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, or the Westpac Choices Home Loan with Airpoints. 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.

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.

Learn more

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.

Learn more

Split home loan

Get flexibility and certainty with some of your home loan on a floating rate and the remainder on a fixed rate.

Learn more

Earn Airpoints™ on your Choices Home Loan

See your Airpoints Dollars™ add up when you earn rewards on your Choices Fixed or Choices Floating Home Loan balance.

Learn more

Westpac Warm Up loan

Get up to $10,000 for five years to invest in making your home warmer, dryer and more energy efficient.

Learn more

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, or the Westpac Choices Home Loan with Airpoints™. 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.

Find the best option for you with our home loan calculators.

Get in touch.

Meet with an expert

Our Mobile Mortgage Managers can come to you, when it suits you best.

Find a Mobile Mortgage Manager

Talk to us

Call us from 8am to 6pm Monday to Friday, 9am to 3pm Saturday.

Call 0800 177 277

Visit us

Make an appointment to talk to a home loan expert in branch.

Find your nearest branch

Apply online.

Our home loan online application form is temporarily unavailable. We apologise for any inconvenience. You can apply for a home loan through a Mobile Mortgage Manager, by calling us on 0800 177 277, or making an appointment at your nearest branch. Existing customers can also apply via Westpac One® online banking.

Things you should know.

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 eligibility criteria, home loan lending criteria, terms and conditions apply. An establishment fee may apply. A low equity margin may apply.

Documents and fees

See the detailed terms and conditions, and fees, for our home loans:

View terms and conditions for all our home lending products here.