Westpac home loan reviews

Westpac
Westpac's overall rating for home loans

(as rated by the Mozo community)

6.7 / 10

based on 3153 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from Westpac

Recent Westpac home loan reviews

Westpac

Westpac Fixed Options Home Loan (Principal & Interest) home loan review

Overall rating   9 / 10

Good customer service, good support & solutions

Always have been very helpful and easy to understand and negotiate with, always willing to find a solution to financial hardship or financial planning to assist with maintaining loan repayments and ensuring your loan continues to suit your needs.

Full review

Always have been very helpful and easy to understand and negotiate with, always willing to find a solution to financial hardship or financial planning to assist with maintaining loan repayments and ensuring your loan continues to suit your needs.

    Price   10 / 10

    Features   7 / 10

    Customer service   4 / 10

    Convenience   10 / 10

    Trust   8 / 10

Less

Sonja, New South Wales, reviewed 10 days ago

Westpac

Westpac home loan review

Overall rating   10 / 10

Great

They have always been helpful and supportive.

Full review

They have always been helpful and supportive.

    Price   7 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   9 / 10

Less

Naomi, Western Australia, reviewed 28 days ago

Westpac

Westpac home loan review

Overall rating   0 / 10

Westpac has me on 4.57% and that is not good

Westpac has been extremely rigid. It will not review the interest rate I am paying. I'm an older mortgagee, I don't matter. Westpac is very good at racking up the interest rate. Considering it probably has a billion dollar profit rate and the...

Full review

Westpac has been extremely rigid. It will not review the interest rate I am paying. I'm an older mortgagee, I don't matter. Westpac is very good at racking up the interest rate. Considering it probably has a billion dollar profit rate and the Reserve Bank has not lifted its rate. Shame on you Westpac.

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   4 / 10

Less

Winnie, Queensland, reviewed 29 days ago

Westpac

Westpac home loan review

Overall rating   7 / 10

Great customer service and assistance

I have always assisted with interest rates as I have multiple loans that have been close to best market rates plus recently had a fraud issue and was very impressed with the way it was handled.

Full review

I have always assisted with interest rates as I have multiple loans that have been close to best market rates plus recently had a fraud issue and was very impressed with the way it was handled.

    Price   6 / 10

Less

David, New South Wales, reviewed 2 months ago

Westpac

Westpac Rocket Investment Loan (Principal & Interest) home loan review

Overall rating   7 / 10

Great customer service and assistance

I have always assisted with interest rates as I have multiple loans that have been close to best market rates plus recently had a fraud issue and was very impressed with the way it was handled.

Full review

I have always assisted with interest rates as I have multiple loans that have been close to best market rates plus recently had a fraud issue and was very impressed with the way it was handled.

    Price   6 / 10

Less

David, Victoria, reviewed 2 months ago

Westpac

Westpac home loan review

Overall rating   9 / 10

Good service

A good bank that has come out reasonably from the RC in Melbourne.

Full review

A good bank that has come out reasonably from the RC in Melbourne.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   6 / 10

Less

Michael, New South Wales, reviewed 7 months ago

Westpac

Westpac home loan review

Overall rating   4 / 10

Had one bad loans officer

Overall service has been good, but for one shocking experience.

Full review

Overall service has been good, but for one shocking experience.

    Price   3 / 10

    Features   0 / 10

    Customer service   4 / 10

    Convenience   7 / 10

    Trust   1 / 10

Less

Linda, Queensland, reviewed 7 months ago

Westpac

Westpac home loan review

Overall rating   7 / 10

Competitive rates, customer service is average

I like Westpac. The only thing I dislike is that it's online transfers takes too long. It should be instantaneous, 2 business days wait; it's all computerised it should happen straight away.

Full review

I like Westpac. The only thing I dislike is that it's online transfers takes too long. It should be instantaneous, 2 business days wait; it's all computerised it should happen straight away.

    Price   10 / 10

    Features   10 / 10

    Customer service   6 / 10

    Convenience   7 / 10

    Trust   9 / 10

Less

Anna, Victoria, reviewed 7 months ago

Westpac

Westpac Flexi First Option Home Loan Special Offer (Principal & Interest) home loan review

Overall rating   7 / 10

Competitive home rates with personalised service

I like this bank because they provide special customer service representatives who recommend the best bank product for you. We can go to the representative straight away with any financial changes. The down side is customer service representatives...

Full review

I like this bank because they provide special customer service representatives who recommend the best bank product for you. We can go to the representative straight away with any financial changes. The down side is customer service representatives changes often that somewhat waters down the level of personalised services we suppose to get.

    Price   6 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   5 / 10

    Trust   8 / 10

Less

Angela, Queensland, reviewed 8 months ago

Westpac

Westpac home loan review

Overall rating   9 / 10

Great bank

They do a good job looking after you.

Full review

They do a good job looking after you.

    Price   9 / 10

    Features   10 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Rachna, Queensland, reviewed 8 months ago

Westpac

Westpac home loan review

Overall rating   9 / 10

Great customer service.

Good service. They know us. Not the cheapest.

Full review

Good service. They know us. Not the cheapest.

    Price   8 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   8 / 10

Less

Ineke, Tasmania, reviewed 8 months ago

Westpac

Westpac Fixed Options Home Loan (Principal & Interest) home loan review

Overall rating   5 / 10

Good customer service

Was the right option for me

Full review

Was the right option for me

    Price   5 / 10

    Features   5 / 10

    Customer service   7 / 10

    Convenience   6 / 10

    Trust   4 / 10

Less

Kirsten, Australian Capital Territory, reviewed 8 months ago

Westpac

Westpac Rocket Repay Home Loan (Principal & Interest) (Premier Advantage Package) home loan review

Overall rating   9 / 10

Great customer service

Easy to reach and talk to a bank branch manager or business banker. Quick response to email inquiries and well set up electronic banking platforms.

