Westpac home loan rates
WESTPAC BANKING CORPORATION · ACL 233714 · Bank
Rates as at 2026-10-20. 199 rates across 20 products.
Variable rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Flexi First Option Home Loan - Veterans | 3.25% | — | Variable | Owner occupier | P&I | — |
| Sustainable Upgrades Home Loan | 4.74% | 4.74% | Variable | Owner occupier | P&I | — |
| Sustainable Upgrades Investment Loan | 4.74% | 4.74% | Variable | Investment | P&I | — |
| Flexi First Option — Variable OO P&I ≤70% (Online) | 5.74% | 5.75% | Variable | Owner occupier | P&I | LVR ≤70% |
| Flexi First Option — Variable OO P&I ≤80% (Online) | 5.84% | 5.85% | Variable | Owner occupier | P&I | LVR ≤80% |
| Premier Advantage Package — Variable OO P&I | 5.89% | 6.22% | Variable | Owner occupier | P&I | LVR ≤80% |
| Flexi First Option — Variable Investor P&I ≤70% | 5.99% | 6.00% | Variable | Investment | P&I | LVR ≤70% |
| Flexi First Option — Variable OO IO ≤80% | 6.09% | 6.10% | Variable | Owner occupier | Interest only | LVR ≤80% |
| Flexi First : Our lowest online variable home loan rate (Owner Occupied) (2 tiers) | 6.24–6.69% | 6.25–6.70% | Variable | Owner occupier | P&I | LVR <=70% |
| Flexi First : Our lowest online variable home loan rate (Owner Occupied) (2 tiers) | 6.34–6.79% | 6.35–6.80% | Variable | Owner occupier | P&I | LVR 70-80% |
| Flexi First Option — Variable Investor IO ≤80% | 6.34% | 6.35% | Variable | Investment | Interest only | LVR ≤80% |
| Flexi First : Our lowest online variable home loan rate (Investor) (2 tiers) | 6.39–6.99% | 6.40–7.00% | Variable | Investment | P&I | LVR <=70% |
| Flexi First : Our lowest online variable home loan rate (Investor) (2 tiers) | 6.49–7.09% | 6.50–7.10% | Variable | Investment | P&I | LVR 70-80% |
| Flexi First : Our lowest online variable home loan rate (Investor) (2 tiers) | 6.64–7.49% | 6.26–7.21% | Variable | Investment | Interest only | LVR <=70% |
| Rocket Loan : Variable Home Loan with Offset (Owner Occupied) (2 tiers) | 6.64–8.98% | 7.01–9.12% | Variable | Owner occupier | P&I | LVR <=70% |
| Flexi First : Our lowest online variable home loan rate (Investor) (2 tiers) | 6.74–7.59% | 6.36–7.31% | Variable | Investment | Interest only | LVR 70-80% |
| Rocket Loan : Variable Home Loan with Offset (Owner Occupied) (2 tiers) | 6.74–9.08% | 7.11–9.22% | Variable | Owner occupier | P&I | LVR 70-80% |
| Rocket Loan : Variable Home Loan with Offset (Investor) (2 tiers) | 6.84–9.53% | 7.21–9.67% | Variable | Investment | P&I | LVR <=70% |
| Flexi First : Our lowest online variable home loan rate (Owner Occupied) (2 tiers) | 6.93–8.39% | 5.97–7.18% | Variable | Owner occupier | Interest only | LVR <=70% |
| Rocket Loan : Variable Home Loan with Offset (Investor) (2 tiers) | 6.94–9.63% | 7.31–9.77% | Variable | Investment | P&I | LVR 70-80% |
| Flexi First : Our lowest online variable home loan rate (Owner Occupied) (2 tiers) | 7.03–8.49% | 6.07–7.28% | Variable | Owner occupier | Interest only | LVR 70-80% |
