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Home loan · 5yr Fixed

Fixed Rate Home Loan

Rate
Loan for
Repayments
Deposit

8.34%comparison rate p.a. · 7.09% advertised

5yr Fixed · P&I · Owner-occupier · ≤80% LVR

47th of 47 5-year fixed owner-occupier P&I loans

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The same choices at every rate type

Comparison rates are based on a secured loan of $150,000 over 25 years. 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.

Offset account
Yes
Redraw
No
Extra repayments
Yes
Application fee
$295
Ongoing fee
None
Discharge fee
$300
Compare all 321 home loans
Compare Bankwest Fixed Rate Home Loan side by side

1yr Fixed · P&I · Owner-occupier · ≤80% LVR
9.03% comparison · 6.79% advertised
1yr Fixed · P&I · Owner-occupier · 80–90% LVR
9.08% comparison · 7.19% advertised
1yr Fixed · P&I · Owner-occupier · 90–95% LVR
9.12% comparison · 7.59% advertised
1yr Fixed · P&I · Owner-occupier · 95–98% LVR
9.22% comparison · 8.39% advertised
1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
9.09% comparison · 7.29% advertised
1yr Fixed · P&I · Investor · ≤90% LVR
9.62% comparison · 6.99% advertised
1yr Fixed · P&I · Investor · 90–95% LVR
9.75% comparison · 8.09% advertised
1yr Fixed · Interest Only · Investor · ≤90% LVR
9.65% comparison · 7.19% advertised
2yr Fixed · P&I · Owner-occupier · ≤80% LVR
8.81% comparison · 6.89% advertised
2yr Fixed · P&I · Owner-occupier · 80–90% LVR
8.90% comparison · 7.29% advertised
2yr Fixed · P&I · Owner-occupier · 90–95% LVR
8.98% comparison · 7.69% advertised
2yr Fixed · P&I · Owner-occupier · 95–98% LVR
9.16% comparison · 8.49% advertised
2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
8.92% comparison · 7.39% advertised
2yr Fixed · P&I · Investor · ≤90% LVR
9.35% comparison · 7.09% advertised
2yr Fixed · P&I · Investor · 90–95% LVR
9.59% comparison · 8.19% advertised
2yr Fixed · Interest Only · Investor · ≤90% LVR
9.40% comparison · 7.29% advertised
3yr Fixed · P&I · Owner-occupier · ≤80% LVR
8.63% comparison · 6.99% advertised
3yr Fixed · P&I · Owner-occupier · 80–90% LVR
8.75% comparison · 7.39% advertised
3yr Fixed · P&I · Owner-occupier · 90–95% LVR
8.88% comparison · 7.79% advertised
3yr Fixed · P&I · Owner-occupier · 95–98% LVR
9.13% comparison · 8.59% advertised
3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
8.79% comparison · 7.49% advertised
3yr Fixed · P&I · Investor · ≤90% LVR
9.13% comparison · 7.19% advertised
3yr Fixed · P&I · Investor · 90–95% LVR
9.47% comparison · 8.29% advertised
3yr Fixed · Interest Only · Investor · ≤90% LVR
9.20% comparison · 7.39% advertised
4yr Fixed · P&I · Owner-occupier · ≤80% LVR
8.48% comparison · 7.04% advertised
4yr Fixed · P&I · Owner-occupier · 80–90% LVR
8.63% comparison · 7.44% advertised
4yr Fixed · P&I · Owner-occupier · 90–95% LVR
8.78% comparison · 7.84% advertised
4yr Fixed · P&I · Owner-occupier · 95–98% LVR
9.10% comparison · 8.64% advertised
4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
8.68% comparison · 7.54% advertised
4yr Fixed · P&I · Investor · ≤90% LVR
8.93% comparison · 7.24% advertised
4yr Fixed · P&I · Investor · 90–95% LVR
9.36% comparison · 8.34% advertised
4yr Fixed · Interest Only · Investor · ≤90% LVR
9.03% comparison · 7.44% advertised
5yr Fixed · P&I · Owner-occupier · ≤80% LVR
8.34% comparison · 7.09% advertised
5yr Fixed · P&I · Owner-occupier · 80–90% LVR
8.52% comparison · 7.49% advertised
5yr Fixed · P&I · Owner-occupier · 90–95% LVR
8.71% comparison · 7.89% advertised
5yr Fixed · P&I · Owner-occupier · 95–98% LVR
9.08% comparison · 8.69% advertised
5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
8.58% comparison · 7.59% advertised
5yr Fixed · P&I · Investor · ≤90% LVR
8.77% comparison · 7.29% advertised
5yr Fixed · P&I · Investor · 90–95% LVR
9.28% comparison · 8.39% advertised
5yr Fixed · Interest Only · Investor · ≤90% LVR
8.88% comparison · 7.49% advertised

