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.

How much would my repayments be?

Crunch the numbers to see what your loan repayments would be on a new loan.

Try the repayment calculator

How much can I afford? 

Find out how much you could borrow and keep your house hunt focused and realistic.

Try the affordability calculator

Split my home loan

Calculate how much interest you could save by splitting your loan into different terms and rates.

Try the split home loan calculator

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.

Learn more about floating offset

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.

Learn more about Greater Choices

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 about Shared Equity

Mix it up with floating and fixing

Splitting your loan could give you the right balance of certainty and flexibility.

Learn more about split home loan
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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 guides

Get in touch.

Meet with an expert

Our Home Loan Experts can come to you, when it suits you best.

Find a Home Loan Expert

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

Already bank with us? Apply online.

The fastest way for existing customers to apply for a home loan is in Westpac One® digital banking.

Apply now

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:

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