| Rocket Loan : Variable Home Loan with Offset (Owner Occupied) (2 tiers) | 7.04–9.38% | 7.41–9.52% | Variable | Owner occupier | P&I | LVR 80-95% |
| Flexi First : Our lowest online variable home loan rate (Owner Occupied) | 7.09% | 7.10% | Variable | Owner occupier | P&I | LVR 80-95% |
| Rocket Loan : Variable Home Loan with Offset (Investor) (2 tiers) | 7.10–9.79% | 7.35–9.85% | Variable | Investment | Interest only | LVR <=70% |
| Rocket Loan : Variable Home Loan with Offset (Investor) (2 tiers) | 7.20–9.89% | 7.45–9.95% | Variable | Investment | Interest only | LVR 70-80% |
| Rocket Loan : Variable Home Loan with Offset (Owner Occupied) (2 tiers) | 7.23–9.57% | 7.25–9.39% | Variable | Owner occupier | Interest only | LVR <=70% |
| Rocket Loan : Variable Home Loan with Offset (Investor) (2 tiers) | 7.24–9.93% | 7.60–10.07% | Variable | Investment | P&I | LVR 80-95% |
| Rocket Loan : Variable Home Loan with Offset (Owner Occupied) (2 tiers) | 7.33–9.67% | 7.35–9.49% | Variable | Owner occupier | Interest only | LVR 70-80% |
| Flexi First : Our lowest online variable home loan rate (Investor) | 7.39% | 7.40% | Variable | Investment | P&I | LVR 80-95% |
| Rocket Loan : Variable Home Loan with Offset (Investor) (2 tiers) | 7.50–10.19% | 7.75–10.25% | Variable | Investment | Interest only | LVR 80-90% |
| Flexi First : Our lowest online variable home loan rate (Investor) | 7.89% | 7.61% | Variable | Investment | Interest only | LVR 80-90% |
| Premium Options Home Loan | 9.08% | — | Variable | Investment | P&I | — |
| Bridging Home Loan | 9.57% | 9.39% | Variable | Owner occupier | Interest only | LVR <=70% |
| Variable Rate Investment Property Loan | 9.63% | — | Variable | Investment | P&I | — |
| Bridging Home Loan | 9.67% | 9.49% | Variable | Owner occupier | Interest only | LVR 70-80% |
| Premium Options Home Loan | 9.67% | — | Variable | Investment | Interest only | — |
| Variable Rate Investment Property Loan | 9.89% | — | Variable | Investment | Interest only | — |
Fixed rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Premier Advantage Package — Fixed OO P&I 2yr | 6.14% | 6.48% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR ≤80% |
| Premier Advantage Package — Fixed Investor P&I 2yr | 6.39% | 6.73% | Fixed | Investment | P&I | 2 yr fixed · LVR ≤80% |
| Premier Advantage Package — Fixed Investor IO 2yr | 6.64% | 6.98% | Fixed | Investment | Interest only | 2 yr fixed · LVR ≤80% |
| Fixed Rate Home Loan (2 tiers) | 6.74–6.94% | 7.00–9.18% | Fixed | Investment | Interest only | 1 yr fixed · LVR <=70% · interest in advance |
| Fixed Rate Home Loan (2 tiers) | 6.74–6.94% | 7.03–8.98% | Fixed | Investment | Interest only | 2 yr fixed · LVR <=70% · interest in advance |
| Fixed Rate Home Loan (2 tiers) | 6.74–6.94% | 6.80–8.66% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR <=70% |
| Fixed Rate Home Loan (2 tiers) | 6.74–6.94% | 6.84–8.48% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <=70% |
| Fixed Rate Home Loan (2 tiers) | 6.84–7.04% | 6.99–9.16% | Fixed | Investment | P&I | 1 yr fixed · LVR <=70% |
