The details shown below are for an owner occupier taking out a principal & interest loan of at least $10,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan of at least $10,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $10,000 with an LVR below 70%
The details shown below are for an owner occupier taking out a interest only loan of at least $10,000 with an LVR below 70%
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% | $10,000 | |
| | Owner Occupier | Interest Only | 70%-80% | $10,000 | |
| | Owner Occupier | Principal & Interest | < 70% | $10,000 | |
| | Owner Occupier | Interest Only | < 70% | $10,000 |
Owner Occupier (Principal & Interest)
LVR 70%-95%
Loan: $10,000
Owner Occupier (Interest Only)
LVR 70%-80%
Loan: $10,000
Owner Occupier (Principal & Interest)
LVR < 70%
Loan: $10,000
Owner Occupier (Interest Only)
LVR < 70%
Loan: $10,000
4.58% p.a.
n/a
n/a
n/a
4.72% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$0.00
n/a
$8.00 monthly
$350.00
$10,000
none
70.00%
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
none
yes
yes
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.
5.17% p.a.
n/a
n/a
n/a
5.31% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$0.00
n/a
$8.00 monthly
$350.00
$10,000
none
70.00%
80.00%
Owner Occupier
Interest Only
Monthly
yes - free
yes
yes - free
none
yes
yes
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.
4.48% p.a.
n/a
n/a
n/a
4.62% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$0.00
n/a
$8.00 monthly
$350.00
$10,000
none
none
70.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
none
yes
yes
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.
5.07% p.a.
n/a
n/a
n/a
5.21% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$0.00
n/a
$8.00 monthly
$350.00
$10,000
none
none
70.00%
Owner Occupier
Interest Only
Monthly
yes - free
yes
yes - free
none
yes
yes
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.
My local branch was removed recently. This is a bank that randomly puts up interest rates on home loans, and if requested like the national group for Covid-19 did - told it would go down - no indication of proposed drop but surprise, it was introduced 5 months later and when did arrive it was $20 per month so 200 dollars in total. There was no discussion with the local community re closing the branch. I'm 71 and do not like using technology for my own needs (use hugely at work) - yes still working full time as I have mortgage. In fact, I now have it on the market - without selling I cannot reduce my work hours. My interest rate has not changed by a % over the last 4 years. I love my home, and the place it is in. I will be very elderly before I know it and I would like to visit my own branch.
Read full reviewMy local branch was removed recently. This is a bank that randomly puts up interest rates on home loans, and if requested like the national group for Covid-19 did - told it would go down - no indication of proposed drop but surprise, it was introduced 5 months later and when did arrive it was $20 per month so 200 dollars in total. There was no discussion with the local community re closing the branch. I'm 71 and do not like using technology for my own needs (use hugely at work) - yes still working full time as I have mortgage. In fact, I now have it on the market - without selling I cannot reduce my work hours. My interest rate has not changed by a % over the last 4 years. I love my home, and the place it is in. I will be very elderly before I know it and I would like to visit my own branch.
The customer relationship team are always helpful and responsive.
Read full reviewThe customer relationship team are always helpful and responsive.
I have been trying to refinancing my home loan and I have submitted my dispatch form on 8 May and they have not settled the loan yet. They send the documents to Perth instead of Canberra. I am having financial stress due to this. I have escalated the situation with Westpac through their team, but all the call goes to outside Australia. The process is so inefficient. Today, 4 June, the loan has still has not settled and they could not figure out where the document has gone? Westpac is so careless about the security documents. Please do not do home loan with Westpac. Westpac team is very Inefficient. They won't let you release your property. Could someone please suggest to me where to complain about this.
Read full reviewI have been trying to refinancing my home loan and I have submitted my dispatch form on 8 May and they have not settled the loan yet. They send the documents to Perth instead of Canberra. I am having financial stress due to this. I have escalated the situation with Westpac through their team, but all the call goes to outside Australia. The process is so inefficient. Today, 4 June, the loan has still has not settled and they could not figure out where the document has gone? Westpac is so careless about the security documents. Please do not do home loan with Westpac. Westpac team is very Inefficient. They won't let you release your property. Could someone please suggest to me where to complain about this.
Westpac Gosford branch staff are the most pleasant people and always go above and beyond to help. The banking app is super user friendly and we plan on staying with them for life.
Read full reviewWestpac Gosford branch staff are the most pleasant people and always go above and beyond to help. The banking app is super user friendly and we plan on staying with them for life.
Good customer service but slow to adjust to market.
Read full reviewGood customer service but slow to adjust to market.
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.
