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.

^ Standard transaction fees may apply.

Additional features.

Choices Offset

Offset your savings against the balance of your home loan, and only pay the interest on the difference.

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Split home loan

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

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Home loan with Airpoints™

See your Airpoints Dollars™ add up when you earn rewards on your home loan repayments.

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Westpac Warm Up loan

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

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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.

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 any time from 8am - 6pm weekdays, 9am - 3pm Saturday.

Call 0800 177 277

Visit us

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

Find your nearest branch

Things you should know.

1 Conditional approval requires a credit check and confirmation of the details provided in your application. Other conditions may also apply depending on the nature of your application.

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 home loan lending criteria and terms and conditions apply. An establishment charge may apply. A low equity margin may apply. An additional fee or higher interest rate may apply to home loans if the application is accepted but does not meet the standard lending criteria.

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.