Your home loan options.
Wherever you are in your home ownership journey, we'll help you structure your loan to suits your needs.
Your loan options.
Offset your savings against the balance of your home loan, and only pay the interest on the difference.
Split home loan
Get flexibility and certainty with some of your home loan on a floating rate and the remainder on a fixed rate.
Home loan with Airpoints™
See your Airpoints Dollars™ add up when you earn rewards on your home loan repayments.
Westpac Warm Up loan
Get up to $10,000 interest free for five years to invest in making your home warmer, dryer and more energy efficient.
Help with your first home.
* 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.
Get in touch.
Meet with an expert
Our Mobile Mortgage Managers can come to you, when it suits you best.
Talk to us
Make an appointment to talk to a home loan expert in 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.
You must be a member of Air New Zealand's Airpoints programme to be eligible to earn Airpoints Dollars. Airpoints terms and conditions apply.
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
- Choices Home Loan with Airpoints Special Conditions
- Air New Zealand Airpoints Terms and Conditions
- Transaction and Service Fees
View terms and conditions for all our home lending products here.