| Fixed Rate Home Loan (2 tiers) | 6.84–7.04% | 7.01–8.93% | Fixed | Investment | P&I | 2 yr fixed · LVR <=70% |
| Fixed Rate Home Loan (2 tiers) | 6.84–7.04% | 7.10–9.28% | Fixed | Investment | Interest only | 1 yr fixed · LVR 70-80% · interest in advance |
| Fixed Rate Home Loan (2 tiers) | 6.84–7.04% | 7.13–9.08% | Fixed | Investment | Interest only | 2 yr fixed · LVR 70-80% · interest in advance |
| Fixed Rate Home Loan (2 tiers) | 6.84–7.04% | 6.90–8.76% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR 70-80% |
| Fixed Rate Home Loan (2 tiers) | 6.84–7.04% | 6.93–8.58% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR 70-80% |
| Fixed Rate Home Loan (2 tiers) | 6.94–7.14% | 7.09–9.25% | Fixed | Investment | P&I | 1 yr fixed · LVR 70-80% |
| Fixed Rate Home Loan (2 tiers) | 6.94–7.14% | 7.11–9.02% | Fixed | Investment | P&I | 2 yr fixed · LVR 70-80% |
| Fixed Rate Home Loan (2 tiers) | 6.94–7.14% | 6.99–9.17% | Fixed | Investment | Interest only | 1 yr fixed · LVR <=70% |
| Fixed Rate Home Loan (2 tiers) | 6.94–7.14% | 7.02–8.95% | Fixed | Investment | Interest only | 2 yr fixed · LVR <=70% |
| Fixed Rate Home Loan (2 tiers) | 6.94–7.14% | 6.92–8.38% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=70% |
| Fixed Rate Home Loan (2 tiers) | 6.99–7.19% | 7.14–8.88% | Fixed | Investment | Interest only | 3 yr fixed · LVR <=70% · interest in advance |
| Fixed Rate Home Loan (2 tiers) | 7.04–7.24% | 7.09–9.27% | Fixed | Investment | Interest only | 1 yr fixed · LVR 70-80% |
| Fixed Rate Home Loan (2 tiers) | 7.04–7.24% | 7.12–9.05% | Fixed | Investment | Interest only | 2 yr fixed · LVR 70-80% |
| Fixed Rate Home Loan (2 tiers) | 7.04–7.24% | 7.02–8.48% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR 70-80% |
| Fixed Rate Home Loan (2 tiers) | 7.04–7.24% | 6.83–8.70% | Fixed | Owner occupier | Interest only | 1 yr fixed · LVR <=70% |
| Fixed Rate Home Loan (2 tiers) | 7.04–7.24% | 6.88–8.55% | Fixed | Owner occupier | Interest only | 2 yr fixed · LVR <=70% |
| Fixed Rate Home Loan (2 tiers) | 7.09–7.29% | 7.11–8.80% | Fixed | Investment | P&I | 3 yr fixed · LVR <=70% |
| Fixed Rate Home Loan (2 tiers) | 7.09–7.29% | 7.24–8.98% | Fixed | Investment | Interest only | 3 yr fixed · LVR 70-80% · interest in advance |
| Fixed Rate Home Loan (2 tiers) | 7.09–7.29% | 7.03–8.31% | Fixed | Owner occupier | P&I | 4 yr fixed · LVR <=70% |
| Fixed Rate Home Loan (2 tiers) | 7.14–7.34% | 7.10–8.22% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR <=70% |
| Fixed Rate Home Loan (2 tiers) | 7.14–7.34% | 6.93–8.80% | Fixed | Owner occupier | Interest only | 1 yr fixed · LVR 70-80% |
| Fixed Rate Home Loan (2 tiers) | 7.14–7.34% | 6.98–8.64% | Fixed | Owner occupier | Interest only | 2 yr fixed · LVR 70-80% |
| Fixed Rate Home Loan (2 tiers) | 7.14–7.34% | 7.62–9.80% | Fixed | Investment | Interest only | 1 yr fixed · LVR 80-95% · interest in advance |
| Fixed Rate Home Loan (2 tiers) | 7.14–7.34% | 7.64–9.57% | Fixed | Investment | Interest only | 2 yr fixed · LVR 80-95% · interest in advance |
