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Fix or refix a new rate.
It takes minutes to fix or refix your home loan in Westpac One® digital banking.
How 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.
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.