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 cost.

  • 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 Loans, an increase in loan repayment is capped at 20% above the minimum repayment unless a higher regular repayment amount was agreed before the start of your fixed rate period. The increased repayment amount must not result in the loan being repaid in full within the fixed period.