| Fixed Rate Home Loan (2 tiers) | 7.14–7.34% | 7.42–9.28% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR 80-95% |
| Fixed Rate Home Loan (2 tiers) | 7.14–7.34% | 7.43–9.07% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR 80-95% |
| Fixed Rate Home Loan (2 tiers) | 7.19–7.39% | 7.21–8.89% | Fixed | Investment | P&I | 3 yr fixed · LVR 70-80% |
| Fixed Rate Home Loan (2 tiers) | 7.19–7.39% | 7.12–8.83% | Fixed | Investment | Interest only | 3 yr fixed · LVR <=70% |
| Fixed Rate Home Loan (2 tiers) | 7.19–7.39% | 7.27–8.81% | Fixed | Investment | Interest only | 4 yr fixed · LVR <=70% · interest in advance |
| Fixed Rate Home Loan (2 tiers) | 7.19–7.39% | 7.33–8.70% | Fixed | Investment | Interest only | 5 yr fixed · LVR <=70% · interest in advance |
| Fixed Rate Home Loan (2 tiers) | 7.19–7.39% | 7.12–8.40% | Fixed | Owner occupier | P&I | 4 yr fixed · LVR 70-80% |
| Fixed Rate Home Loan (2 tiers) | 7.24–7.44% | 7.20–8.32% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR 70-80% |
| Fixed Rate Home Loan (2 tiers) | 7.24–7.44% | 7.60–9.77% | Fixed | Investment | P&I | 1 yr fixed · LVR 80-95% |
| Fixed Rate Home Loan (2 tiers) | 7.24–7.44% | 7.60–9.51% | Fixed | Investment | P&I | 2 yr fixed · LVR 80-95% |
| Fixed Rate Home Loan (2 tiers) | 7.29–7.49% | 7.22–8.93% | Fixed | Investment | Interest only | 3 yr fixed · LVR 70-80% |
| Fixed Rate Home Loan (2 tiers) | 7.29–7.49% | 7.37–8.92% | Fixed | Investment | Interest only | 4 yr fixed · LVR 70-80% · interest in advance |
| Fixed Rate Home Loan (2 tiers) | 7.29–7.49% | 7.43–8.80% | Fixed | Investment | Interest only | 5 yr fixed · LVR 70-80% · interest in advance |
| Fixed Rate Home Loan (2 tiers) | 7.29–7.49% | 7.01–8.49% | Fixed | Owner occupier | Interest only | 3 yr fixed · LVR <=70% |
| Fixed Rate Home Loan (2 tiers) | 7.34–7.54% | 7.24–8.73% | Fixed | Investment | P&I | 4 yr fixed · LVR <=70% |
| Fixed Rate Home Loan (2 tiers) | 7.34–7.54% | 7.30–8.60% | Fixed | Investment | P&I | 5 yr fixed · LVR <=70% |
| Fixed Rate Home Loan (2 tiers) | 7.34–7.54% | 7.61–9.78% | Fixed | Investment | Interest only | 1 yr fixed · LVR 80-95% |
| Fixed Rate Home Loan (2 tiers) | 7.34–7.54% | 7.61–9.53% | Fixed | Investment | Interest only | 2 yr fixed · LVR 80-95% |
| Fixed Rate Home Loan (2 tiers) | 7.34–7.54% | 7.50–8.94% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR 80-95% |
| Fixed Rate Home Loan (2 tiers) | 7.39–7.59% | 7.24–8.76% | Fixed | Investment | Interest only | 4 yr fixed · LVR <=70% |
| Fixed Rate Home Loan (2 tiers) | 7.39–7.59% | 7.29–8.63% | Fixed | Investment | Interest only | 5 yr fixed · LVR <=70% |
| Fixed Rate Home Loan (2 tiers) | 7.39–7.59% | 7.11–8.58% | Fixed | Owner occupier | Interest only | 3 yr fixed · LVR 70-80% |
| Fixed Rate Home Loan (2 tiers) | 7.39–7.59% | 7.73–9.45% | Fixed | Investment | Interest only | 3 yr fixed · LVR 80-95% · interest in advance |
| Fixed Rate Home Loan (2 tiers) | 7.44–7.64% | 7.34–8.83% | Fixed | Investment | P&I | 4 yr fixed · LVR 70-80% |