Full review

Easy to reach and talk to a bank branch manager or business banker. Quick response to email inquiries and well set up electronic banking platforms.

    Price   8 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Neville, Queensland, reviewed 8 months ago

Westpac

Westpac home loan review

Overall rating   10 / 10

Bank with Westpac

Westpac have always been a great Bank

Full review

Westpac have always been a great Bank

    Price   9 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Juanita, Victoria, reviewed 9 months ago

Westpac

Westpac Rocket Repay Home Loan (Principal & Interest) home loan review

Overall rating   10 / 10

Sweet

It's great

Full review

It's great

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Steven, Western Australia, reviewed 10 months ago

Westpac

Westpac home loan review

Overall rating   10 / 10

I have been a member over 10 years

I recommend it to anyone who is serious about moving forward with life.

Full review

I recommend it to anyone who is serious about moving forward with life.

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Molly, Victoria, reviewed 10 months ago

Westpac

Westpac Flexi First Option Home Loan Special Offer (Principal & Interest) home loan review

Overall rating   7 / 10

Not bad

Look about there are better deals out there

Full review

Look about there are better deals out there

    Price   8 / 10

    Features   4 / 10

    Customer service   6 / 10

    Convenience   10 / 10

    Trust   7 / 10

Less

Peter, Tasmania, reviewed 10 months ago

Westpac

Westpac home loan review

Overall rating   9 / 10

Matching competitive rates and great service

Personalised service was excellent, quick, and answered my questions in a straightforward way

Full review

Personalised service was excellent, quick, and answered my questions in a straightforward way

    Price   9 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Tina, Queensland, reviewed 10 months ago

Westpac

Westpac Fixed Options Home Loan (Principal & Interest) (Premier Advantage Package) home loan review

Overall rating   8 / 10

Manager at the branch is easy to deal with

manager at branch is a very nice person

Full review

manager at branch is a very nice person

    Price   8 / 10

Less

Debra, New South Wales, reviewed over 1 year ago

Westpac

Westpac Equity Access (Premier Advantage Package) home loan review

Overall rating   9 / 10

Easy access and quick service

Good local and friendly

Full review

Good local and friendly

    Price   9 / 10

Less

Ian, Western Australia, reviewed over 1 year ago

Westpac

Westpac home loan review

Overall rating   8 / 10

Great community service

Happy staff, easy to deal with, great service.

Full review

Happy staff, easy to deal with, great service.

    Price   8 / 10

Less

Simon, Queensland, reviewed over 1 year ago

Westpac

Westpac Rocket Repay Home Loan (Principal & Interest) (Premier Advantage Package) home loan review

Overall rating   10 / 10

Saves thousands on interest costs

The premier advantage package is a real money saver on interest costs. Flexible loan options with easy redraw on additional funds you can pay in without penalty.

Full review

The premier advantage package is a real money saver on interest costs. Flexible loan options with easy redraw on additional funds you can pay in without penalty.

    Price   10 / 10

Less

Kerralie, Australian Capital Territory, reviewed over 1 year ago

Westpac

Westpac Fixed Options Home Loan (Principal & Interest) home loan review

Overall rating   10 / 10

Great customer service

Great bank deal with

Full review

Great bank deal with

    Price   10 / 10

Less

Kirk, Tasmania, reviewed over 1 year ago

Westpac

Westpac Rocket Investment Loan (Principal & Interest) home loan review

Overall rating   9 / 10

Great customer service

Easy to use the online banking and transactions.

Full review

Easy to use the online banking and transactions.

    Price   10 / 10

Less

Pritam, South Australia, reviewed over 1 year ago

Westpac

Westpac home loan review

Overall rating   9 / 10

Great customer service

I have been with this bank for more than 12 years and have not had anything to complain about. I am very happy with the service.

Full review

I have been with this bank for more than 12 years and have not had anything to complain about. I am very happy with the service.

    Price   8 / 10

Less

Jeffrey, Western Australia, reviewed over 1 year ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2016

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.2

    Based on 636 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • NAB Base Variable Rate Home Loan Special Offer (Owner Occupier, Principal & Interest)

    NAB Base Variable Rate Home Loan Special Offer (Owner Occupier, Principal & Interest)

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.73% p.a.

    upfront fees

    $600

    Go to site

    More info

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.73% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $20,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    6.8

    Based on 2769 NAB home loan reviews

    Need more information?
    Go to site

    More info

  • UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.59% p.a.

    upfront fees

    $0

    Go to site

    More info

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.59% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $699,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    5.2

    Based on 111 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%)

    Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%)

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist

    interest rate

    3.67% p.a. variable

    comparison rate*

    3.69% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist
    • Interest rate: 3.67% p.a. variable
    • Comparison rate*: 3.69% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fees apply
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.3

    Based on 242 Heritage Bank home loan reviews

    Need more information?
    Go to site

    More info

  • HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free online
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.0

    Based on 109 HSBC home loan reviews

    Need more information?
    Go to site

    More info

*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.

Want more? Compare all 505 home loans in the Mozo comparison engine.

Compare more home loans

Look for a specific type of home loan:

*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.

Back to top