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.
Warm up your home
Make your home cosier with up to $10,000 for five years on a Westpac Warm Up loan.
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, 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.
Our home loan online application form is temporarily unavailable. We apologise for any inconvenience. You can apply for a home loan through a Mobile Mortgage Manager, by calling us on 0800 177 277, or making an appointment at your nearest branch. Existing customers can also apply via Westpac One® online banking.
Things you should know.
1 Standard transaction fees may apply. See Choices Home Loan Account fees.
Interest rates are subject to change without notice. Westpac's 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
- Transaction and Service Fees
- Westpac General Terms and Conditions