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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.
* Min 20% equity, plus salary credit to a Westpac transaction account. Not available with any other Westpac home loan offers, promotions or package discounts. 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.
^ Standard transaction fees may apply. See Choices Home Loan account fees.
Additional features.
Westpac Greater Choices home loan
You could get up to $50,000 interest free for five years to help you create a warmer, drier, healthier and more energy efficient home life.
Choose a mix of heat pumps, hot water heat pumps, wood burners, insulation, double glazing, ventilation, solar power systems and batteries, rainwater tanks as well as electric and hybrid vehicles, plus electric vehicle chargers.
Shared Equity
If you want to buy your first home but only have a small deposit, an option could be to combine the support of a Shared Equity Programme with a Choices Home Loan.
Choices Floating with Offset
Choose to offset your savings against the balance of your Choices Floating Home Loan, and only pay 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.
Help with your first home.
Loans for building.
When planning to build, we have two tailored home loan options to choose from.
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. 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.
Calculators.
Get in touch.
Meet with an expert
Our Mobile Mortgage Managers can come to you, when it suits you best.
Apply online.
Existing customers can apply for a home loan via Westpac One® online banking.
Things you should know.
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 here.