Premium Options Home Loan

Westpac

CDR officialNot ranked in rate tables

A variable rate home loan which gives flexibility and a choice of different payment options for owner occupied or personal purposes.

Product data

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

Rates

Rate	Comparison*	Applies to	Conditions	Source	Since
Comparison rate not published. See the lender for this rate.		Variable · investment · interest only	Not compared in rate tables	CDR	1 Nov 2026
Comparison rate not published. See the lender for this rate.		Variable · investment · principal and interest	Not compared in rate tables	CDR	1 Nov 2026

*Comparison rates are calculated on a $150,000 secured loan over a 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. Fees and charges are payable.

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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/HLPremiumOptionHomeloan
Content hash: sha256 e1abc3f51499583dfa738f2f8d4c6a950fbd661f349d604ce15a228f818fdfd7
Rule version: mapper@0.1.2

Consumer Data Right product dataev_cdr_e1abc3f51499583d_2414bca1Show details

Checked: 1 Nov 2026
URL: https://digital-api.westpac.com.au/cds-au/v1/banking/products/HLPremiumOptionHomeloan
Content hash: sha256 e1abc3f51499583dfa738f2f8d4c6a950fbd661f349d604ce15a228f818fdfd7
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

Fee	Type	Amount
Lending Establishment Fee	Upfront	$600.00
Bank Cheque Issuance Fee	Event	$10.00
Monthly Loan Account Fee	Periodic	$8.00
Missed Payment Fee	Late payment	$15.00
Document Processing Fee	Event	$100.00
Account Overdrawn Fee	Event	$15.00
Loan Discharge Fee	Exit	$350.00
Annual Package Fee	Periodic	$395.00
Lenders Mortgage Insurance Premium	Upfront	Set in your letter of offer
Property Valuer Fee	Event	Set in your letter of offer

Features and eligibility

Item	Value	Details
Redraw		The product includes redraw features
Other		A variable rate loan which gives flexibility and a choice of different payment options for owner occupied purposes. The loan can be used for owner occupied residential property purchase, construction of single residential dwelling, refinancing of an existing owner occupied property loan, other investment opportunities (excluding investment property), personal purposes, refinancing of existing loans (debt consolidation)
Complementary product discounts	You save on fees when you choose the Premier Advantage Package, however an annual package fee of $395 applies.
Other		Partial Split: Premium Options Home Loan can be split into the original loan and either; one or two select variable rate or fixed rate loans.
Other		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.
Other		Loan Payment Method - By direct debit (DDR) is preferred
Other		Substituting a security: You may ask us to accept a new mortgage over other land as a substitute for any mortgage which is security for your loan. We may agree to this if you satisfy any reasonable requirements that we have, such as repaying part of the loan amount. We will require the new mortgage to be provided at the same time that the existing mortgage is discharged. We charge a fee for substituting a mortgage or other security.
Other		Statements of account: We will send you a statement of your loan account at least every six months or more frequently if you request
Other		The product provides switching (from another product) feature
Other		This loan can be part of a combination loan
Other		The product provides options which includes BPAY, portability, progressive drawdown, repayment holiday, top-up, reduced payment, lenders mortgage insurance and premier advantage package available
Extra repayments		The product includes extra repayment features.
Fraud protection		The product includes fraud protection features.
Guarantor		Subject to terms and conditions, this product includes guarantor features.
Relationship management		Relationship management is available for eligible customers.
Eligibility: other		Applicants can be Individuals, Discretionary or Family Trusts, or Companies (only available if property is occupied by company directors or beneficiaries of the trust that is not trustees)
Eligibility: other		This loan is only available for owner occupied purposes only that is for Purchase or refinance of Owner Occupied property, Construction/renovations/home improvements, Other investments (excluding investment property), Debt consolidation and Personal use
Eligibility: other		Individuals, Companies, Discretionary or Family Trusts (Individual or non-individual trustees)
Limit: min lvr	0.00
Limit: max lvr	0.95
Limit: min limit	10000.00
Limit: other
Limit: other

Rate history

Rate	From	To	Rate p.a.	Comparison
Variable · investment · principal and interest	1 Nov 2026	Current	Comparison rate not published
Variable · investment · interest only	1 Nov 2026	Current	Comparison rate not published

Tag	Meaning	Effect
`comparison-rate-missing`	Reason this product is not ranked

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