Home loan repayments calculator
Work out what your mortgage repayments could be and discover how much you could save if you made extra repayments.
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Home loans
Whether you’re buying your first home, next home or an investment property, we’ve got a range of fixed and variable rate home loans to help you get there.
$2,000 cashback when you refinance to us
If you’re eligible and you apply to move your home loan to us by 5 Feb 2021, you could get home loan comfy with $2,000 cashback. 7
Loan must be funded by 30 April 2021. Min. refinance amount $250k. For borrowings up to 80% of the property value. Excludes refinances from Bankwest and CommBank. Eligibility requirements and T&Cs apply.
Our home loans
What's the difference between a property to live in and an investment purpose ?
Complete Variable Home Loan Package
A variable home loan, plus the flexibility to add on other good stuff – like multiple offset accounts and an eligible credit card.
- $395 annual fee
- No application fee (other fees and charges may apply)
- Multiple 100% offset accounts available
1
Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply.
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- Choose to make weekly, fortnightly or monthly repayments
2
If you decide to pay interest only, only monthly repayments are permitted.
Close
3.32%
p.a.
Variable rate
3.76%
p.a.
Comparison rate
For borrowings up to 90% of the property value and loan sizes of $200,000+. Various tiers apply.
For principal and interest repayments
3
Understand the comparison rate
Complete Variable Home Loan Package
A variable home loan, plus the flexibility to add on other good stuff – like multiple offset accounts and an eligible credit card.
- $395 annual fee
- No application fee (other fees and charges may apply)
- Multiple 100% offset accounts available 1 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. Close
- Minimum 50% discount on a depreciation schedule prepared by Deppro Pty Ltd
6
If you take out a Bankwest home loan for investment purposes, you will be contacted by Deppro Pty Ltd. Bankwest does not endorse or approve the depreciation schedule prepared by Deppro Pty Ltd.
Close
3.92%
p.a.
Variable rate
4.35%
p.a.
Comparison rate
For borrowings up to 90% of the property value and loan sizes of $200,000+.
For principal and interest repayments
3
Understand the comparison rate
Complete Fixed Home Loan Package
A fixed home loan, plus the flexibility to add on other good stuff – like multiple offset accounts and an eligible credit card.
- $395 annual fee
- No application fee (other fees and charges may apply)
- Multiple 40% offset accounts available
1
Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply.
Close
- Choose to make weekly, fortnightly or monthly repayments
2
If you decide to pay interest only, only monthly repayments are permitted.
Close
1.99%
p.a.
Four-year fixed rate
3.33%
p.a.
Comparison rate
For borrowings up to 80% of the property value and loan sizes of $200,000+.
For principal and interest repayments
3
Understand the comparison rate
Complete Fixed Home Loan Package
A fixed home loan, plus the flexibility to add on other good stuff – like multiple offset accounts and an eligible credit card.
- $395 annual fee
- No application fee (other fees and charges may apply)
- Multiple 40% offset accounts available
1
Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply.
Close
- Minimum 50% discount on depreciation schedule prepared by Deppro Pty Ltd
6
If you take out a Bankwest home loan for investment purposes, you will be contacted by Deppro Pty Ltd. Bankwest does not endorse or approve the depreciation schedule prepared by Deppro Pty Ltd.
Close
2.49%
p.a.
Three-year fixed rate
3.98%
p.a.
Comparison rate
For borrowings up to 90% of the property value and loan sizes of $200,000+.
For principal and interest repayments
3
Understand the comparison rate
Variable Rate Home Loan
Offering a discount off Bankwest's standard variable rate, the Premium Select Home Loan currently has a $0 application fee (usually $695). Other fees and charges may apply.
4
- $0 monthly and annual fees (other fees and charges may apply)
- 100% offset facility available with a $10 monthly fee per offset account 1 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. Close
- Make extra repayments any time
- Choose to make weekly, fortnightly or monthly repayments
2
If you decide to pay interest only, only monthly repayments are permitted.
Close
3.42%
p.a.
Variable rate
3.44%
p.a.
Comparison rate
For borrowings up to 90% of the property value.
For principal and interest repayments
3
Understand the comparison rate
Variable Rate Home Loan
Offering a discount off Bankwest's standard variable rate, the Premium Select Home Loan currently has a $0 application fee (usually $695). Other fees and charges may apply.
4
4.02%
p.a.
Variable rate
4.04%
p.a.
Comparison rate
For borrowings up to 90% of the property value.
For principal and interest repayments
3
Understand the comparison rate
Fixed Rate Home Loan
For those who want the certainty of regular repayments, the Fixed Rate Home Loan lets you lock in your interest rate for one to five years.
- Save $400 on the application fee (other fees and charges may apply)
- Fix from one to five years
- 40% offset facility available
5
Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. No offset fee applies during the fixed term although a $12 monthly loan maintenance fee applies. At the end of the fixed term, a $10 monthly offset fee applies per offset account. Monthly offset fee is charged to the offset account, not the home loan.
Close
2.19%
p.a.
Four-year fixed rate
3.97%
p.a.
Comparison rate
For borrowings up to 80% of the property value.
For principal and interest repayments
3
Understand the comparison rate
Fixed Rate Home Loan
For those who want the certainty of regular repayments, the Fixed Rate Home Loan lets you lock in your interest rate for one to five years.
- Save $400 on the application fee (other fees and charges may apply)
- Fix from one to five years
- 40% offset facility available
5
Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. No offset fee applies during the fixed term although a $12 monthly loan maintenance fee applies. At the end of the fixed term, a $10 monthly offset fee applies per offset account. Monthly offset fee is charged to the offset account, not the home loan.
Close
2.69%
p.a.
Three year fixed rate
4.75%
p.a.
Comparison rate
For borrowings up to 90% of the property value.
For principal and interest repayments
3
Understand the comparison rate
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.
Home loan calculators
Calculate your borrowing power
Find out how much you can borrow and calculate what your repayments might be based on your income and regular expenses.
Calculate potential home loan fees
Get an estimate on stamp duty, lenders' mortage insurance and other non-standard home buying fees that come with purchasing a property.
Home loan comparison calculator
Compare the repayments on Bankwest home loans and find out if refinancing your loan may save you money on interest in the long term.
Let's talk about what’s possible
Book a time with a Home Lending Specialist – when and where it suits you. You can talk over the phone, meet at a branch, or have a Mobile Lending Manager come to you. They're even available evenings and weekends.