The Complete Fixed Home Loan Package includes a fixed home loan, up to 9 offset accounts, a credit card and other good stuff - including our great rates.
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 |
|---|---|---|---|---|---|
| 7.09% | 8.39% | Fixed · 1 year · investment · interest only · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.19% | 8.30% | Fixed · 2 years · investment · interest only · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.29% | 8.24% | Fixed · 3 years · investment · interest only · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.34% | 8.19% | Fixed · 4 years · investment · interest only · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.39% | 8.15% | Fixed · 5 years · investment · interest only · LVR 90% or less | CDR | 1 Nov 2026 | |
| 6.89% | 8.37% | Fixed · 1 year · investment · principal and interest · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.99% | 8.14% | Fixed · 1 year · investment · principal and interest · LVR 90%–95% | CDR | 1 Nov 2026 | |
| 6.99% | 8.27% | Fixed · 2 years · investment · principal and interest · LVR 90% or less | CDR | 1 Nov 2026 | |
| 8.09% | 8.19% | Fixed · 2 years · investment · principal and interest · LVR 90%–95% | CDR | 1 Nov 2026 | |
| 7.09% | 8.19% | Fixed · 3 years · investment · principal and interest · LVR 90% or less | CDR | 1 Nov 2026 | |
| 8.19% | 8.25% | Fixed · 3 years · investment · principal and interest · LVR 90%–95% | CDR | 1 Nov 2026 | |
| 7.14% | 8.13% | Fixed · 4 years · investment · principal and interest · LVR 90% or less | CDR | 1 Nov 2026 | |
| 8.24% | 8.31% | Fixed · 4 years · investment · principal and interest · LVR 90%–95% | CDR | 1 Nov 2026 | |
| 7.19% | 8.07% | Fixed · 5 years · investment · principal and interest · LVR 90% or less | CDR | 1 Nov 2026 | |
| 8.29% | 8.37% | Fixed · 5 years · investment · principal and interest · LVR 90%–95% | CDR | 1 Nov 2026 | |
| 7.19% | 7.61% | Fixed · 1 year · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.29% | 7.62% | Fixed · 2 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.39% | 7.65% | Fixed · 3 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.44% | 7.68% | Fixed · 4 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.49% | 7.71% | Fixed · 5 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.69% | 7.56% | Fixed · 1 year · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.09% | 7.60% | Fixed · 1 year · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.49% | 7.56% | Fixed · 1 year · owner occupied · principal and interest · LVR 90%–95% | CDR | 1 Nov 2026 | |
| 8.29% | 8.95% | Fixed · 1 year · owner occupied · principal and interest · LVR 95%–98% | CDR | 1 Nov 2026 | |
| 6.79% | 7.53% | Fixed · 2 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.19% | 7.61% | Fixed · 2 years · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.59% | 7.62% | Fixed · 2 years · owner occupied · principal and interest · LVR 90%–95% | CDR | 1 Nov 2026 | |
| 8.39% | 8.94% | Fixed · 2 years · owner occupied · principal and interest · LVR 95%–98% | CDR | 1 Nov 2026 | |
| 6.89% | 7.52% | Fixed · 3 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.29% | 7.64% | Fixed · 3 years · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.69% | 7.69% | Fixed · 3 years · owner occupied · principal and interest · LVR 90%–95% | CDR | 1 Nov 2026 | |
| 8.49% | 8.95% | Fixed · 3 years · owner occupied · principal and interest · LVR 95%–98% | CDR | 1 Nov 2026 | |
| 6.94% | 7.51% | Fixed · 4 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.34% | 7.66% | Fixed · 4 years · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.74% | 7.75% | Fixed · 4 years · owner occupied · principal and interest · LVR 90%–95% | CDR | 1 Nov 2026 | |
| 8.54% | 8.96% | Fixed · 4 years · owner occupied · principal and interest · LVR 95%–98% | CDR | 1 Nov 2026 | |
| 6.99% | 7.51% | Fixed · 5 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.39% | 7.69% | Fixed · 5 years · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.79% | 7.82% | Fixed · 5 years · owner occupied · principal and interest · LVR 90%–95% | CDR | 1 Nov 2026 | |
| 8.59% | 8.97% | Fixed · 5 years · owner occupied · principal and interest · LVR 95%–98% | 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://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/3e28f2ff9e5f4894bb39ea8a3cfc689a- Content hash
sha256 5f55cea34123d0bbd17eeda1ca23bf64b3022b445e73f3bf99ded08caea94813- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_5f55cea34123d0bb_e4c0e152Show details
- Checked
- 1 Nov 2026
- URL
https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/3e28f2ff9e5f4894bb39ea8a3cfc689a- Content hash
sha256 5f55cea34123d0bbd17eeda1ca23bf64b3022b445e73f3bf99ded08caea94813- 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 |
|---|---|---|
| Application Fee | Upfront | $0.00 |
| Bank Cheque Fee | Transaction | $10.00 |
| Arrears Notice Fee | Event | $35.00 |
