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.
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.
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.
Westpac Warm Up loan
Get up to $10,000 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.
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.
Get in touch.
Meet with an expert
Our Mobile Mortgage Managers can come to you, when it suits you best.
Talk to us
Call us from 8am to 6pm Monday to Friday, 9am to 3pm Saturday.
Make an appointment to talk to a home loan expert in branch.
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:
- 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
- Westpac General Terms and Conditions