Featured rates.

* 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.

Choices Fixed.

Fix your interest rate and be sure your repayments will stay the same.

* 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.

Choices Floating.

Keep your options open and pay off lump sums without extra costs^.

^ Standard transaction fees may apply.

Base rates.

The following base rates are listed for disclosure purposes. For more information on Base Rates and to see which rate applies to your loan, see your loan terms and conditions#.

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

More choices.

Your loan options

Structure your loan so it suits your specific needs.

Learn more

Managing your loan

As life changes you may need to adjust your home loan. We can help.

Learn how

Calculators

See our range of handy home loan calculators to help you decide your best next move.
Calculators

Fees

Find out what fees will apply to your Westpac home loan.

Learn more

Get in touch.

Meet with an expert

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

Find a Mobile Mortgage Manager

Talk to us

Call us any time from 8am - 6pm weekdays, 9am - 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.

1 Conditional approval requires a credit check and confirmation of the details provided in your application. Other conditions may also apply depending on the nature of your application.

Interest rates and fees are subject to change without notice.

Westpac's home loan lending criteria and terms and conditions apply. An establishment charge may apply. A low equity margin may apply. An additional fee or higher interest rate may apply to home loans if the application is accepted but does not meet the standard lending criteria.

Documents and fees

See the detailed terms and conditions, and fees, for our home loans:

View terms and conditions for all our home lending products here.