Compare Home Loans

I'm looking for:
tangible
8
1292503051067
1269938440032
Complete Variable Home Loan
1292503051067
1269938440007
Complete Fixed Home Loan
1269938440032
1269939977416
1269939987618
1269939987708
1292498943802
Premium Select Home Loan
1269938440007
1269939977416
1269939987618
1292498943802
Fixed Rate Home Loan
1269939987618
1269939987708
1269939987724
Seniors Equity Release Home Loan
1292503051067
1269938440032
Complete Equity Loan
1269938440032
1269939987618
1269939987708
Regular Saver Home Loan
1269939977416
1269939987618
1269939987708
Mortgage Shredder Home Loan
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what do you get?

A discounted variable rate home loan combined in a package with an eligible credit card and the Offset Transaction Account.

A fixed rate home loan combined in a package with an eligible credit card and the Offset Transaction Account.

Save with a discount off the standard variable rate^ for the life of your loan. Ideal for those looking to purchase a new home, invest, renovate or refinance to Bankwest.

A fixed rate loan for up to 5 years with great rates available depending on the loan term you’re looking for.

Designed with retirees in mind this variable rate home loan could allow you to unlock up to 25% of the value of your property.

A discounted equity loan combined in a package with an eligible credit card. The equity loan can be used as a transaction account.

A basic variable home loan with flexible repayment options. Great for first home buyers.

Our standard variable rate home loan.

 
interest rate
Variable rate
4.02% p.a.
(For owner occupiers##
with LVR~ ≤90%.
Various tiers apply)
Fixed rate
3.89% p.a.
(3 year fixed term for owner occupiers##)
Variable rate
4.12% p.a.
(For owner occupiers##
with LVR~ ≤80%.
Various tiers apply)
fixed rate
3.99% p.a.
(3 year fixed term for owner occupiers##)
variable rate
6.30% p.a.
variable rate
4.57% p.a.
(various rate tiers apply)
variable rate
4.95% p.a.
(for owner occupiers##)
variable rate
5.45% p.a.
(for owner occupiers##)
 
comparison rate
4.43% p.a.
4.39% p.a.
(3 year fixed term for owner occupiers##)

4.13% p.a.

5.11% p.a.
(3 year fixed term for owner occupiers##)
6.34% p.a.

n/a

4.98% p.a.
(for owner occupiers##)
5.50% p.a.
(for owner occupiers##)
 
interest only payment option

up to 5 years

up to 5 years

up to 5 years

up to 5 years

n/a

n/a

up to 5 years

up to 5 years

 
available loan size

$200,000+

$200,000+

$20,000+

$20,000+

$20,000 - $250,000

$200,000+

$20,000+

$20,000+

 
application fee
$0
$0
$0
$295
$695
$0
$295
$695
 
ongoing fees
$395 annual package fee
$395 annual package fee

$0

$12 monthly loan maintenance fee (during the fixed term)
Included in your loan
$395 annual package fee

$0

$0

 
offset facility

100% - with the Offset Transaction Account (no monthly fee)

40% - with the Offset Transaction Account (no monthly fee)

100% - with the Offset Transaction Account (monthly fee of $10   applies)

40% - with the Offset Transaction Account (no monthly offset fee during the fixed term)

(monthly offset fee of $10 applies at expiry of fixed term on optional 100% offset facility)

n/a

n/a

100% - with the Offset Transaction Account (monthly fee of $10 applies)