| Legal Fees | Event | Set in your letter of offer |
| Mortgage Registration Fee | Upfront | Set in your letter of offer |
| Discharge of Pre-existing Mortgage Registration Fee | Exit | Set in your letter of offer |
| Transfer of Land Registration Fee | Event | Set in your letter of offer |
| Third Party Fees (including legal fees) Associated with the Discharge | Event | Set in your letter of offer |
| Discharge of Mortgage Registration Fee | Exit | Set in your letter of offer |
| Legal Disbursement Fee | Upfront | $350.00 |
| Complete Home Loan Package Fee | Periodic | $395.00 |
| Preparation of Discharge of Mortgage Fee | Exit | $300.00 |
| Discharge Settlement Attendance Fee | Exit | $38.20 |
| Title Production Fee | Event | $130.00 |
| Search Handling Fee | Event | $40.00 |
| Home Loan Portability Fee | Variation | $350.00 |
| Default Administration Fee | Event | $50.00 |
| Loan Increase Fee | Variation | $295.00 |
| Fixed Rate Break Cost | Exit | Set in your letter of offer |
| Fixed Rate Break Administration Fee | Exit | $50.00 |
| Fixed Rate Capping Fee | Upfront | 0.15% |
| Lenders Mortgage Insurance | Upfront | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | Topping up or increasing your home loan is a way to unlock more funds by borrowing against the equity you've built up on your current property. | |
| Other | No valuation fees are payable for customers with a Complete Home Loan Package. | |
| Other | Make weekly or fortnightly repayments, instead of monthly | |
| Complementary product discounts | Credit Card | Choose an optional eligible credit card in the Classic or Platinum or World tier - and pay no annual credit card fee. Other fees and charges may apply. |
| Npp enabled | An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment. | |
| Digital banking | You can start banking with us anytime using the Bankwest App or Bankwest Online Banking. | |
| Extra repayments | Pay off your loan faster by making extra repayments up to $10,000 per year, during your fixed term at no charge. | |
| Other | The Complete Home Loan Package includes a Complete Fixed Home Loan, plus the flexibility to add on features to help you manage your mortgage and money your way. You can choose to add offset accounts and/or an eligible credit card. | |
| Guarantor | A guarantor is someone who agrees to be responsible for repaying a debt owed to us under a loan provided to another individual if the borrower (or borrowers) cannot make their repayments. A guarantor supports the loan by providing us with an additional property as security. By providing a guarantee, we may lend to the borrower in situations where they may not have been able to secure the full amount of the loan they require. Independent legal and financial advice is required for these applications. | |
| Other | Track your application online in real time with our Home Loan Application Tracker. | |
| Other | If you elect to cap the rate, pay the Fixed Rate Cap Fee and, in the capped rate period, the Loan or any part of it is advanced (or, as relevant, the variation to a fixed rate is effected by us), the rate that applies for the fixed interest rate period will be the lesser of the capped rate or the fixed rate at the date the Loan, or any part of it, is advanced (or, as relevant, the variation to a fixed rate effected by us). | |
| Other | If you reduce the limit on a fixed rate loan, fees might apply. We'll get in touch with you to discuss this after you make the request. | |
| Other | Up to 30 years with a fixed term of one to five years. | |
| Other | This loan can be used for the purposes of owner occupied or investment property purchases, refinancing your existing home loan, purchasing of vacant land (non-commercial) and personal needs. | |
| Other | Sufficient security must be an acceptable residential mortgage | |
| Other | If you're worried about fluctuating interest rates, you could choose to fix a portion of your home loan for an agreed term (of one to five years) while keeping the rest variable for extra flexibility. One great benefit of a fixed rate loan is that your repayments won't change for the entirety of the fixed term, which could help you to budget. | |
| Other | Our Complete Fixed and Complete Variable Home Loan Packages let you split or switch between fixed and variable any time. Keep in mind that other fees and charges, such as break fees on a fixed rate loan, may apply. | |
| Notifications | Notifications | Custom alerts are available for mobile personal banking accounts on eligible devices in which you have the Bankwest App installed and notifications enabled. Limited alerts only are available for credit products. |
| Offset | Link up to 9 offset accounts to your Complete Fixed Home Loan. The money in each offset account reduces the balance on which the interest is charged on your home loan. | |
| Other | Principal & Interest or Interest only options are available. | |
