Westpac home loan reviews

Westpac
Westpac's overall rating for home loans

(as rated by the Mozo community)

6.7 / 10

based on 3158 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   8 / 10

Easy to use. Very useful

I have had nothing but awesome help from my bank branch. They are super friendly and know me by my name as I get to the counter. Their internet site is easy to use. Totally recommend them.

Full review

I have had nothing but awesome help from my bank branch. They are super friendly and know me by my name as I get to the counter. Their internet site is easy to use. Totally recommend them.

    Price   10 / 10

    Features   6 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

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John, Victoria, reviewed 26 days ago

Westpac

Westpac home loan review

Overall rating   0 / 10

Horrific

If you want a bank that doesn't care use this bank.

Full review

If you want a bank that doesn't care use this bank.

    Features   0 / 10

    Customer service   1 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Vicki, Queensland, reviewed about 1 month ago

Westpac

Westpac home loan review

Overall rating   8 / 10

Excellent customer service

Staff have always been happy to provide advice to improve their services and products.

Full review

Staff have always been happy to provide advice to improve their services and products.

    Price   7 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Garry, Western Australia, reviewed about 2 months ago

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

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Sonja, New South Wales, reviewed 2 months 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

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Naomi, Western Australia, reviewed 3 months 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

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Winnie, Queensland, reviewed 3 months 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

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David, New South Wales, reviewed 4 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

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David, Victoria, reviewed 4 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

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Michael, New South Wales, reviewed 8 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

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Linda, Queensland, reviewed 9 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

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Anna, Victoria, reviewed 9 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

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Angela, Queensland, reviewed 10 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

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Rachna, Queensland, reviewed 10 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

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Ineke, Tasmania, reviewed 10 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

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Kirsten, Australian Capital Territory, reviewed 10 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

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Neville, Queensland, reviewed 10 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

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Juanita, Victoria, reviewed 11 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

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Steven, Western Australia, reviewed 12 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

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Molly, Victoria, reviewed about 1 year 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

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Peter, Tasmania, reviewed about 1 year 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

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Tina, Queensland, reviewed about 1 year 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

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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

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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

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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

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Kerralie, Australian Capital Territory, reviewed over 1 year ago

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Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2018

    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

  • 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

    3.59% p.a. variable

    comparison rate*

    3.61% 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: 3.59% p.a. variable
    • Comparison rate*: 3.61% 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

  • Bank Australia Basic Home Loan Special (LVR<80%, Owner Occupier)

    Bank Australia Basic Home Loan Special (LVR<80%, Owner Occupier)

    • Special rate of 3.66% p.a. comparison rate applies to a maximum LVR of 80%
    • Redraw available. Flexible repayments
    • Loan repayment pause for eco-upgrades to your home or maternity leave

    interest rate

    3.65% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Special rate of 3.66% p.a. comparison rate applies to a maximum LVR of 80%
    • Redraw available. Flexible repayments
    • Loan repayment pause for eco-upgrades to your home or maternity leave
    • Interest rate: 3.65% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.8

    Based on 79 Bank Australia home loan reviews

    Need more information?
    Go to site

    More info

  • Queensland Country Credit Union Discount Ultimate Home Loan Special (Principal & Interest, LVR<90%) (Package)

    Queensland Country Credit Union Discount Ultimate Home Loan Special (Principal & Interest, LVR<90%) (Package)

    • Available for Owner Occupied or Residential Investment purposes
    • Fully featured home loan including 100% offset and redraw (Owner Occupied loans only)
    • Bank with Queensland’s largest regionally based, Member-owned Credit Union

    interest rate

    3.61% p.a. variable

    comparison rate*

    3.97% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Available for Owner Occupied or Residential Investment purposes
    • Fully featured home loan including 100% offset and redraw (Owner Occupied loans only)
    • Bank with Queensland’s largest regionally based, Member-owned Credit Union
    • Interest rate: 3.61% p.a. variable
    • Comparison rate*: 3.97% p.a.
    • Upfront fees: $0
    • Ongoing fees: $350.00 yearly
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    9.4

    Based on 22 Queensland Country Credit Union home loan reviews

    Need more information?
    Go to site

    More info

  • Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access

    interest rate

    3.49% p.a. variable

    comparison rate*

    3.53% p.a.

    upfront fees

    $600

    Go to site

    More info

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access
    • Interest rate: 3.49% p.a. variable
    • Comparison rate*: 3.53% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - $10/month
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    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 499 home loans in the Mozo comparison engine.

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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.

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