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.

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.

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.

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.

Choices Floating.

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

^ Standard transaction fees may apply. See Choices Home Loan account fees.

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.

Base rates.

The following base rates are listed for disclosure purposes. The Choices Floating interest rates are calculated as: (a base rate times a modifier (if any)) plus a margin (if any). 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 (if any) from time to time.

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.

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 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

Apply online.

Our home loan online application form is temporarily unavailable. We apologise for this inconvenience, however, you can still apply for a home loan through a Mobile Mortgage Manager, calling us on 0800 177 277, or making an appointment at your nearest branch.

Things you should know.

Interest rates and fees 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.

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.