100% - with the Offset Transaction Account (monthly fee of $10 applies)

 
extra repayments

available

maximum of $10,000 p.a. above minimum repayment, higher repayments may attract a fee

available

maximum of $10,000 p.a. above minimum repayment, higher repayments may attract a fee

available

available

available

available

 
 home loan package

only available as part of a home loan package

only available as part of a home loan package

n/a

n/a

n/a

only available as part of a home loan package

n/a

n/a

 
LVR - loan to value ratio

Up to 95% loan to value ratio for owner occupied loans


Up to 90% loan to value ratio for investment purposes

Up to 90% loan to value ratio for owner occupied loans


Up to 90% loan to value ratio for investment purposes

Up to 90% loan to value ratio for owner occupied loans


Up to 90% loan to value ratio for investment purposes

Up to 90% loan to value ratio for owner occupied loans


Up to 90% loan to value ratio for investment purposes

up to 25%

Up to 90% loan to value ratio for owner occupied loans


Up to 90% loan to value ratio for investment purposes

Up to 95% loan to value ratio for owner occupied loans

Up to 90% loan to value ratio for investment purposes

Up to 95% loan to value ratio for owner occupied loans

Up to 90% loan to value ratio for investment purposes

 
surplus redraw

free online redraw with no minimum. ( $10 fee and $1000 minimum applies if not done online)

n/a

free online redraw with no minimum. ( $10 fee and $1000 minimum applies if not done online)

n/a

n/a

n/a

free online redraw with no minimum. ( $10 fee and $1000 minimum applies if not done online)

n/a

 
termination fees
$0

fee applies if loan terminated or repaid before end of agreed fixed period

$0

fee applies if loan terminated or repaid before end of agreed fixed period

$0
$0
$0
$0
 
loan term

up to 30 years

up to 30 years

up to 30 years

fixed term for up to 5 years

reverts to Mortgage Shredder Home Loan at expiry of fixed term

up to 30 years

up to 30 years

up to 30 years

up to 30 years

 
repayment frequency

weekly, fortnightly or monthly

weekly, fortnightly or monthly

weekly, fortnightly or monthly

weekly, fortnightly or monthly (Monthly repayments for interest only loans)

on estate settlement

on estate settlement

weekly, fortnightly or monthly

weekly, fortnightly or monthly

 
read the small print  

^ For owner occupiers the standard variable rate is the Mortgage Shredder Reference Rate. For investors the standard variable rate is the Investor Reference Rate .
# Offset Transaction Account not available with Complete Equity Loan.
## Rate is for owner occupiers only. Where the predominant purpose of the loan is for investment purposes then you will not be eligible for this rate. Note: investment purpose includes but is not limited to, funds for shares, land, construction or an established dwelling (including re-finance of investment loans) for investment purposes.
~ LVR is the loan to value ratio. If you have a higher loan to value ratio differing rates will apply.
Comparison rate based on a loan of $150,000 for a term of 25 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. For Complete Variable and Fixed Home Loans: Comparison rate is calculated on the statutory assumption of a $150,000 loan over 25 years but the minimum required loan amount is $200,000. Different rates apply for different loan amounts and may depend on the duration of a fixed rate period or the ratio of the loan amount to the property value. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

 

Important things you should know: Rates subject to change. Complete Home Loan Package: also referred to as ‘package’ and is available to individuals (including individual trustees of family trusts). Package must include an eligible home loan, credit card and (unless you hold only a Complete Equity Loan) an Offset Transaction Account. Minimum initial loan size $200,000. Under the package, only one Bankwest More Platinum MasterCard account or Bankwest Qantas Platinum MasterCard account is allowed per customer. The Complete Home Loan Package ends when all home loans included in the package are closed. Offset Transaction Account: Offset facility not available to companies, businesses and trading family trusts.

Bankwest SWIFT code: BKWAAU6P | Find your BSB by logging into Online Banking.

© 2016 Copyright Bankwest, a division of Commonwealth Bank of Australia (Bankwest) ABN 48 123 123 124 AFSL / Australian credit licence 234945. All rights reserved. To use this Website, you are required to read the Financial Services Guide (which you agree to be provided by accessing the link). Bankwest is a division of Commonwealth Bank of Australia, which is the product issuer unless otherwise stated. Rates stated are subject to change without notice. Any advice given does not take into account your objectives, financial situation or needs so please consider whether it is appropriate for you. For deposit and payment products, please ensure you read and consider the Product Disclosure Statement (which you agree to be provided through this link) before making any decision about the product(s). For lending products, lending criteria and fees and charges apply. Terms and conditions apply and are available on request.