Home loans to suit you.

Competitive interest rates

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

See 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.

See your loan options

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

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.

See repayment options

Warm up your home

Make your home cosier with up to $10,000 for five years on a Westpac Warm Up loan.

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.

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.

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.


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 from 8am to 6pm Monday to Friday, 9am to 3pm Saturday.

Call 0800 177 277

Visit us

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

Find your nearest branch

Apply online.

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.

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:

View terms and conditions for all our home lending products here.