Application fee
$295
Ongoing fee
None
Discharge fee
$300

Offset account
Yes
Redraw
No
Extra repayments
Yes
Portable
No
Repayment holiday
No

Minimum loan
$20,000

  • Fixed Rate Home Loan · 5yr Fixed · P&I · Owner-occupier
  • RBA cash rate
4.006.008.00SepOctToday8.34% p.a. today

October 20261 change

  1. 10Sat
    • 40 variants up 0.25 to 0.2710 days after the RBA rise to 4.60%
      1yr Fixed · P&I · Owner-occupier · ≤80% LVR8.789.03+0.25
      1yr Fixed · P&I · Owner-occupier · 80–90% LVR8.829.08+0.26
      1yr Fixed · P&I · Owner-occupier · 90–95% LVR8.879.12+0.25
      1yr Fixed · P&I · Owner-occupier · 95–98% LVR8.969.22+0.26
      1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR8.849.09+0.25
      1yr Fixed · P&I · Investor · ≤90% LVR9.379.62+0.25
      1yr Fixed · P&I · Investor · 90–95% LVR9.509.75+0.25
      1yr Fixed · Interest Only · Investor · ≤90% LVR9.399.65+0.26
      2yr Fixed · P&I · Owner-occupier · ≤80% LVR8.558.81+0.26
      2yr Fixed · P&I · Owner-occupier · 80–90% LVR8.648.90+0.26
      2yr Fixed · P&I · Owner-occupier · 90–95% LVR8.728.98+0.26
      2yr Fixed · P&I · Owner-occupier · 95–98% LVR8.909.16+0.26
      2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR8.668.92+0.26
      2yr Fixed · P&I · Investor · ≤90% LVR9.099.35+0.26
      2yr Fixed · P&I · Investor · 90–95% LVR9.339.59+0.26
      2yr Fixed · Interest Only · Investor · ≤90% LVR9.149.40+0.26
      3yr Fixed · P&I · Owner-occupier · ≤80% LVR8.378.63+0.26
      3yr Fixed · P&I · Owner-occupier · 80–90% LVR8.498.75+0.26
      3yr Fixed · P&I · Owner-occupier · 90–95% LVR8.628.88+0.26
      3yr Fixed · P&I · Owner-occupier · 95–98% LVR8.869.13+0.27
      3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR8.538.79+0.26
      3yr Fixed · P&I · Investor · ≤90% LVR8.879.13+0.26
      3yr Fixed · P&I · Investor · 90–95% LVR9.219.47+0.26
      3yr Fixed · Interest Only · Investor · ≤90% LVR8.949.20+0.26
      4yr Fixed · P&I · Owner-occupier · ≤80% LVR8.218.48+0.27
      4yr Fixed · P&I · Owner-occupier · 80–90% LVR8.378.63+0.26
      4yr Fixed · P&I · Owner-occupier · 90–95% LVR8.528.78+0.26
      4yr Fixed · P&I · Owner-occupier · 95–98% LVR8.839.10+0.27
      4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR8.418.68+0.27
      4yr Fixed · P&I · Investor · ≤90% LVR8.678.93+0.26
      4yr Fixed · P&I · Investor · 90–95% LVR9.109.36+0.26
      4yr Fixed · Interest Only · Investor · ≤90% LVR8.779.03+0.26
      5yr Fixed · P&I · Owner-occupier · ≤80% LVR8.088.34+0.26
      5yr Fixed · P&I · Owner-occupier · 80–90% LVR8.268.52+0.26
      5yr Fixed · P&I · Owner-occupier · 90–95% LVR8.448.71+0.27
      5yr Fixed · P&I · Owner-occupier · 95–98% LVR8.819.08+0.27
      5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR8.328.58+0.26
      5yr Fixed · P&I · Investor · ≤90% LVR8.508.77+0.27
      5yr Fixed · P&I · Investor · 90–95% LVR9.019.28+0.27
      5yr Fixed · Interest Only · Investor · ≤90% LVR8.628.88+0.26
      +0.25 to +0.27

A basic, fixed rate loan for those who want the certainty of consistent repayments.

Also from Bankwest: Bankwest Simple Home Loan 6.52% · Complete Variable Home Loan Package 6.88% · Complete Fixed Home Loan Package 7.51%

As of 2 November 2026, the Bankwest Fixed Rate Home Loan's 5-year fixed owner-occupier P&I variant has a comparison rate of 8.34% (7.09% advertised), ranking 47th of 47 5-year fixed owner-occupier P&I loans. The product comes in 40 variants; the others are investor, interest-only, other fixed terms and other LVR bands. Its rate last moved on 10 October 2026, 10 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.