Switch your home loan.
We're here to help make the switching process straightforward and tailor your home loan to suit you.
Home loans to suit you.
Competitive interest rates
Get a great deal with our range of competitive interest rates.
Tailored home loans
Whatever your needs, we have home loans to suit. Get certainty with a fixed rate, or choose a floating rate that goes up or down with the market, providing flexibility to pay off lump sums without prepayment costs 1. Alternatively, split your loan and enjoy the best of both worlds.
Tools and resources
Making an informed decision about your home loan is important. We have easy to use calculators and resources available to help.
Choice of repayments types
Reach your home buying goals faster with a range of repayment options - choose between a table loan, a reducing (flat) loan, a revolving credit loan or an interest only loan.
Greater Choices home loan
You could get up to $50,000 interest free for five years to help you create a warmer, drier, healthier and more energy efficient home life. Choose a mix of heat pumps, hot water heat pumps, wood burners, insulation, double glazing, ventilation, solar power systems and batteries, rainwater tanks as well as electric and hybrid vehicles, plus electric vehicle chargers.
Apply your way
Bring your loan over any way you like - online, over the phone or through a Mobile Mortgage Manager. If you're moving, you may be able to transfer your loan to your new home.
What you need to apply.
* Min 20% equity, plus salary credit to a Westpac transaction account. Not available with any other Westpac home loan offers, promotions or package discounts. 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 an expert
Request a call back from a Mobile Mortgage Manager.
Make an appointment to talk to a home loan expert in branch.
Existing customers can apply for a home loan via Westpac One® online banking.
Things you should know.
Interest rates are subject to change without notice. Westpac's 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