| Other | At the end of the fixed rate period, you'll roll on to our Standard Variable Rate, minus the discount outlined in your loan contract. | |
| Eligibility: min age | 18 | Customers must be an individual 18 years or older. |
| Eligibility: natural person | Individuals | |
| Eligibility: other | Australia | Security of the home loan is located in Australia. |
| Eligibility: other | Credit Assessment | Meet Bankwest's credit assessment criteria which includes demonstrating the capacity to make the required repayments and the ability to pay off the loan without substantial hardship. |
| Eligibility: other | Living and working overseas | When both living and working overseas, must be an Australian Citizen; or a New Zealand Citizen; or an Australian permanent resident. |
| Eligibility: residency status | Australian citizen or Australian permanent resident | Be an Australian citizen or Australian permanent resident, or specified temporary resident. (Limited exceptions may apply subject to conditions.) |
| Eligibility: residency status | New Zealand Citizen | Be a New Zealand citizen. |
| Eligibility: residency status | Overseas Citizen | An overseas citizen who is co-borrowing with an Australian citizen or permanent resident. |
| Limit: max lvr | 0.98 | |
| Limit: max lvr | 0.95 | |
| Limit: max lvr | 0.8 | |
| Limit: max lvr | 0.95 | |
| Limit: min lvr | 0 | |
| Limit: min limit | 200000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 2 years · owner occupied · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 7.59% | 7.62% |
| Fixed · 3 years · investment · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 7.09% | 8.19% |
| Fixed · 4 years · investment · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 8.24% | 8.31% |
| Fixed · 5 years · investment · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 8.29% | 8.37% |
| Fixed · 1 year · investment · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 7.99% | 8.14% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.34% | 7.66% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.19% | 7.61% |
| Fixed · 5 years · investment · interest only · LVR 90% or less | 1 Nov 2026 | Current | 7.39% | 8.15% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 95%–98% | 1 Nov 2026 | Current | 8.29% | 8.95% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 95%–98% | 1 Nov 2026 | Current | 8.54% | 8.96% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 7.69% | 7.69% |
| Fixed · 3 years · investment · interest only · LVR 90% or less | 1 Nov 2026 | Current | 7.29% | 8.24% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.09% | 7.60% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 7.49% | 7.56% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.39% | 7.69% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.89% | 7.52% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.69% | 7.56% |
| Fixed · 1 year · investment · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 6.89% | 8.37% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 7.74% | 7.75% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.99% | 7.51% |
| Fixed · 2 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.29% | 7.62% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.79% | 7.53% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 95%–98% | 1 Nov 2026 | Current | 8.49% | 8.95% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 95%–98% | 1 Nov 2026 | Current | 8.59% | 8.97% |
| Fixed · 3 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.39% | 7.65% |
| Fixed · 3 years · investment · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 8.19% | 8.25% |
| Fixed · 1 year · investment · interest only · LVR 90% or less | 1 Nov 2026 | Current | 7.09% | 8.39% |
| Fixed · 5 years · investment · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 7.19% | 8.07% |
| Fixed · 4 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.44% | 7.68% |
| Fixed · 4 years · investment · interest only · LVR 90% or less | 1 Nov 2026 | Current | 7.34% | 8.19% |
| Fixed · 2 years · investment · interest only · LVR 90% or less | 1 Nov 2026 | Current | 7.19% | 8.30% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 7.79% | 7.82% |
| Fixed · 1 year · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.19% | 7.61% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.29% | 7.64% |
| Fixed · 2 years · investment · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 6.99% | 8.27% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.94% | 7.51% |
| Fixed · 5 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.49% | 7.71% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 95%–98% | 1 Nov 2026 | Current | 8.39% | 8.94% |
| Fixed · 2 years · investment · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 8.09% | 8.19% |
| Fixed · 4 years · investment · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 7.14% | 8.13% |
*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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