Westpac home loans
4 home loans with 24 options: variable or fixed from 1 to 5 years, for owner-occupiers or investors, paying principal and interest or interest only. Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate.
- Flexi First Our lowest online variable home loan rateRedraw · no ongoing fee6.35%
- Rocket Loan Variable Home Loan with OffsetOffset account · redraw · no ongoing fee7.11%
- Variable Rate Investment Property LoanRedraw · no ongoing fee–
- Fixed Rate Home LoanRedraw · no ongoing fee–
The lowest rate for each choice: the comparison rate where the lender publishes one, else the advertised rate. Every variant is on the loan's own page.
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.
October 20268 changes
- 13Tue
- Variable Rate Investment Property Loan2 variants up 0.2513 days after the RBA rise to 4.60%+0.25All Variable · Investor · ≤95% LVR
P&I 9.38 9.63 +0.25 Interest Only 9.64 9.89 +0.25
- 10Sat
- Flexi First: Our lowest online variable home loan rate (Investor)6 variants up 0.17 to 0.2510 days after the RBA rise to 4.60%+0.17 to +0.25All Variable · Investor
P&I · ≤70% LVR 6.15 6.40 +0.25 P&I · 70–80% LVR 6.25 6.50 +0.25 Interest Only · ≤70% LVR 6.09 6.26 +0.17 Interest Only · 70–80% LVR 6.19 6.36 +0.17 P&I · 80–95% LVR 7.15 7.40 +0.25 Interest Only · 80–90% LVR 7.43 7.61 +0.18 - Rocket Loan: Variable Home Loan with Offset (Owner Occupied)5 variants up 0.24 to 0.2510 days after the RBA rise to 4.60%+0.24 to +0.25All Variable · Owner-occupier
P&I · ≤70% LVR 6.77 7.01 +0.24 P&I · 70–80% LVR 6.86 7.11 +0.25 P&I · 80–95% LVR 7.16 7.41 +0.25 Interest Only · ≤70% LVR 7.00 7.25 +0.25 Interest Only · 70–80% LVR 7.10 7.35 +0.25 - Flexi First: Our lowest online variable home loan rate (Owner Occupied)5 variants up 0.11 to 0.2510 days after the RBA rise to 4.60%+0.11 to +0.25All Variable · Owner-occupier
P&I · ≤70% LVR 6.00 6.25 +0.25 P&I · 70–80% LVR 6.10 6.35 +0.25 Interest Only · ≤70% LVR 5.86 5.97 +0.11 Interest Only · 70–80% LVR 5.96 6.07 +0.11 P&I · 80–95% LVR 6.85 7.10 +0.25 - Fixed Rate Home Loan55 variants up 0.13 to 0.3610 days after the RBA rise to 4.60%+0.13 to +0.36
- Rocket Loan: Variable Home Loan with Offset (Investor)6 variants up 0.24 to 0.2510 days after the RBA rise to 4.60%+0.24 to +0.25All Variable · Investor
P&I · ≤70% LVR 6.96 7.21 +0.25 P&I · 70–80% LVR 7.06 7.31 +0.25 Interest Only · ≤70% LVR 7.10 7.35 +0.25 Interest Only · 70–80% LVR 7.20 7.45 +0.25 P&I · 80–95% LVR 7.36 7.60 +0.24 Interest Only · 80–90% LVR 7.50 7.75 +0.25
- 8Thu
- Rocket Loan: Variable Home Loan with Offset (Owner Occupied)application fee $600 → $0 on 5 variants−$600All Variable · Owner-occupier
P&I · ≤70% LVR $600 $0 −$600 P&I · 70–80% LVR $600 $0 −$600 P&I · 80–95% LVR $600 $0 −$600 Interest Only · ≤70% LVR $600 $0 −$600 Interest Only · 70–80% LVR $600 $0 −$600 - Fixed Rate Home Loanapplication fee $600 → $0 on 40 variants−$600
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare home loans · Home loan report
Notes on Westpac home loans
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As of 1 November 2026, Westpac has four home loan products in 79 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.35% (Flexi First Our lowest online variable home loan rate), ranking 23rd of 93 variable owner-occupier P&I loans and sitting 0.23 points below the market average of 6.58%. Its rates last moved on 13 October 2026, 13 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.