A home loan rate to smile about

1.99%
p.a.

Four-year fixed rate

3.33%
p.a.

Comparison rate

Enjoy the security of our low fixed rate – get home loan comfy with the Complete Fixed Home Loan Package.

For owner occupied borrowings with principal and interest repayments. For borrowings up to 80% of the property value and loan sizes of $200,000+. Understand the comparison rate.

Balance transfer offer

0% p.a. for 26 months on balance transfers

with the Breeze Mastercard®. Plus, we'll waive the annual fee for the first year. 2% balance transfer fee applies. Limited time for new customers only. Other fees apply. See full T&Cs under “Things you should know”.

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Handy banking tools at your fingertips

Bankwest App

Spend less time on your day-to-day banking, and more time on the things you love. There’s some cool, quick and easy stuff you can do securely in our app.

Terms of Use apply.

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Discover more and download

Learn and do more

Discover some of the things you can do when you're with Bankwest.

Pay with your mobile

Make payments on your Android devices with Google Pay™.

Alerts on the go

Receive customisable notifications about your account activity with Bankwest Easy Alerts.

Ways to bank with us

In these unusual times, you can do lots of everyday banking tasks safely and securely in Bankwest Online Banking or the Bankwest App.

I'm a Bankwest customer, now what?

Learn how you can manage and make the most out of…

Your home loan

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Your bank account

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What’s popular

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Find your BSB number

It's short for Bank State Branch number and easy to locate.

Ways to pay without cash

Pay with your compatible device or Australia’s first payment ring.

How can we help?

Speak with someone from the team today.


What's the comparison rate?
It’s a tool that can help you identify the truer cost of a loan. It’s calculated using a standard formula that includes the interest rate, as well as certain fees and charges relating to a loan (not all fees and charges are included).

Comparison rate warning:
Comparison rate is calculated on the statutory assumption of $150,000 loan over 25 years but the minimum required loan amount is $200,000 for the Complete Home Loan Package. 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 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.


Complete Home Loan Package:
Lending and eligibility criteria, and fees and charges apply – including an annual package fee of $395. Available to individuals and eligible family trusts. Minimum initial loan size $200,000. Rates are subject to change. Package consists of an eligible home loan, one optional eligible credit card per customer and up to nine optional Offset Transaction Accounts per loan.

Discounted annual fee and introductory balance transfer rate offer is available to new Bankwest Breeze Mastercard customers who apply from 11 December 2020 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.

Discounted annual fee
Annual fee is discounted in the first year and will be payable in subsequent years in advance on each anniversary date of card opening.

Introductory balance transfer rate:

  • A 2% balance transfer fee is payable on all transactions to which that balance transfer rate applies
  • Introductory balance transfer rate excludes cash advances 
  • Applies from the date the card is opened, regardless of when any balance transfer is processed by us 
  • After the intro period, the interest rate on any outstanding transferred balance will be charged at the ongoing rate for balance transfers as outlined in your credit card schedule 
  • Minimum balance transfer amount is $500 
  • A balance transfer request will only be processed up to 95% of your approved credit limit

View balance transfer terms and conditions.


The Bankwest Halo payment ring is only available to Australian citizens and Permanent or Temporary Residents over 16 years of age with an Australian residential address. Fees and charges apply.​​

Terms of Use apply to the use of Google Pay. Android, Google Pay, Google Play and the Google Play logo are trademarks of Google LLC.​

Bankwest Easy Alerts are available for your mobile personal transaction and savings accounts. Limited alerts only are available for credit card transactions. Bankwest Easy Alerts will be sent to any compatible iOS and Android device on which you have the Bankwest App and enabled notifications. Whilst some alerts may be sent to your device once you have enabled notifications, in order to receive the full range of Easy Alerts available you will also need to activate the Bankwest Easy Alerts service within the Bankwest App. Terms of Use apply. Bankwest Easy Alerts is currently supported on iOS 11 and Android 5.0 devices and above. Bankwest Easy Alerts is not available on tablets and Windows devices.