*** The 10% discount does not apply to the Earthquake and Fire Service levies and GST elements of the insurance premiums.
****Loan to Value Ratio (LVR) and other eligibility criteria apply.
Employee Pac terms and conditions apply. Please refer to the relevant brochures or this website for detailed information on each Westpac product or service mentioned. Other service fees may apply. An additional fee or higher interest rate may apply to loans if the loan application is accepted but does not meet the standard lending criteria. The information in this website and the terms and conditions for Employee Pac may vary from time to time. This offer only applies while a permanent full or part time employee with an eligible employer and is only available directly from Westpac. Westpac's current applicable lending criteria apply. Refer to our credit cards,hotpoints®, Unit Trusts or Retirement Plan pages for more information and terms and conditions. Terms, conditions and exclusions apply to all insurance cover mentioned and details can be found in the relevant policy documents. You can get a copy of the current disclosure statement for Westpac New Zealand Limited and a copy of the investment statement for any securities for which an investment statement is required from any Westpac branch in New Zealand, free of charge. hotpoints® is a registered trademark of Westpac Banking Corporation.