The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 70%
The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 70%
The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 80%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | 70%-95% | $150,000 | |
| | Owner Occupier | Principal & Interest | < 70% | $150,000 | |
| | Owner Occupier | Interest Only | < 70% | $150,000 | |
| | Owner Occupier | Interest Only | 70%-80% | $150,000 |
Owner Occupier (Principal & Interest)
LVR 70%-95%
Loan: $150,000
Owner Occupier (Principal & Interest)
LVR < 70%
Loan: $150,000
Owner Occupier (Interest Only)
LVR < 70%
Loan: $150,000
Owner Occupier (Interest Only)
LVR 70%-80%
Loan: $150,000
n/a
n/a
n/a
n/a
2.09% (3.60%*)
2.09% (3.50%*)
2.09% (3.41%*)
1.99% (3.29%*)
2.29% (3.32%*)
n/a
n/a
3.29% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$150,000
none
70.00%
95.00%
Weekly, Fortnightly, Monthly
yes - free up to $30,000 in fixed rate period
yes
yes
none
yes
no
none
Package includes $0 monthly fees on transaction account, fee waivers on selected credit cards and discounted insurance products.
Receive $2,000 cashback per property plus $1,000 for the first application when you refinance a property of at least $250,000 and an LVR <80% with a Flexi First Option loan or a Premier Advantage Package (excludes refinances from Westpac Group).
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a
n/a
n/a
n/a
1.99% (3.50%*)
1.99% (3.41%*)
1.99% (3.31%*)
1.89% (3.20%*)
2.19% (3.22%*)
n/a
n/a
3.19% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$150,000
none
none
70.00%
Weekly, Fortnightly, Monthly
yes - free up to $30,000 in fixed rate period
yes
yes
none
yes
no
none
Package includes $0 monthly fees on transaction account, fee waivers on selected credit cards and discounted insurance products.
Receive $2,000 cashback per property plus $1,000 for the first application when you refinance a property of at least $250,000 and an LVR <80% with a Flexi First Option loan or a Premier Advantage Package (excludes refinances from Westpac Group).
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a
n/a
n/a
n/a
3.59% (4.17%*)
3.59% (4.15%*)
3.59% (4.14%*)
3.89% (4.22%*)
3.89% (4.23%*)
n/a
n/a
3.78% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$150,000
none
none
70.00%
Monthly
yes - free up to $30,000 in fixed rate period
yes
yes
none
yes
no
none
Package includes $0 monthly fees on transaction account, fee waivers on selected credit cards and discounted insurance products.
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a
n/a
n/a
n/a
3.69% (4.27%*)
3.69% (4.25%*)
3.69% (4.23%*)
3.99% (4.32%*)
3.99% (4.33%*)
n/a
n/a
3.88% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$350.00
$150,000
none
70.00%
80.00%
Monthly
yes - free up to $30,000 in fixed rate period
yes
yes
none
yes
no
none
Package includes $0 monthly fees on transaction account, fee waivers on selected credit cards and discounted insurance products.
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
I like the fact it is a one stop for me, I have everything with this institute. Also we can split the loan the way we want.
Read full reviewI like the fact it is a one stop for me, I have everything with this institute. Also we can split the loan the way we want.
The fixed rates are quite high but my biggest problem is the lack of ATMs and branches. I live in a small country town with no branch or ATM only Australia post. Would be easier to have a branch or ATM back here.
Read full reviewThe fixed rates are quite high but my biggest problem is the lack of ATMs and branches. I live in a small country town with no branch or ATM only Australia post. Would be easier to have a branch or ATM back here.
My first home loan and I’ve had plenty of questions along the way and every time I ring I get someone extremely patient and helpful.
Read full reviewMy first home loan and I’ve had plenty of questions along the way and every time I ring I get someone extremely patient and helpful.
There are no additional features on this loan type and I don't feel that they explained the difference between the redraw and offset account types adequately to us.
Read full reviewThere are no additional features on this loan type and I don't feel that they explained the difference between the redraw and offset account types adequately to us.
We like banking with Westpac however their branch hours are limited, especially for people who work. They refused to refinance our loan based on my husband having 2 jobs.
Read full reviewWe like banking with Westpac however their branch hours are limited, especially for people who work. They refused to refinance our loan based on my husband having 2 jobs.
As Australia's first bank, Westpac has been serving customers since 1817. Westpac merged with St.George to create Australia's largest financial services company, and customers can enjoy from peace of mind from having the security offered by a major bank behind them. Check out Westpac's range of banking products such as savings accounts, home loans, personal loans, credit cards and other financial services such as its car and home and contents insurance.
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fixed 3 years
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Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
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Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a.
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fixed 3 years
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WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
