As of 18 September 2026, the Westpac Fixed Rate Home Loan's 5-year fixed owner-occupier P&I variant has a comparison rate of 8.02% (6.89% advertised), ranking 44th of 49 5-year fixed owner-occupier P&I loans. The product comes in 55 variants; the others are investor, interest-only, other fixed terms and other LVR bands.
8.02%comparison rate p.a.
6.89% advertised · 5yr Fixed · P&I · Owner-occupier · ≤70% LVR
54 other variants: investor, interest-only, other fixed terms and other LVR bands below.
Rate over time
Comparison rate · 5yr Fixed · P&I · Owner-occupier · ≤70% LVR- Fixed Rate Home Loan · 5yr Fixed · P&I · Owner-occupier
- RBA cash rate
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- 1yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 8.63% comparison · 6.64% advertised
- 1yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 8.73% comparison · 6.74% advertised
- 1yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 9.03% comparison · 7.04% advertised
- 1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
- 8.67% comparison · 6.99% advertised
- 1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 8.77% comparison · 7.09% advertised
- 1yr Fixed · P&I · Investor · ≤70% LVR
- 9.12% comparison · 6.74% advertised
- 1yr Fixed · P&I · Investor · 70–80% LVR
- 9.22% comparison · 6.84% advertised
- 1yr Fixed · P&I · Investor · 80–95% LVR
- 9.52% comparison · 7.14% advertised
- 1yr Fixed · Interest Only · Investor · ≤70% LVR
- 9.15% comparison · 6.64% advertised
- 1yr Fixed · Interest Only · Investor · 70–80% LVR
- 9.25% comparison · 6.74% advertised
- 1yr Fixed · Interest Only · Investor · 80–95% LVR
- 9.55% comparison · 7.04% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 8.40% comparison · 6.54% advertised
- 2yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 8.49% comparison · 6.64% advertised
- 2yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 8.79% comparison · 6.94% advertised
- 2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
- 8.47% comparison · 6.89% advertised
- 2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 8.57% comparison · 6.99% advertised
- 2yr Fixed · P&I · Investor · ≤70% LVR
- 8.84% comparison · 6.64% advertised
- 2yr Fixed · P&I · Investor · 70–80% LVR
- 8.94% comparison · 6.74% advertised
- 2yr Fixed · P&I · Investor · 80–95% LVR
- 9.23% comparison · 7.04% advertised
- 2yr Fixed · Interest Only · Investor · ≤70% LVR
- 8.89% comparison · 6.54% advertised
- 2yr Fixed · Interest Only · Investor · 70–80% LVR
- 8.99% comparison · 6.64% advertised
- 2yr Fixed · Interest Only · Investor · 80–95% LVR
- 9.29% comparison · 6.94% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 8.26% comparison · 6.74% advertised
- 3yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 8.36% comparison · 6.84% advertised
- 3yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 8.65% comparison · 7.14% advertised
- 3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
- 8.37% comparison · 7.09% advertised
- 3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 8.47% comparison · 7.19% advertised
- 3yr Fixed · P&I · Investor · ≤70% LVR
- 8.66% comparison · 6.84% advertised
- 3yr Fixed · P&I · Investor · 70–80% LVR
- 8.76% comparison · 6.94% advertised
- 3yr Fixed · P&I · Investor · 80–95% LVR
- 9.05% comparison · 7.24% advertised
- 3yr Fixed · Interest Only · Investor · ≤70% LVR
- 8.73% comparison · 6.74% advertised
- 3yr Fixed · Interest Only · Investor · 70–80% LVR
- 8.83% comparison · 6.84% advertised
- 3yr Fixed · Interest Only · Investor · 80–95% LVR
- 9.13% comparison · 7.14% advertised
- 4yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 8.15% comparison · 6.89% advertised
- 4yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 8.25% comparison · 6.99% advertised
- 4yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 8.54% comparison · 7.29% advertised
- 4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
- 8.31% comparison · 7.29% advertised
- 4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 8.41% comparison · 7.39% advertised
- 4yr Fixed · P&I · Investor · ≤70% LVR
- 8.54% comparison · 7.04% advertised
- 4yr Fixed · P&I · Investor · 70–80% LVR
- 8.63% comparison · 7.14% advertised
- 4yr Fixed · P&I · Investor · 80–95% LVR
- 8.92% comparison · 7.44% advertised
- 4yr Fixed · Interest Only · Investor · ≤70% LVR
- 8.63% comparison · 6.94% advertised
- 4yr Fixed · Interest Only · Investor · 70–80% LVR
- 8.74% comparison · 7.04% advertised
- 4yr Fixed · Interest Only · Investor · 80–95% LVR
- 9.04% comparison · 7.34% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 8.02% comparison · 6.89% advertised
- 5yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 8.12% comparison · 6.99% advertised
- 5yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 8.41% comparison · 7.29% advertised
- 5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
- 8.21% comparison · 7.29% advertised
- 5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 8.31% comparison · 7.39% advertised
- 5yr Fixed · P&I · Investor · ≤70% LVR
- 8.37% comparison · 7.04% advertised
- 5yr Fixed · P&I · Investor · 70–80% LVR
- 8.47% comparison · 7.14% advertised
- 5yr Fixed · P&I · Investor · 80–95% LVR
- 8.76% comparison · 7.44% advertised
- 5yr Fixed · Interest Only · Investor · ≤70% LVR
- 8.49% comparison · 6.94% advertised
- 5yr Fixed · Interest Only · Investor · 70–80% LVR
- 8.59% comparison · 7.04% advertised
- 5yr Fixed · Interest Only · Investor · 80–95% LVR
- 8.89% comparison · 7.34% advertised
Fees
Headline variant- Application fee
- $600
- Ongoing fee
- $33 a month
- Discharge fee
- $350
- Package annual fee
- $395 a year
- Redraw fee
- None
Features
Headline variant- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- Yes
- Repayment holiday
- Yes
Eligibility
- Minimum loan
- $15,000
About this product
Choose a Fixed Options home loan with terms from 1 to 5 years and lock in certainty. Get a guaranteed interest rate and set repayments over your fixed term