Terms.

Choices Fixed interest rates.

3 Min 20% equity, plus salary credit to a Westpac transaction account. Not available with any other Westpac home loan offers, promotions or package discounts, or the Westpac Choices Home Loan with Airpoints™. Loans for business or investment purposes excluded.

If you don’t pay amounts when they’re due, your loan account may exceed its limit and the rate of interest that’ll be applied to the overlimit amount will be the interest rate + 5% p.a.

Choices Floating interest rates.

If you don’t pay amounts when they’re due, your loan account may exceed its limit and the rate of interest that’ll be applied to the overlimit amount will be the interest rate + 5% p.a.

Base rates.

The following base rates are listed for disclosure purposes. The Choices Floating interest rates are calculated as: (a base rate times a modifier (if any)) plus a margin (if any). For more information on base rates and to see which rate applies to your loan, see your loan terms and conditions.

Westpac may change the Base Rate, replace it with a new Base Rate, or change the modifier (if any) or the margin (if any) from time to time.

If you don’t pay amounts when they’re due, your loan account may exceed its limit and the rate of interest that’ll be applied to the overlimit amount will be the interest rate + 5% p.a.

Choices Everyday Home Loan account fees.

Note: Other service fees may still apply. See home lending services fees below.

Choices Home Loan account fees.

*Only applicable on fixed rate Choices Home Loans.

Note: Other service fees may still apply. See home lending services fees below.

Home lending services fees.

1 A prepayment cost may also apply as described in the loan agreement.

2 Additional disbursement charges may apply in some circumstances (includes discharge of securities, release of guarantees/life policies, priorities, variation memorandums that alter security arrangements through acting solicitor and collection of life policies under assignment) or where no solicitor is involved. Quotation is available on request. 

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Things you should know.

Interest rates and fees are subject to change. Westpac's home loan lending criteria, terms and conditions apply. An establishment fee may apply. A low equity margin may apply.