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Westpac · Home loan · Variable
LiveFlexi First : Our lowest online variable home loan rate (Owner Occupied)
As of 18 September 2026, the Westpac Flexi First : Our lowest online variable home loan rate (Owner Occupied)'s variable owner-occupier P&I variant has a comparison rate of 6.10% (6.09% advertised), ranking 12th of 107 variable owner-occupier P&I loans and sitting 0.66 points below the market average of 6.76%. The product comes in 5 variants; the others are interest-only and other LVR bands.
6.10%comparison rate p.a.
6.09% advertised · Variable · P&I · Owner-occupier · 70–80% LVR
4 other variants: interest-only and other LVR bands below.
Rate over time
Comparison rate · Variable · P&I · Owner-occupier · 70–80% LVR- Flexi First : Our lowest online variable home loan rate (Owner Occupied) · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier · ≤70% LVR
- 6.00% comparison · 5.99% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.10% comparison · 6.09% advertised
- Variable · P&I · Owner-occupier · 80–95% LVR
- 6.85% comparison · 6.84% advertised
- Variable · Interest Only · Owner-occupier · ≤70% LVR
- 5.86% comparison · 6.68% advertised
- Variable · Interest Only · Owner-occupier · 70–80% LVR
- 5.96% comparison · 6.78% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Redraw fee
- None
Features
Headline variant- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- Yes
- Repayment holiday
- Yes
Eligibility
- Minimum loan
- $25,000
About this product
Your double you gives you a discounted basic variable home loan rate.