37%
Fixed · 5 years · investment · principal and interest · LVR 70% or less1 Nov 2026Current7.34%7.43%
Fixed · 1 year · investment · interest only · LVR 70% or less1 Nov 2026Current6.94%7.21%
Fixed · 4 years · investment · interest only · LVR 70%–80%1 Nov 2026Current7.49%9.07%
Fixed · 3 years · owner occupied · interest only · LVR 70%–80%1 Nov 2026Current7.39%7.28%
Fixed · 4 years · investment · interest only · LVR 80%–95%1 Nov 2026Current7.59%7.84%
Fixed · 3 years · investment · interest only · LVR 70%–80%1 Nov 2026Current7.09%7.42%
Fixed · 5 years · investment · interest only · LVR 70% or less1 Nov 2026Current7.59%8.77%
Fixed · 3 years · investment · principal and interest · LVR 80%–95%1 Nov 2026Current7.49%7.68%
Fixed · 2 years · investment · principal and interest · LVR 70%–80%1 Nov 2026Current7.14%9.21%
Fixed · 2 years · investment · interest only · LVR 70%–80%1 Nov 2026Current7.04%9.27%
Fixed · 1 year · investment · principal and interest · LVR 70% or less1 Nov 2026Current7.04%9.37%
Fixed · 2 years · investment · principal and interest · LVR 70%–80%1 Nov 2026Current6.94%7.31%
Fixed · 1 year · owner occupied · principal and interest · LVR 80%–95%1 Nov 2026Current7.34%9.28%
Fixed · 5 years · investment · principal and interest · LVR 70%–80%1 Nov 2026Current7.64%8.82%
Fixed · 2 years · owner occupied · interest only · LVR 70%–80%1 Nov 2026Current7.34%8.84%
Fixed · 5 years · investment · principal and interest · LVR 70%–80%1 Nov 2026Current7.44%7.53%
Fixed · 2 years · investment · interest only · LVR 70% or less1 Nov 2026Current7.14%9.14%
Fixed · 4 years · investment · interest only · LVR 70% or less1 Nov 2026Current7.39%8.97%
Fixed · 4 years · owner occupied · principal and interest · LVR 80%–95%1 Nov 2026Current7.69%8.85%
Fixed · 2 years · investment · interest only · LVR 70%–80%1 Nov 2026Current7.04%7.32%
Fixed · 2 years · investment · principal and interest · LVR 70% or less1 Nov 2026Current6.84%7.21%
Fixed · 1 year · investment · interest only · LVR 80%–95%1 Nov 2026Current7.14%7.62%
Fixed · 4 years · investment · interest only · LVR 70%–80%1 Nov 2026Current7.69%9.00%
Fixed · 5 years · investment · principal and interest · LVR 70% or less1 Nov 2026Current7.54%8.73%
Fixed · 4 years · owner occupied · principal and interest · LVR 80%–95%1 Nov 2026Current7.49%7.58%
Fixed · 3 years · investment · interest only · LVR 70%–80%1 Nov 2026Current7.29%9.15%
Fixed · 1 year · owner occupied · interest only · LVR 70% or less1 Nov 2026Current7.04%7.05%
Fixed · 4 years · investment · principal and interest · LVR 80%–95%1 Nov 2026Current7.74%7.80%
Fixed · 4 years · investment · principal and interest · LVR 70% or less1 Nov 2026Current7.34%7.40%
Fixed · 3 years · investment · interest only · LVR 80%–95%1 Nov 2026Current7.79%9.39%
Fixed · 1 year · investment · principal and interest · LVR 70%–80%1 Nov 2026Current7.14%9.47%
Fixed · 3 years · investment · principal and interest · LVR 70% or less1 Nov 2026Current7.09%7.28%
Fixed · 5 years · investment · interest only · LVR 70%–80%1 Nov 2026Current7.49%7.53%
Fixed · 5 years · owner occupied · interest only · LVR 70%–80%1 Nov 2026Current7.79%8.62%
Fixed · 1 year · owner occupied · principal and interest · LVR 70% or less1 Nov 2026Current6.74%7.02%
Fixed · 4 years · investment · interest only · LVR 70%–80%1 Nov 2026Current7.49%7.49%
Fixed · 2 years · owner occupied · interest only · LVR 70% or less1 Nov 2026Current7.24%8.74%
Fixed · 2 years · owner occupied · principal and interest · LVR 70%–80%1 Nov 2026Current6.84%7.13%
Fixed · 2 years · investment · interest only · LVR 70%–80%1 Nov 2026Current7.24%9.24%
Fixed · 5 years · owner occupied · principal and interest · LVR 70%–80%1 Nov 2026Current7.44%8.45%
Fixed · 2 years · owner occupied · principal and interest · LVR 70%–80%1 Nov 2026Current7.04%8.77%
Fixed · 3 years · owner occupied · interest only · LVR 70%–80%1 Nov 2026Current7.59%8.76%
Fixed · 4 years · owner occupied · principal and interest · LVR 70%–80%1 Nov 2026Current7.39%8.55%
Fixed · 5 years · investment · interest only · LVR 70%–80%1 Nov 2026Current7.29%7.57%
Fixed · 1 year · investment · interest only · LVR 70%–80%1 Nov 2026Current7.04%9.50%
Fixed · 1 year · investment · interest only · LVR 70% or less1 Nov 2026Current6.74%7.22%
Fixed · 3 years · investment · interest only · LVR 70% or less1 Nov 2026Current7.19%7.30%
