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Home loans
Home Lender of the Year
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.
Help me to:
Our home loans
Understand the difference between loan purposes (a property to live in vs. an investment)
Bankwest Simple Home Loan
Variable Rate Home Loan
Get started with a smaller deposit and save on fees along the way.
- Borrow up to 98% (including Lenders Mortgage Insurance) of the property value
- Save with no application fee (usually $695) and no annual fee (other fees and charges may apply)
- Make extra repayments or redraw at no extra cost
- 100% offset facility available with a $10 monthly fee 1 Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
6.44%
p.a.
Variable rate
6.46%
p.a.
Comparison rate
For borrowings from 60.01% - 80% of the property value.
For principal and interest repayments
?
Understand the comparison rate
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. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
- Choose to make weekly, fortnightly or monthly repayments
?
If you decide to pay interest only, only monthly repayments are permitted.
6.99%
p.a.
Variable rate
7.37%
p.a.
Comparison rate
For borrowings up to 90% (including Lenders Mortgage Insurance) of the property value and loan sizes of $200,000+. Various tiers apply.
For principal and interest repayments
?
Understand the comparison rate
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. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
- Choose to make weekly, fortnightly or monthly repayments
?
If you decide to pay interest only, only monthly repayments are permitted.
6.59%
p.a.
3 year fixed rate
7.25%
p.a.
Comparison rate
For borrowings up to 80% of the property value and loan sizes of $200,000+.
For principal and interest repayments
?
Understand the comparison rate
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
2
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.
6.79%
p.a.
3 year fixed rate
8.40%
p.a.
Comparison rate
For borrowings up to 80% of the property value.
For principal and interest repayments
?
Understand the comparison rate
Bankwest Simple Home Loan
Variable Rate Home Loan
Get started with a smaller deposit and save on fees along the way.
- Borrow up to 90% (including Lenders Mortgage Insurance) of the property value
- Save with no application fee (usually $695) and no annual fee (other fees and charges may apply)
- Make extra repayments or redraw at no extra cost
- 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. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
6.59%
p.a.
Variable rate
6.61%
p.a.
Comparison rate
For borrowings from 60.01% - 80% of the property value.
For principal and interest repayments
?
Understand the comparison rate
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. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
- For investment properties, receive a saving on the cost of a depreciation schedule prepared by DEPPRO Pty Ltd
3
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.
7.89%
p.a.
Variable rate
8.26%
p.a.
Comparison rate
For borrowings up to 90% (including Lenders Mortgage Insurance) of the property value and loan sizes of $200,000+.
For principal and interest repayments
?
Understand the comparison rate
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. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
- For investment properties, receive a saving on the cost of a depreciation schedule prepared by DEPPRO Pty Ltd
3
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.
6.79%
p.a.
3 year fixed rate
7.93%
p.a.
Comparison rate
For borrowings up to 90% of the property value and loan sizes of $200,000+.
For principal and interest repayments
?
Understand the comparison rate
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
2
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.
6.99%
p.a.
3 year fixed rate
8.89%
p.a.
Comparison rate
For borrowings up to 90% of the property value.
For principal and interest repayments
?
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.
With an eligible home loan, you can bucket your money into multiple offset accounts. The balance of each account is deducted from your home loan, allowing you to reduce the overall interest you pay on the lifetime of your loan. 1 Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
Home Lender of the Year
Reason to celebrate
Awarded by you in Money magazine's Consumer Finance Awards 2023.
Home loan guides
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Whatever stage you’re at on your home ownership journey, we’re here to help.
