Lender profile · Home loans
LiveWestpac home loans
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As of 18 September 2026, Westpac has seven home loan products in 81 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.10% (Flexi First : Our lowest online variable home loan rate (Owner Occupied)), ranking 12th of 107 variable owner-occupier P&I loans and sitting 0.66 points below the market average of 6.76%.
- Lowest comparison rate
- 6.10%
- Flexi First : Our lowest online variable home loan rate (Owner Occupied)
- Market rank
- #12
- of 107 variable owner-occupier P&I loans
- Products
- 7
- 81 variants
- Last change
- —
- None recorded yet
Rates over time
Comparison rate of each product's headline variant- RBA cash rate
- Market average
- Flexi First : Our lowest online variable home loan rate (Investor)
- Flexi First : Our lowest online variable home loan rate (Owner Occupied)
- Fixed Rate Home Loan
- Premium Options Home Loan
- Rocket Loan : Variable Home Loan with Offset (Owner Occupied)
- Variable Rate Investment Property Loan
- Rocket Loan : Variable Home Loan with Offset (Investor)
What changed
No changes recorded for Westpac's home loans since tracking began on 12 September 2026.
Home loans
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · 6
Variable · Interest Only · Investor · ≤70% LVR · offset account · redraw · no ongoing fee · 6 variants
6.09%#1 of 80comparison · 6.39% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 70–80% LVR · offset account · redraw · no ongoing fee · 5 variants
6.10%#12 of 107comparison · 6.09% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · redraw · 2 variants
8.83%#72 of 81advertised · no comparison rate published
- Application fee
- $600
- Ongoing fee
- $33 a month
- Discharge fee
- $350
- Package annual fee
- $395 a year
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 70–80% LVR · offset account · redraw · 5 variants
8.97%#102 of 107comparison · 8.83% advertised
- Application fee
- $600
- Ongoing fee
- $33 a month
- Discharge fee
- $350
- Package annual fee
- $395 a year
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · redraw · 2 variants
9.38%#76 of 81advertised · no comparison rate published
- Application fee
- $600
- Ongoing fee
- $33 a month
- Discharge fee
- $350
- Package annual fee
- $395 a year
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤70% LVR · offset account · redraw · 6 variants
9.42%#77 of 81comparison · 9.28% advertised
- Application fee
- $600
- Ongoing fee
- $33 a month
- Discharge fee
- $350
- Package annual fee
- $395 a year
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Fixed · 1
5yr Fixed · P&I · Owner-occupier · ≤70% LVR · redraw · 55 variants
1y 8.73%2y 8.49%3y 8.36%4y 8.25%5y 8.12%8.02%#44 of 49comparison · 6.89% advertised
- Application fee
- $600
- Ongoing fee
- $33 a month
- Discharge fee
- $350
- Package annual fee
- $395 a year
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Notes on Westpac home loans
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