Eligible customers have the flexibility to increase1 or decrease loan repayments within the terms of their loan agreement at any time in Westpac One® online banking - at no charge.

  • Once logged in to Westpac One, select your relevant home loan account that you'd like to update
  • Select the 'Details' tab and click on 'Change repayment'
  • Use the slider to tailor your repayments to your needs, then click 'Continue'
  • Read and accept the 'Terms & Conditions'.

Things you should know.

For Choices Fixed home loan rates, an increase in loan repayment is capped at 20% of the minimum repayment. The increased repayment amount must not result in the loan being repaid in full within the fixed period.