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

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.

Learn more

Apply your way

Bring your loan over any way you like - online, over the phone or through a Home Loan Expert If you're moving, you may be able to transfer your loan to your new home.

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. 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 Home Loan Experts can come to you, when it suits you best.

Find a Home Loan Expert

Talk to an expert

Request a call back from a Home Loan Expert.

Request a call back

Visit us

Make an appointment to talk to a Home Loan Expert in branch.

Find your nearest branch

Apply online.

Existing customers can apply for a home loan via Westpac One® online banking.

Log in to Westpac One

Things you should know.

1See Choices Home Loan Account Fees

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:

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