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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 28 February 2023, you could get less home load with $2,000 cashback.
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Loan must be funded by 30 April 2023. Min. refinance amount $250k. For borrowings up to 90% (including lenders mortgage insurance) of the property value. Excludes refinances from Bankwest and CommBank. Eligibility requirements and T&Cs apply.
Image for illustrative purposes only.
Our home loans
What's the difference between a property to live in and an investment purpose ?
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. Maximum 40% offset is available with our Complete Fixed and Fixed Rate Home Loan. Other exclusions apply. Where a monthly offset fee applies, it will apply to each offset account held.
- 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.
3.84%
p.a.
Variable rate
3.86%
p.a.
Comparison rate
For borrowings up to 70% of the property value.
For principal and interest repayments
3
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. Maximum 40% offset is available with our Complete Fixed and Fixed Rate Home Loan. Other exclusions apply. Where a monthly offset fee applies, it will apply to each offset account held.
- Choose to make weekly, fortnightly or monthly repayments
2
If you decide to pay interest only, only monthly repayments are permitted.
4.74%
p.a.
Variable rate
5.15%
p.a.
Comparison rate
For borrowings up to 95% (including Lenders Mortgage Insurance) of the property value and loan sizes of $200,000+. Various tiers apply.
For principal and interest repayments
3
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. Maximum 40% offset is available with our Complete Fixed and Fixed Rate Home Loan. Other exclusions apply. Where a monthly offset fee applies, it will apply to each offset account held.
- Choose to make weekly, fortnightly or monthly repayments
2
If you decide to pay interest only, only monthly repayments are permitted.
5.39%
p.a.
One-year fixed rate
5.21%
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
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.
5.59%
p.a.
One-year fixed rate
6.46%
p.a.
Comparison rate
For borrowings up to 80% of the property value.
For principal and interest repayments
3
Understand the comparison rate
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. Maximum 40% offset is available with our Complete Fixed and Fixed Rate Home Loan. Other exclusions apply. Where a monthly offset fee applies, it will apply to each offset account held.
- Make extra repayments any time
4.19%
p.a.
Variable rate
4.21%
p.a.
Comparison rate
For borrowings up to 70% of the property value.
For principal and interest repayments
3
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. Maximum 40% offset is available with our Complete Fixed and Fixed Rate Home Loan. Other exclusions apply. 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
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.
5.59%
p.a.
One-year fixed rate
6.06%
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
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. Maximum 40% offset is available with our Complete Fixed and Fixed Rate Home Loan. Other exclusions apply. 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
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.
5.67%
p.a.
Variable rate
6.06%
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
3
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
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.
5.79%
p.a.
One-year fixed rate
7.06%
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.
Slice and dice to save on home loan interest
Multiple offset accounts
Your money’s less lazy with the Complete Home Loan Package. You can slice your money into multiple offset accounts, where the balance of each account is deducted from your home loan, reducing the overall interest you pay. So, you can manage your money how it suits you, knowing all your money is working hard. 1 Offset Transaction Account must be held in the same name as the loan. Maximum 40% offset is available with our Complete Fixed and Fixed Rate Home Loan. Other exclusions apply. Where a monthly offset fee applies, it will apply to each offset account held.
Home loan calculators
Calculate home loan repayments
Work out what your mortgage repayments could be and discover how much you could save if you made extra 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.
Calculate home loan fees and stamp duty
Get an estimate on stamp duty, lenders' mortage insurance and other non-standard home buying fees that come with purchasing a property.
Calculate how much you could save
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.
- Offset Transaction Account must be held in the same name as the loan. Maximum 40% offset is available with our Complete Fixed and Fixed Rate Home Loan. Other exclusions apply. Where a monthly offset fee applies, it will apply to each offset account held.
- If you decide to pay interest only, only monthly repayments are permitted.
- Different rates apply for interest only repayments. Contact your Home Lending Specialist or call us on 13 17 19 to find out more.
- 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.
- 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.
- 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.
Home loan cashback promotion is available to Australian residents aged 18+ who refinance a property with a new Bankwest home loan.
- Home loan application must be submitted for full approval within the promotional period 12 November 2020 and 28 February 2023
- Home loan must be funded on or before 30 April 2023
- Lending must be new to Bankwest (refinances of existing Bankwest and CommBank loans are excluded from this offer)
- Lending must not exceed a loan to value ratio (LVR) of 80% for applications received from 12 November 2020 to 14 September 2021
- Lending must not exceed a LVR of 90% (including lenders mortgage insurance) for applications received from 15 September 2021 to 28 February 2023
- Repayment type can be principal and interest or interest only
- Available on owner occupier and investor home loans
- Minimum home-loan-specific refinance amount ≥$250k (excludes debt consolidation of personal loans and credit cards)
- Any available Bankwest home loan product is eligible
- Normal lending policies apply
- This offer is not available in conjunction with any other promotions
- Only one cashback per Eligible Customer. Only one cashback per eligible home loan. Where a home loan has more than one applicant and one applicant receives the cashback, all applicants are deemed to have received the cashback. Maximum cashback amount of $2,000
- Eligible customers will receive $2,000 cashback transferred electronically into their new home loan account.
Lending and eligibility criteria, and fees and charges, apply for our home loans. Rates are subject to change. The Complete Home Loan Package consists of an eligible home loan, one optional eligible credit card per customer and up to nine optional Offset Transaction Accounts per loan.
Other fees may apply, including government and bank fees. A full list of fees will be set out in your home loan contract.