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Complete your home loan application today and get a great fixed rate

Fixed Rate Home Loan
One low rate, fixed from 1-5 years

For New Owner Occupier (Principal & Interest), Advantage Package Home Loans. LVR+ above 60% up to 80%. $395 annual package fee.

2.99% p.a.
1 year fixed rate
3.95% p.a.
Comparison rate*
2.99% p.a.
2 year fixed rate
3.90% p.a.
Comparison rate*
2.99% p.a.
3 year fixed rate
3.86% p.a.
Comparison rate*
2.99% p.a.
4 year fixed rate
3.81% p.a.
Comparison rate*
2.99% p.a.
5 year fixed rate
3.77% p.a.
Comparison rate*

T&C's apply. See comparison rate warning.

Don’t want to fix your rate? View all our home loan interest rates

  

  

You can pick up where you left off - just follow the instructions below

Retrieve your application in Internet Banking
 
  • You’ll need your Customer Access Number and Internet Banking logon details.
  • You’ll find your application on your Internet Banking dashboard.
       

  

What happens after I submit my application?

Start uploading your documents
  

Special offer


$2k

Cashback^ per property when you refinance

For new Owner Occupier (Principal & Interest) or Investment home loans with the Advantage Package. $395 annual package fee and $250k min loan per property applies. Excludes refinances from within Westpac Group. Applications received by 30 September 2019, with loan settled by 30 November 2019.


Important information

Conditions, fees and credit criteria apply.

Before making a decision, it’s best to read the terms and conditions:

Residential Loan Agreement – General Terms and Conditions (PDF 224KB)

Loan Accounts – Charges for specific services and accounts (PDF 183KB)

Advantage Package - Terms and Conditions (PDF 178KB)

Please read these documents and keep a copy. You can request a paper copy at a branch.

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it’s right for you. If you need help, call 1300 000 266 Tax consequences may arise from promotions for investors and customers should seek independent advice on any taxation matters..

*Comparison Rate: The comparison rate is based on a loan of $150,000 over a term of 25 years. After the fixed rate period expires the interest rate will revert to the applicable Standard Variable rate based on loan category and repayment type. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

+LVR  stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan.