Switch your home loan to Westpac

Bringing your home loan over to Westpac is likely to be easier than you think – just give us a call or visit any of our branches.

The ability to switch to Westpac quickly lets you take advantage of great rates now, and the flexibility of our home loans mean you can adapt your loan as your life changes in the future.

When you bring your home loan to Westpac you also benefit from:

no annual account fees for two years on a new Westpac Mastercard® of your choice*
no monthly account maintenance fees on your Access Account (transaction account) if your home loan is over $100,000.

*Excludes World Mastercard and Mastercard BusinessCard. Trusts, businesses, and loans with 3 or more borrowers are not eligible. Only available to customers who have not previously held a Westpac credit card.

Check out our home loans

Some key benefits of Westpac home loans

wide range of home loan products to suit all your needs
flexible home loans that can adapt as your life changes
loan structure to fit your own situation: mix of fixed and floating, reducing limit or interest only
options like Choices Offset to help you repay your home loan faster and save interest costs
our Mobile Mortgage Managers – home lending specialists who can come to you
home loans tailored to property investors.

Switch your home loan to Westpac

Switch your accounts to Westpac and take advantage of Choices Offset

Did you know that if you choose Westpac Offset you can use the balance of your eligible Westpac transaction and savings accounts to offset against your floating home loan? You’ll only pay interest on the difference, which could save you thousands on interest repayments and cut years off your home loan.

Why not take a look at our transaction and savings account options, and consider Choices Offset?

Read more about Choices Offset

Switch your banking to Westpac

View Terms and Conditions

Things you need to know:
Choices Offset is only available on a Choices Floating home loan. Interest rate is current and subject to change without notice. Westpac's current home loan lending criteria and terms and conditions apply. An establishment charge and 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. An application fee and monthly account maintenance fee applies. You can link up to ten eligible Westpac transaction and savings accounts for Choices Offset. Linked accounts will not earn interest. Terms, conditions, fees and charges apply to Westpac transaction and savings accounts. You can get a copy of the current Disclosure Statement for Westpac New Zealand Limited from any Westpac branch in New Zealand free of charge.

Westpac's current credit card lending criteria apply to all applications and transfers. Westpac MasterCard Conditions of Use apply. You can get a copy of the current disclosure statement for Westpac New Zealand Limited from any Westpac branch in New Zealand free of charge. Service fees still apply, for example clearance fees, online bill payments and use of other banks' ATMs.

Westpac’s current home loan lending criteria and terms and conditions apply. An establishment charge and a Low Equity Margin may apply. An additional fee or higher interest rate may apply to loans if the application is accepted but does not meet the standard lending criteria.