Westpac fixed rate home loans let you lock in an interest rate for between 1 and 5 years, giving you the certainty of knowing what your repayments will be over that time.
Featured fixed interest rates
Available on Owner Occupier loans
1.99% p.a.^^ (3.29% p.a. comp. rate*)
4-year Owner Occupier Fixed Options Home Loan with P&I repayments on the Premier Advantage Package# ($395 annual package fee applies). Available for new loans as well as existing variable rate home loan customers looking to fix all or part of their loans. OR
2.09% p.a.^^ (3.50% p.a. comp. rate*)
2-year Owner Occupier Fixed Options Home Loan with P&I repayments on the Premier Advantage Package# ($395 annual package fee applies). Available for new loans as well as existing variable rate home loan customers looking to fix all or part of their loans. Terms and conditions
Find out more about Westpac Fixed Rate Home Loans
Fixed Rate Home Loan
Essentials
- 2.09% p.a. fixed rate
- 3.50% p.a. comparison rate*
- 2-year fixed rate term
- $395 annual package fee#
- For Owner Occupiers making Principal & Interest repayments
- Available with new fixed rate loans or to existing variable rate loan customers looking to fix all or part of their loan. These rates do not apply to existing fixed rate loans.
Fixed Rate Investment Loan
Essentials
- 2.49% p.a. fixed rate
- 4.00% p.a. comparison rate*
- 2-year fixed rate term
- $395 annual package fee#
- For Investors making Principal & Interest repayments
- Available with new fixed rate loans or to existing variable rate loan customers looking to fix all or part of their loan. These rates do not apply to existing fixed rate loans.
Applying is simple, get started online
Get started online
Apply for a new home loan, conditional approval or switch from another bank. It should only take around 20 minutes to apply.
Learn how much you could borrow
We’ll show you what you could afford to spend on a property and estimated costs involved.
One point of contact
You’ll be assigned a home finance manager who’ll answer all your questions.
Track your progress
Follow your application all the way to settlement and get notifications so you know what’s coming next. Apply online
Fixed interest rates
| Home loan product | Fixed interest rate | Comparison rate* |
|---|---|---|
| Owner occupier: 2 Year Fixed Options Home Loan | 2.09% p.a. | 3.50% p.a. |
| Investor: 2 Year Fixed Rate Investment Property Loan | 2.49% p.a. | 4.00% p.a. |
The above rates are for Principal and Interest repayment loans with the Premier Advantage Package# $395 annual package fee.
Variable interest rates
| Home loan product | Variable interest rate | Comparison rate* |
|---|---|---|
| Owner occupier: Flexi First Option Home Loan (inc. 2yr bonus discount) | 2.29% p.a.1 | 2.72% p.a. |
| Investor: Flexi First Option Home Loan Investment Property Loan (inc. 2yr bonus discount) | 2.59% p.a2 | 3.10% p.a. |
The above rates are for new loans with Principal and Interest repayments. Our Flexi First Option Home Loan includes a 1.64% p.a. discount for two years from the loan settlement date, at the end of the period it will revert to a 1.14% p.a. discount for the remainder of the life of loan. Our Flexi First Option Investment Property Loan includes a 1.89% p.a. discount two years from the loan settlement date, at the end of the period it will revert to a 1.29% p.a. discount for the remainder of the life of loan. Excludes refinances from within Westpac Group.
Looking for home loan rate discounts?
Get interest rate discounts and other benefits with the Westpac Premier Advantage Package#.
The Premier Advantage Package gives you discounts on home loan interest rates. You’ll also pay no establishment or monthly fees on your home loan and no annual card fees on eligible credit cards. Unlock these benefits for $395 a year.