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Structuring your home loan
Create the home loan that suits you. Combine different interest and repayment options to save you money and protect you if your circumstances change or interest rates increase.
Interest rate types
Fixed, Floating or Capped? Find out about different interest rates and what mix might suit you.
Choose from table, interest only, reducing and revolving credit home loans.
Splitting your home loan
The most flexible option is to keep some of your home loan on a floating interest rate and then split the remainder across fixed and capped rate terms.
Repayment options Q&A
Which home loan options are best for you? See which of the questions you answer yes to.
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.