Home loans.
Planning to buy, build or renovate? Whatever your property goals, we can get you there sooner.
How can we help?
I’ve got a Westpac home loan
Manage your current home loanI’ve got a home loan somewhere else
Move your home loan to WestpacI’m buying my first home
Visit our First Home Buyer’s hubI’m looking to buy my next home
Plan your next moveI'm looking to pay off my home loan sooner
How to pay off your home loan fasterI’m building or renovating
Understand all your optionsI'm looking to make my home warmer, drier & more energy efficient
Learn about Greater Choices Home LoanI’m looking to invest
Read our property investment guidesYour loan options.
* Minimum 20% equity, plus salary credit to a Westpac transaction account. Not available with any other Westpac home loan offers, or promotions or package discounts. Loans for business or Investment purposes excluded.
Lending criteria, terms and conditions, apply to home loans.
For home loans with less than 20% equity, a low equity margin may apply, see low equity margins explained for more details on how this is applied.
Interest rates are subject to change without notice.
If you don’t pay amounts when they’re due, your home loan account may exceed its limit and the interest rate applied to the over limit amount will be your annual interest rate plus an additional 5% p.a.
^ Standard transaction fees may apply. See Choices Home Loan account fees.
Experts who understand your goals.
Let’s help you work out ways to reduce costs, offer more flexibility and make your next move sooner than you think.
Already have a home loan with Westpac?
Have a home loan elsewhere?
Calculators.
See all calculatorsHow much will my repayments be?
Crunch the numbers to see what your repayments would be on a new loan.

Low deposit options to help you get into your first home sooner.
You don’t always need a 20% deposit to buy your first home. Explore our range of low deposit options to get closer to a home you can call your own.
Already bank with us? Apply online.
The fastest way for existing customers to apply for a home loan is in Westpac One®.
Things you should know.
Interest rates are subject to change without notice. Westpac's home loan lending criteria, terms and conditions apply. A low equity margin may apply.