Mortgage interest rates are current and are subject to change without notice. Westpac’s current home loan lending criteria and terms and conditions apply. An establishment charge may apply. A Low Equity Margin may apply. An additional fee or higher interest rate may apply to loans if the application is accepted but does not meet the standard lending criteria. Terms and conditions apply. The five free QV E-Valuer property reports are available with all conditional approvals. The QV report provided is an estimate of the current market value of a property based on local, recent, comparable sales, see www.qv.co.nz for more details. These reports are not registered valuations which may be required by Westpac. Westpac does not accept liability for loss arising out the use of the QV report.