| Fixed Rate Home Loan (2 tiers) | 7.44–7.64% | 7.40–8.70% | Fixed | Investment | P&I | 5 yr fixed · LVR 70-80% |
| Fixed Rate Home Loan (2 tiers) | 7.49–7.69% | 7.34–8.85% | Fixed | Investment | Interest only | 4 yr fixed · LVR 70-80% |
| Fixed Rate Home Loan (2 tiers) | 7.49–7.69% | 7.39–8.73% | Fixed | Investment | Interest only | 5 yr fixed · LVR 70-80% |
| Fixed Rate Home Loan (2 tiers) | 7.49–7.69% | 7.15–8.46% | Fixed | Owner occupier | Interest only | 4 yr fixed · LVR <=70% |
| Fixed Rate Home Loan (2 tiers) | 7.49–7.69% | 7.22–8.39% | Fixed | Owner occupier | Interest only | 5 yr fixed · LVR <=70% |
| Fixed Rate Home Loan (2 tiers) | 7.49–7.69% | 7.68–9.35% | Fixed | Investment | P&I | 3 yr fixed · LVR 80-95% |
| Fixed Rate Home Loan (2 tiers) | 7.49–7.69% | 7.58–8.85% | Fixed | Owner occupier | P&I | 4 yr fixed · LVR 80-95% |
| Fixed Rate Home Loan (2 tiers) | 7.54–7.74% | 7.63–8.74% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR 80-95% |
| Fixed Rate Home Loan (2 tiers) | 7.59–7.79% | 7.69–9.39% | Fixed | Investment | Interest only | 3 yr fixed · LVR 80-95% |
| Fixed Rate Home Loan (2 tiers) | 7.59–7.79% | 7.25–8.56% | Fixed | Owner occupier | Interest only | 4 yr fixed · LVR 70-80% |
| Fixed Rate Home Loan (2 tiers) | 7.59–7.79% | 7.32–8.48% | Fixed | Owner occupier | Interest only | 5 yr fixed · LVR 70-80% |
| Fixed Rate Home Loan (2 tiers) | 7.59–7.79% | 7.84–9.37% | Fixed | Investment | Interest only | 4 yr fixed · LVR 80-95% · interest in advance |
| Fixed Rate Home Loan (2 tiers) | 7.59–7.79% | 7.89–9.24% | Fixed | Investment | Interest only | 5 yr fixed · LVR 80-95% · interest in advance |
| Fixed Rate Home Loan (2 tiers) | 7.74–7.94% | 7.80–9.26% | Fixed | Investment | P&I | 4 yr fixed · LVR 80-95% |
| Fixed Rate Home Loan (2 tiers) | 7.74–7.94% | 7.83–9.12% | Fixed | Investment | P&I | 5 yr fixed · LVR 80-95% |
| Fixed Rate Home Loan (2 tiers) | 7.79–7.99% | 7.79–9.29% | Fixed | Investment | Interest only | 4 yr fixed · LVR 80-95% |
| Fixed Rate Home Loan (2 tiers) | 7.79–7.99% | 7.83–9.15% | Fixed | Investment | Interest only | 5 yr fixed · LVR 80-95% |
Conditions worth checking. Flexi First Veteran Loan (formerly Defence Service Homes / DSH Loan). Provided by Westpac under an agreement with the Commonwealth; subsidised via DVA. Rate = average market rate less 1.5%, or 3.75%, whichever is lower. MAXIMUM LOAN $25,000 over max 25 years. Requires veteran service eligibility. Co The minimum amount financed is $10,000 | Maximum repayment term 12 months | Eligibility: Applicants can be Individuals or Discretionary or Family Trust ( Individual Trustee only). It is not available to Non-residents, Partnerships, SMSF, Unit trusts (non-individual / non-natural trustees), Companies The minimum amount financed is $10,000 | Maximum repayment term 30 years | Loan Maximum - interest only period 10 years | Eligibility: Applicants can be Individuals, Discretionary or Family Trusts, or Companies (only available if property is occupied by company directors or beneficiaries of the trus