Home loans to suit you.

Tailored home loans

Whatever your needs, we have home loans to suit. Get certainty with a fixed rate, or pay off lump sums without extra costson a floating loan. Alternatively, split your loan and enjoy the best of both worlds.

See your loan options

Choice of repayments types

Reach your home buying goals faster with a range of repayment types - a Choices Everyday revolving credit, or reducing, table or interest-only.

See repayment options

Competitive interest rates

Get a great deal with our range of competitive interest rates.

See interest rates

Tools and resources

Making an informed decision about your home loan is important. We have easy to use calculators and resources available to help.

See our tools and resources

Warm up your home

Make your home cosier with up to $10,000 interest free for five years on a Westpac Warm Up loan. Or just start from the ground up with a Prebuilt loan for an innovative, prefab home.

Learn more

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.

Get in touch

What you need to apply.

To bring your home loan to Westpac, you just need to apply. Your home loan application will require a little homework though. To help make it easier, we’ve outlined the key steps you'll need to take.
Westpac Home loans property report campaign

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.

Standard transaction fees may apply.

2 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.

Westpac's current credit card lending criteria apply to all applications and transfers. Westpac MasterCard Conditions of Use apply.

Interest rates 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.