Fixed · 5 years · owner occupied · principal and interest · LVR 70%–80%1 Nov 2026Current7.24%7.34%
Fixed · 2 years · owner occupied · interest only · LVR 70%–80%1 Nov 2026Current7.14%7.18%
Fixed · 4 years · owner occupied · interest only · LVR 70% or less1 Nov 2026Current7.69%8.61%
Fixed · 2 years · investment · interest only · LVR 80%–95%1 Nov 2026Current7.34%7.61%
Fixed · 5 years · owner occupied · interest only · LVR 70%–80%1 Nov 2026Current7.59%7.46%
Fixed · 2 years · investment · interest only · LVR 70%–80%1 Nov 2026Current6.84%7.33%
Fixed · 1 year · investment · interest only · LVR 70% or less1 Nov 2026Current7.14%9.39%
Fixed · 3 years · investment · interest only · LVR 70% or less1 Nov 2026Current7.19%9.05%
Fixed · 1 year · investment · principal and interest · LVR 80%–95%1 Nov 2026Current7.44%9.77%
Fixed · 5 years · investment · interest only · LVR 70%–80%1 Nov 2026Current7.69%8.86%
Fixed · 2 years · investment · interest only · LVR 80%–95%1 Nov 2026Current7.54%9.53%
Fixed · 3 years · investment · interest only · LVR 70%–80%1 Nov 2026Current7.29%7.39%
Fixed · 1 year · investment · principal and interest · LVR 70%–80%1 Nov 2026Current6.94%7.31%
Fixed · 3 years · investment · interest only · LVR 80%–95%1 Nov 2026Current7.39%7.73%
Fixed · 4 years · owner occupied · principal and interest · LVR 70% or less1 Nov 2026Current7.09%7.18%
Fixed · 4 years · investment · principal and interest · LVR 70%–80%1 Nov 2026Current7.44%7.50%
Fixed · 4 years · investment · principal and interest · LVR 80%–95%1 Nov 2026Current7.94%9.26%
Fixed · 2 years · investment · principal and interest · LVR 80%–95%1 Nov 2026Current7.24%7.60%
Fixed · 2 years · owner occupied · principal and interest · LVR 70% or less1 Nov 2026Current6.74%7.03%
Fixed · 5 years · investment · principal and interest · LVR 80%–95%1 Nov 2026Current7.74%7.83%
Fixed · 3 years · owner occupied · principal and interest · LVR 70% or less1 Nov 2026Current7.14%8.55%
Fixed · 1 year · investment · interest only · LVR 70%–80%1 Nov 2026Current7.24%9.48%
Fixed · 2 years · investment · interest only · LVR 70% or less1 Nov 2026Current6.94%9.17%
Fixed · 1 year · owner occupied · principal and interest · LVR 70% or less1 Nov 2026Current6.94%8.88%
Fixed · 1 year · investment · interest only · LVR 80%–95%1 Nov 2026Current7.34%7.61%
Fixed · 4 years · owner occupied · interest only · LVR 70%–80%1 Nov 2026Current7.79%8.71%
Fixed · 3 years · owner occupied · principal and interest · LVR 70%–80%1 Nov 2026Current7.04%7.20%
Fixed · 4 years · investment · interest only · LVR 80%–95%1 Nov 2026Current7.79%7.79%
Fixed · 3 years · owner occupied · interest only · LVR 70% or less1 Nov 2026Current7.29%7.18%
Fixed · 1 year · investment · interest only · LVR 80%–95%1 Nov 2026Current7.34%9.80%
Fixed · 4 years · owner occupied · interest only · LVR 70% or less1 Nov 2026Current7.49%7.31%
Fixed · 2 years · owner occupied · principal and interest · LVR 80%–95%1 Nov 2026Current7.34%9.07%
Fixed · 5 years · investment · interest only · LVR 70% or less1 Nov 2026Current7.19%7.47%
Fixed · 5 years · owner occupied · principal and interest · LVR 70% or less1 Nov 2026Current7.14%7.24%
Fixed · 3 years · investment · interest only · LVR 80%–95%1 Nov 2026Current7.59%7.69%
Fixed · 4 years · owner occupied · principal and interest · LVR 70%–80%1 Nov 2026Current7.19%7.28%
Fixed · 4 years · investment · interest only · LVR 70% or less1 Nov 2026Current7.39%7.39%
Fixed · 1 year · investment · interest only · LVR 70%–80%1 Nov 2026Current6.84%7.32%
Fixed · 2 years · owner occupied · interest only · LVR 70% or less1 Nov 2026Current7.04%7.08%
Fixed · 5 years · investment · interest only · LVR 80%–95%1 Nov 2026Current7.79%9.24%
Fixed · 2 years · investment · interest only · LVR 80%–95%1 Nov 2026Current7.14%7.64%
Fixed · 5 years · owner occupied · interest only · LVR 70% or less1 Nov 2026Current7.49%7.36%
Fixed · 2 years · investment · principal and interest · LVR 70% or less1 Nov 2026Current7.04%9.12%
Fixed · 1 year · owner occupied · interest only · LVR 70%–80%1 Nov 2026Current7.14%7.15%
Fixed · 3 years · investment · interest only · LVR 70% or less1 Nov 2026Current7.39%9.00%
Fixed · 3 years · owner occupied · principal and interest · LVR 70%–80%1 Nov 2026Current7.24%8.65%
Fixed · 3 years · investment · principal and interest · LVR 70% or less1 Nov 2026Current7.29%8.96%

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