Home loan rates › Westpac
Flexi First: Our lowest online variable home loan rate (Owner Occupied)
Westpac
CDR officialNot ranked in rate tables
Your double you gives you a discounted basic variable home loan rate.
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 |
|---|---|---|---|---|---|
| 6.93% | 5.97% | Variable · owner occupied · interest only · LVR 70% or less | Not compared in rate tables | CDR | 1 Nov 2026 |
| 8.39% | 7.18% | Variable · owner occupied · interest only · LVR 70% or less | Not compared in rate tables | CDR | 1 Nov 2026 |
| 7.03% | 6.07% | Variable · owner occupied · interest only · LVR 70%–80% | Not compared in rate tables | CDR | 1 Nov 2026 |
| 8.49% | 7.28% | Variable · owner occupied · interest only · LVR 70%–80% | Not compared in rate tables | CDR | 1 Nov 2026 |
| 6.24% | 6.25% | Variable · owner occupied · principal and interest · LVR 70% or less | Not compared in rate tables | CDR | 1 Nov 2026 |
| 6.69% | 6.70% | Variable · owner occupied · principal and interest · LVR 70% or less | Not compared in rate tables | CDR | 1 Nov 2026 |
| 6.34% | 6.35% | Variable · owner occupied · principal and interest · LVR 70%–80% | Not compared in rate tables | CDR | 1 Nov 2026 |
| 6.79% | 6.80% | Variable · owner occupied · principal and interest · LVR 70%–80% | Not compared in rate tables | CDR | 1 Nov 2026 |
| 7.09% | 7.10% | Variable · owner occupied · principal and interest · LVR 80%–95% | 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/HLVariableFlexiOwnerOccupied- Content hash
sha256 278272ef05a2a77127995bbaff44e19079bed9f9ab4f937b998b9e29c9853500- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_278272ef05a2a771_6e309bf0Show details
- Checked
- 1 Nov 2026
- URL
https://digital-api.westpac.com.au/cds-au/v1/banking/products/HLVariableFlexiOwnerOccupied- Content hash
sha256 278272ef05a2a77127995bbaff44e19079bed9f9ab4f937b998b9e29c9853500- 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 | $0.00 |
| Bank Cheque Issuance Fee | Event | $10.00 |
| Monthly Loan Account Fee | Periodic | $0.00 |
| 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 |
| Lenders Mortgage Insurance Premium | Upfront | Set in your letter of offer |
| Property Valuer Fee | Event | Set in your letter of offer |
| Extra repayments | Event | $0.00 |
| Redraw | Event | $0.00 |
| Repayment holidays or Reduced Repayments | Event | $0.00 |
| Construction loan option | Event | $0.00 |
| Portability option | Event | $0.00 |
| Loan switching | Event | $0.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Redraw | Access extra funds: Redraw your extra repayments whenever you need. Just make sure redraw is activated. You can even apply for a loan increase. | |
| Other | Repay faster to save: Pay off your home sooner with unlimited extra repayments. You can choose to repay weekly, fortnightly or monthly. | |
| Other | Simple with low fees: A basic variable loan, with no ongoing fees and a sweet interest rate. We've kept it simple, so no offset is available with this loan. | |
| Other | Handy loan options: Benefit from a loan term of up to 30 years. Split by fixing part of it or reduce repayments for up to 12 months (subject to approval). | |
| Other | ONLINE OFFER: Our lowest online variable rate for Flexi First Option home loan with Principal & Interest (P&I) repayments | |
| Other | Split loan Option | |
| Other | You can apply to increase your home loan using our top up / loan increase feature to pay for things like renovations, home improvements or even a holiday. (fees apply). | |
| Other | 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 charges. Different terms, fees or other loan amounts might result in a different comparison rate. | |
| Other | Loan Payment Method - Direct Debit (preferred), Direct Credit, Branch Payment, Internet or Phone Banking | |
| Other | Repayment frequencies includes weekly, fortnightly or monthly | |
| 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, reduced repayments (incl. parental leave), progressive drawdown, repayment holiday, portability, loan increase (top up), parental guarantee and lenders mortgage insurance | |
| Digital banking | ||
| 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: min age | 18 | 18+ years old |
| Eligibility: residency status | An Australian citizen or permanent resident | |
| Eligibility: natural person | ||
| Eligibility: other | Available to personal customers only. | |
| Eligibility: employment status | Employed or self-employed | |
| Limit: min lvr | 0.00 | |
| Limit: max lvr | 0.95 | |
| Limit: min limit | 25000.00 | |
| Limit: other | ||
| Limit: other |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.24% | 6.25% |
| Variable · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.03% | 6.07% |
| Variable · owner occupied · interest only · LVR 70% or less | 1 Nov 2026 | Current | 8.39% | 7.18% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.34% | 6.35% |
| Variable · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 8.49% | 7.28% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.79% | 6.80% |
| Variable · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 7.09% | 7.10% |
| Variable · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.69% | 6.70% |
| Variable · owner occupied · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.93% | 5.97% |
*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.
Tags
| Tag | Meaning | Effect |
|---|---|---|
rate-selected-by-free-text | Reason this product is not ranked | |
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