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Home loan interest rates.
A great rate is a great place to start. Talk to our experts about the best options for you.
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.
If you don’t pay amounts when they are due and this causes your loan account to exceed your limit, the rate of interest that applies to that overlimit amount will be the interest rate + 5% p.a.
Choices Floating.
Keep your options open and pay off lump sums without extra costs^.
^ Standard transaction fees may apply.
If you don’t pay amounts when they are due and this causes your loan account to exceed your limit, the rate of interest that applies to that overlimit amount will be the interest rate + 5% p.a.
1 For existing customers, until 31 October -
Choices Floating Rate remains at 4.59%
Choices Everyday Floating Rate remains at 4.69% p.a.
Choices Offset Floating Rate remains at 4.59% p.a.
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.
If you don’t pay amounts when they are due and this causes your loan account to exceed your limit, the rate of interest that applies to that overlimit amount will be the interest rate + 5% p.a.
1 For existing customers, until 31 October -
Residential Base Rate remains at 4.59%
Transactional Base Rate remains at 4.69% p.a.
Housing Base Rate remains at 4.59% p.a.
More choices.
Calculators
Get in touch.
Meet with an expert
Our Mobile Mortgage Managers can come to you, when it suits you best.
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:
- Choices Home Loan Summary - Sample
- Choices Everyday Home Loan Summary - Sample
- Choices Home Loan Terms and Conditions
- Choices Everyday Home Loan Terms and Conditions
- Transaction and Service Fees
View terms and conditions for all our home lending products here.