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Home loans.

Planning to buy, build or renovate? Whatever your property goals, we're here to help guide you through your journey.

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New legislation means you may notice a change in applications for home loans, personal loans, overdrafts and credit cards. They’re likely to take longer to process and you may need to provide more information than before, even if you already bank with us. Find out more.

What's your next move?

Featured rates.

See all rates and terms

* 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.

Managing your home loan.

Flexible ways to manage and repay a Westpac home loan - all in one handy place.

Find out how

Calculators.

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How much can I afford?

Get an idea of how much you could borrow using our affordability calculator.

Try the affordability calculator

How much will my repayments be?

Work out how much your home loan repayments might be.

Try the repayment calculator

Get in touch.

Meet with an expert

Our Mobile Mortgage Managers can come to you, when it suits you best.

Find a Mobile Mortgage Manager

Talk to us

Call us from 8am to 6pm Monday to Friday, 9am to 3pm Saturday.

Call 0800 177 277

Visit us

Make an appointment to talk to a home loan expert in branch.

Find your nearest branch

Things you should know.

Interest rates are subject to change without notice. Westpac's home loan lending criteria, terms and conditions apply. An establishment fee may apply. A low equity margin may apply.