Fix my home loan

If you’re on a floating rate, it’s good to know you have options to make changes to the structure of your home loan to ensure you are getting a great rate.

Contact your local Westpac branch

Contact us to fix your loan

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  > Westpac branches
  > Phone 0800 177 277 (Monday to Friday, 8am to 8:30pm; Saturday 8:30am to 5pm)

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  > mortgage interest rates
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  > split your home loan

Mortgage interest rates are likely to rise over the next one to two years. It’s important to understand the different benefits of floating and fixed rates, so that you can make the right choice for you.
> More about changes to current New Zealand interest rates.
Is your home loan currently on a floating interest rate?
If you’re on a floating rate you have several options.
Remain floating - giving you:  
  - Flexibility to pay off some or the entire floating portion of your loan  
  - Flexibility to change to a fixed rate at any time  
  - The ability to take advantage of low floating interest rates now  
Fix your entire loan - giving you:  
  - Certainty that your rate (and repayments) will remain the same throughout the fixed rate period  
  - You can choose one or a combination of two or more fixed rate periods to ensure you’re getting the right mix for you.  
Split your loan - giving you:  
  - A combination of floating and fixed rate terms  
  - The best of both worlds
> More about split home loans  
Is your fixed rate period coming up to expiry soon?
When your current fixed rate period is near expiry we’ll send you a letter and ask you to contact us to discuss your options.
Then you simply let us know what you would like to do:
continue with another fixed rate period or even select a combination of fixed rates or terms on the one loan
split your loan between floating, fixed or a combination of rates
> More about split home loans
agree to lock in a fixed rate for up to 60 days (before your current fixed rate period expires) to take advantage of a good rate that may be available at the time
make a lump sum payment on your loan at the end of your fixed rate period
I am ready to fix my loan
If you’re ready to fix your loan get in touch with us by:
Dropping in to a Westpac branch
Calling 0800 177 277
Westpac’s home loan lending criteria 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 information on this page is presented subject to our legal page and any other terms and conditions that Westpac may impose from time to time. It is subject to change without notification.
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