The timing couldn’t be better to explore our refinance $3k cashback offer**, great variable rates and ongoing support. This article is all about Westpac Home Loans.
Get started online on Westpac Home Loans.
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
Already started an application? Retrieve your application
Key Fact Sheet for Home Loans
Applying for a Westpac Home Loan (PDF 468KB)
Deposit Accounts for Personal & SMSF customers – Terms & Conditions (PDF 1MB)
Premier Advantage Package Conditions of Use (PDF 1MB)
Featured interest rates
Available on Owner Occupier loans
Variable rate – 2.29% p.a.^ (2.72% p.a. comp. rate*)
A bonus 2-year discounted variable rate on a new Flexi First Option Home Loan with P&I repayments. Includes a 1.64% p.a. discount for 2 years from loan settlement date reverting to a 1.14% p.a. rate discount thereafter^. Valid from 18 September 2026, excludes internal refinances with Westpac Group.OR
Fixed rate – 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.