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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.

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Complete Variable Home Loan Package

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The Complete Variable Home Loan Package includes a variable rate home loan, bundled with an eligible credit card and offset account.

  • $395 annual fee
  • No application fee
  • 100% offset facility with no monthly offset fees 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

3.57 %
p.a.

Variable rate

4.00 %
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

Learn more

Complete Variable Home Loan Package

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The Complete Variable Home Loan Package includes a variable rate home loan, bundled with an eligible credit card and offset account.

  • $395 annual fee
  • No application fee
  • 100% offset facility with no monthly offset fees 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

4.17 %
p.a.

Variable rate

4.59 %
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

Learn more

Complete Fixed Home Loan Package

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The Complete Fixed Home Loan Package includes a fixed rate home loan, bundled with an eligible credit card and offset account.

  • $395 annual fee
  • No application fee
  • 40% offset facility with no monthly offset fees 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

2.99 %
p.a.

Three-year fixed rate

3.86 %
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

Learn more

Complete Fixed Home Loan Package

Learn more

The Complete Fixed Home Loan Package includes a fixed rate home loan, bundled with an eligible credit card and offset account.

  • $395 annual fee
  • No application fee
  • 40% offset facility with no monthly offset fees 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

3.58 %
p.a.

Three-year fixed rate

4.44 %
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

Learn more

Variable Rate Home Loan

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Offering a discount off Bankwest's standard variable rate, the Premium Select Home Loan currently has a $0 application fee (usually $695). 4

  • $0 monthly and annual fees
  • 100% offset facility available with a $10 monthly fee 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

3.67 %
p.a.

Variable rate

3.69 %
p.a.

Comparison rate

For borrowings up to 90% of the property value.
For principal and interest repayments 3
Understand the comparison rate

Learn more

Variable Rate Home Loan

Learn more

Offering a discount off Bankwest's standard variable rate, the Premium Select Home Loan currently has a $0 application fee (usually $695). 4

  • $0 monthly and annual fees
  • 100% offset facility available with a $10 monthly fee 1 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. Close
  • Make extra repayments any time

4.27 %
p.a.

Variable rate

4.29 %
p.a.

Comparison rate

For borrowings up to 90% of the property value.
For principal and interest repayments 3
Understand the comparison rate

Learn more

Fixed Rate Home Loan

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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
  • 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 an offset fee of $10 per month will apply if an offset account is held. Monthly offset fee is charged to the offset account, not the home loan. Close

4.03 %
p.a.

Two year fixed rate

4.88 %
p.a.

Comparison rate

For borrowings up to 90% of the property value.
For principal and interest repayments 3
Understand the comparison rate

Learn more

Fixed Rate Home Loan

Learn more

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
  • 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 an offset fee of $10 per month will apply if an offset account is held. Monthly offset fee is charged to the offset account, not the home loan. Close

4.13 %
p.a.

Two year fixed rate

5.42 %
p.a.

Comparison rate

For borrowings up to 90% of the property value.
For principal and interest repayments 3
Understand the comparison rate

Learn more
See detailed comparison
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

Home loan repayments calculator

Work out what your mortgage repayments could be and discover how much you could save if you made extra repayments.

My loan repayments

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.

How much could I borrow?

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.

What are my upfront costs?

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.

How my home loan compares

Let’s talk about what’s possible

Get in touch with a Home Finance Manager – choose the option that’s right for you.

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Things you should know
  1. Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply.

  2. If you decide to pay interest only, only monthly repayments are permitted.

  3. Different rates apply for interest only repayments, contact your Home Finance Manager or call us on 13 17 19 to find out more.

  4. For owner occupiers the standard variable rate is the variable Mortgage Shredder Reference Rate or the variable Mortgage Shredder Interest Only Reference Rate. For investment purposes the standard variable rate is the Investor Reference Rate or the Investor Interest Only Reference Rate. See our home loan reference rates.

  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 an offset fee of $10 per month will apply if an offset account is held. Monthly offset fee is charged to the offset account, not the home loan.

  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.


Other fees may apply, including government and bank fees. A full list of fees will be set out in your home loan contract.