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Fix or refix a new rate and be in to win $10,000.
It takes minutes to fix or refix your home loan in Westpac One® digital banking.
Imagine a $10,000 cash bonus.
Fix or refix your home loan by 30 September 2026 and go in the draw to win one of five $10,000 cash prizes. We’ll pay the prize directly into the winners' Westpac transaction account. Winners must have a Westpac Choices Fixed or Westpac Choices Floating home loan and have refixed or locked in their rate by 30 September 2026.
Minutes to refix your home loan.
Log in to Westpac One
Choose your great rate
We take care of the rest
Featured rates.
Log in to Westpac One to access your great online rate or check out all our other home loan interest rates.
* 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.
Other ways your home loan can work for you.
Discover all our home loan options
More flexibility with a floating rate
Choices Floating is a flexible loan where the interest rate moves with the market, and you can pay off lump sums without prepayment costs.
Best of both worlds by splitting
Get both flexibility and certainty with some of your home loan on a floating rate and the rest on a fixed rate.
Offsetting your savings against your home loan
With Choices Offset Floating, you can offset your savings against your home loan and only pay interest on the difference. It could help you pay off your home loan sooner while saving thousands on interest repayments.
Calculators.
Check out our calculators
How much will my repayments be?
Work out how much your home loan repayments might be.
Split my home loan
Combine flexibility and certainty with a split home loan. See how much interest you could save.
To fix or float? We can help.
Fix a new rate online
If you're eligible, log in to Westpac One digital banking to fix a new rate within 60 days of your fixed term end date, or any time while on floating.
Things you should know.
To be eligible for the prize draw, home loans must be fixed, refixed or rate locked by 30 September 2026. Interest rates are subject to change without notice. A low equity margin may apply. Prize draw terms and conditions, Westpac home lending criteria and other T&Cs apply.
Entry into this prize draw constitutes acceptance of the following terms and conditions:
Entry period: 18 August 2026 to 30 September 2026 at 11.59pm NZT. To automatically enter the prize draw for one in five chances of $10,000 cash, the participant must have a Westpac Choices Fixed or Westpac Choices Floating home loan and have refixed their rate or locked in their rate before 30 September 2026, 11.59pm NZT. Winners must have or open a Westpac transaction account to receive the prize. Limited to 1 entry per home loan. Winners will be randomly drawn on 11 November 2026. Five winners will be drawn. Limited to one person per prize. Winners will be notified by phone on or about 11 November 2026. If a winner is not reasonably able to be contacted within 5 days of the prize draw, the prize shall be redrawn. The prize is non-transferable, non-refundable, non-exchangeable. Westpac may substitute the prize or any portion of the prize with an alternative prize of equivalent value without notice. If Westpac cannot run the prize draw as planned, Westpac may extend the entry period or postpone or cancel the prize draw. If so, you will be notified by email. Westpac may disqualify an entrant for (a) tampering with the entry process; (b) submitting an entry that is not in accordance with these terms and conditions; or (c) engaging in any conduct calculated to jeopardise the fair and proper conduct of the promotion. All decisions made by Westpac are final and no correspondence will be entered into. You are fully responsible for any tax implications arising from accepting the prize.
1 A fee of $25 will apply to break or change a rate lock agreement. If you change your mind after fixing a new rate through Westpac One digital banking, you can change your rate by contacting us at 0800 336 933 up to three business days before the start of your new rate. A $25 rate lock break fee will apply. Usual fixed term prepayment costs will apply to any changes to your new fixed rate from the start date of your new fixed term onwards.
2 Allow three working days for changes to be effective. Eligibility criteria applies.
Interest rates and fees are subject to change without notice.
Westpac's eligibility criteria, home loan lending criteria, terms and conditions apply. A low equity margin may apply.
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
- Westpac General Terms and Conditions
View terms and conditions for all our home lending products.