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Your home loan options.
We have a range of options – so you can reach your goals sooner.
Your loan options.
* 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.
^ Standard transaction fees may apply. See Choices Home Loan account fees.
Calculators.
All home loan calculators
How much would my repayments be?
Crunch the numbers to see what your loan repayments would be on a new loan.
How much can I afford?
Find out how much you could borrow and keep your house hunt focused and realistic.
Split my home loan
Calculate how much interest you could save by splitting your loan into different terms and rates.
Sort out your home loan sooner.
Offset a floating rate against your savings
The balance on your savings and everyday accounts can reduce the interest costs on your home loan.
Westpac Greater Choices home loan
Borrow up to $50,000 interest-free for five years to spend on making your home warmer, drier, and more energy-efficient.
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.
Mix it up with floating and fixing
Splitting your loan could give you the right balance of certainty and flexibility.
Low deposit options to help you get into your first home sooner.
You don’t always need a 20% deposit to buy your first home. Explore our range of low deposit options to get closer to a home you can call your own.
How can we help?
Have a Westpac home loan?
Manage your current home loan
Have a home loan somewhere else?
Move your home loan to Westpac
Looking to buy your first home?
Visit our First Home Buyer’s hub
Looking to buy your next home?
Plan your next move
Looking to pay off your home loan sooner?
How to pay off your home loan faster
Looking to build or renovate?
Understand all your options
Looking to invest in property?
Read our guidesGet in touch.
Meet with an expert
Our Home Loan Experts can come to you, when it suits you best.
Already bank with us? Apply online.
The fastest way for existing customers to apply for a home loan is in Westpac One® digital banking.
Real stories.
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.