Westpac Fixed Options Home Loan

This product is available in different versions. Pick the right version for you here.

The details shown below are for an owner occupier taking out a principal & interest loan of at least $15,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $15,000 with an LVR below 70%

The details shown below are for an owner occupier taking out a interest only loan of at least $15,000 with an LVR below 70%

The details shown below are for an owner occupier taking out a interest only loan of at least $15,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR 70%-95%

    Loan: $15,000

  • Owner Occupier (Principal & Interest)

    LVR < 70%

    Loan: $15,000

  • Owner Occupier (Interest Only)

    LVR < 70%

    Loan: $15,000

  • Owner Occupier (Interest Only)

    LVR 70%-80%

    Loan: $15,000

3.18% p.a.

4.53% p.a.

$8.00 monthly

Westpac Fixed Options Home Loan

3.18% p.a.

4.53% p.a.

$8.00 monthly

3.08% p.a.

4.43% p.a.

$8.00 monthly

Westpac Fixed Options Home Loan

3.08% p.a.

4.43% p.a.

$8.00 monthly

3.99% p.a.

5.10% p.a.

$8.00 monthly

Westpac Fixed Options Home Loan

3.99% p.a.

5.10% p.a.

$8.00 monthly

4.09% p.a.

5.20% p.a.

$8.00 monthly

Westpac Fixed Options Home Loan

4.09% p.a.

5.20% p.a.

$8.00 monthly

Details

Rates and fees information correct as at 16 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.49% (4.84%*)

  • 3.18% (4.67%*)

  • 3.18% (4.53%*)

  • 3.69% (4.58%*)

  • 3.69% (4.50%*)

  • n/a

  • n/a

  • 4.83% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $8.00 monthly

  • $350.00

Other financial bits
  • $15,000

  • none

  • 70.00%

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $30,000 in fixed rate period

  • yes

  • yes

  • none

  • yes

  • no

  • none

  • none

  • 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.

Details

Rates and fees information correct as at 16 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.39% (4.74%*)

  • 3.08% (4.57%*)

  • 3.08% (4.43%*)

  • 3.59% (4.48%*)

  • 3.59% (4.40%*)

  • n/a

  • n/a

  • 4.73% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $8.00 monthly

  • $350.00

Other financial bits
  • $15,000

  • none

  • none

  • 70.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $30,000 in fixed rate period

  • yes

  • yes

  • none

  • yes

  • no

  • none

  • none

  • 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.

Details

Rates and fees information correct as at 16 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.99% (5.33%*)

  • 3.89% (5.19%*)

  • 3.99% (5.10%*)

  • 4.09% (5.03%*)

  • 4.09% (4.94%*)

  • n/a

  • n/a

  • 5.32% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $8.00 monthly

  • $350.00

Other financial bits
  • $15,000

  • none

  • none

  • 70.00%

Features
  • Monthly

  • yes - free up to $30,000 in fixed rate period

  • yes

  • yes

  • none

  • yes

  • no

  • none

  • none

  • 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.

Details

Rates and fees information correct as at 16 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 4.09% (5.43%*)

  • 3.99% (5.29%*)

  • 4.09% (5.20%*)

  • 4.19% (5.13%*)

  • 4.19% (5.04%*)

  • n/a

  • n/a

  • 5.42% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $8.00 monthly

  • $350.00

Other financial bits
  • $15,000

  • none

  • 70.00%

  • 80.00%

Features
  • Monthly

  • yes - free up to $30,000 in fixed rate period

  • yes

  • yes

  • none

  • yes

  • no

  • none

  • none

  • 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.

Customer Reviews

How are Westpac home loans rated by the Mozo community?

Overall customer rating
6.7/10
Price
6.2/10
Features
6.4/10
Customer service
6.9/10
Convenience
7.6/10
Trust
6.6/10

Latest reviews of Westpac Fixed Options Home Loan

  • Overall
    6/10
    Awesome.

    I have been with Westpac for 24 years and have bought two houses with their help with no dramas.

    I have been with Westpac for 24 years and have bought two houses with their help with no dramas.

    Price
    6/10
    Features
    6/10
    Customer service
    8/10
    Convenience
    9/10
    Trust
    7/10

    Amanda | Western Australia

    reviewed 7 days ago

  • Overall
    10/10
    Very competitive.

    Great low rates and service. They listen to my needs.

    Great low rates and service. They listen to my needs.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Yvonne | Queensland

    reviewed about 1 month ago

  • Overall
    4/10
    All ok.

    It is ok but nothing special.

    It is ok but nothing special.

    Price
    3/10
    Features
    3/10
    Customer service
    3/10
    Convenience
    4/10
    Trust
    7/10

    Pamela | Victoria

    reviewed about 1 month ago

  • Overall
    4/10
    Subpar customer service.

    Their customer service has deteriorated over time. The lack of any personal interaction is...

    Their customer service has deteriorated over time. The lack of any personal interaction is problematic and their knowledge and care of individual accounts is lacking. Interest rates seem to go up more than down. If it was more simple to change we would.

    Price
    3/10
    Features
    7/10
    Customer service
    3/10
    Convenience
    7/10
    Trust
    5/10

    John | South Australia

    reviewed about 2 months ago

  • Overall
    6/10
    Lower interest rates not passed on.

    Interest rate changes are not passed on. Other banks are quicker to lower them. They also charge...

    Interest rate changes are not passed on. Other banks are quicker to lower them. They also charge a fee to change mortgage payment date, which is unnecessary.

    Price
    5/10
    Features
    3/10
    Customer service
    6/10
    Convenience
    10/10
    Trust
    6/10

    Sarah | Victoria

    reviewed about 2 months ago

Westpac

About Westpac

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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*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.