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
2.29% (3.62%*)
2.29% (3.53%*)
2.29% (3.45%*)
2.79% (3.55%*)
2.79% (3.51%*)
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).
n/a
n/a
n/a
n/a
2.19% (3.52%*)
2.19% (3.44%*)
2.19% (3.36%*)
2.69% (3.45%*)
2.69% (3.42%*)
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).
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
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
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.
Easy to access information. The bank does not go out of their way to give lower interest rates to match current situations.
Read full reviewEasy to access information. The bank does not go out of their way to give lower interest rates to match current situations.
Unhelpful during financial hardship. Initially one as satisfied with them as a home lender, but I've become more dissatisfied over the years for numerous reasons. The biggest being poor assistance during hardship. Another for charging missed payment fees over two years despite consistent payments.
Read full reviewUnhelpful during financial hardship. Initially one as satisfied with them as a home lender, but I've become more dissatisfied over the years for numerous reasons. The biggest being poor assistance during hardship. Another for charging missed payment fees over two years despite consistent payments.
Overall, very happy.
Read full reviewOverall, very happy.
I think there are better banks out there now and as soon as we are off our fixed interest rates I will be shopping around for a better deal.
Read full reviewI think there are better banks out there now and as soon as we are off our fixed interest rates I will be shopping around for a better deal.
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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