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Move your home loan to Westpac.

Your next move starts here. With expert advice and a quick switch process, we can help you get there sooner.

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Why Westpac?

Home Loan Experts on your side

Located across New Zealand, our Home Loan Experts will advise and guide you through every stage of buying a property, at a time and place that suits you.

Different options for different goals

With a range of loan types, interest rates and flexible repayment options, we’ll find a solution that works for you and your financial goals.

Mortgage free sooner

We can personalise your loan in a way that could reduce the amount of interest you pay, helping you to reach your property goals sooner. 

Fast and easy to make the move

Whether you apply in Westpac One® digital banking or with one of our Home Loan Experts, you could get approval sooner than you think with our simplified switch process.

Switching made easy.

Chat with a Home Loan Expert
1

Apply

Get in touch with our Home Loan Experts, they’ll guide you through the process from start to finish. If you're an existing Westpac customer, you can also apply online through Westpac One.
2

Conditional approval

For straightforward applications, we can often give a conditional approval on the spot (subject to eligibility and responsible lending inquiries). If we need more information, we’ll be in touch.
3

We take care of the rest

Once your application is approved, we'll set up your account in Westpac One so you can manage your home loan. If you’re switching banks, we’ll also help sort the transfer of your home loan.

Your loan options.

All interest rates
All interest rates

* Minimum 20% equity, plus salary credit to a Westpac transaction account.  Not available with any other Westpac home loan offers, or promotions or package discounts.  Loans for business or Investment purposes excluded.

Lending criteria, terms and conditions, apply to home loans.

For home loans with less than 20% equity, a low equity margin may apply, see low equity margins explained for more details on how this is applied.

Interest rates are subject to change without notice.

If you don’t pay amounts when they’re due, your home loan account may exceed its limit and the interest rate applied to the over limit amount will be your annual interest rate plus an additional 5% p.a.

^ Standard transaction fees may apply. See Choices Home Loan account fees.

Chat to a Home Loan Expert.

Request a call back

Fill in your details and a Home Loan Expert will reach out to you by phone.

Schedule a call

Meet face-to-face

Our Home Loan Experts can visit your home, office or your local café when it suits you.

Find your local Home Loan Expert

Meet us in-branch

Make an appointment to meet our Home Loan Experts at your local Westpac branch.

Find your nearest branch

Already bank with us? Apply online.

The fastest way for existing customers to apply for a home loan is in Westpac One® digital banking.

Apply now

Calculators.

All home loan calculators

How much would my repayments be?

Crunch the numbers to see what your loan repayments would be on a new loan.

Try the repayment calculator

How much can I borrow? 

Find out how much you could borrow and keep your house hunt focused and realistic.

Try the affordability calculator

Split my home loan

Calculate how much interest you could save by splitting your loan into different terms and rates.

Try the split home loan calculator

Real stories.

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:

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