Complete Fixed Home Loan | With Offset Accounts

Complete Fixed Home Loan Package

A less lazy home loan that comes with the security of a fixed rate, plus the flexibility to add other good stuff to suit your needs — like multiple offset accounts and an eligible credit card. 1

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Property to live in

4.29%
p.a.

One-year fixed rate

4.22%
p.a.

Comparison rate

For borrowings up to 80% of the property value and loan sizes of $200,000+. For principal and interest repayments.

Investment purpose

4.49%
p.a.

One-year fixed rate

5.06%
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.

Enquire now

Understand the comparison rate and difference between loan purposes (a property to live in vs. an investment).

How the Complete Home Loan Package works

For an annual package fee of $395, you get a Complete Fixed Home Loan, plus the flexibility to add on features to help you manage your mortgage and money your way. 2

For a less lazy home loan, you can choose to add...

Slice and dice your money into multiple offset accounts to help you manage your money while saving on home loan interest. Use an offset like an everyday bank or savings account where the balance in each account is reduced from your home loan balance, reducing the overall interest you pay.

40% offset applies, you'll pay no monthly offset fees, and you can easily open single and joint offset accounts in the Bankwest App. Other fees and charges may apply. 1

Our Breeze Mastercard^® in the Classic or Platinum tier has our low ongoing purchase rate, while our Bankwest More Mastercard in the Classic or Platinum tier and our Bankwest Qantas Platinum Mastercard let you earn points.

Pick one to suit your needs and pay no annual credit card fee. Other fees and charges may apply. 3

Why choose our Complete Fixed Home Loan Package?

With a fixed rate loan, you'll have peace of mind knowing that your interest rate and home loan repayments won't change during the fixed period. 2

Pay weekly, fortnightly or monthly. Plus, make extra repayments of up to $10,000 a year. 4 If you decide to pay interest only, only monthly repayments are permitted.
5 Redraw is not available whilst an account is on a Fixed Rate. This feature will be available once the Fixed Rate term ends.

$0 home loan application fee and property valuation fees. Other fees and charges may apply. 6 Other fees and charges, such as break fees on a fixed rate loan, may apply.

Easy digital application experience

Track your application online in real time with our Home Loan Application Tracker. You can also sign your loan documents online anytime.

Want to get closer to your goals?

Whether you’re renovating, building a house or buying an investment property, the flexibility of our Complete Home Loan Package could help you get there.

Get a minimum 50% discount on a depreciation schedule prepared by Deppro Pty Ltd. 12 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.

This lets you renovate, upsize, downsize or invest in property. Lending criteria applies.

Fixed interest rates and fees

Secure a fixed rate for one to five years (rate will change depending on your loan term). 9 Before going into a fixed rate loan, it's worth thinking about the implications should you decide to break the loan during the fixed period, as break fees may apply.

Understand the difference between loan purposes (a property to live in vs. an investment)

Show me detailed rates and fees for a property to live in a property to live in a property to live in an investment purpose

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Rates - borrowings up to 80% of the property value
Fixed term	Fixed rate	Comparison rate
1 year fixed rate	4.29% p.a.	4.22% p.a.
2 year fixed rate	4.89% p.a.	4.38% p.a.
3 year fixed rate	5.19% p.a.	4.55% p.a.
4 year fixed rate	5.29% p.a.	4.70% p.a.
5 year fixed rate	5.39% p.a.	4.85% p.a.
Rates are for principal and interest repayments 10		Understand the comparison rate

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Rates - borrowings 80.01% - 90% (including Lenders Mortgage Insurance) of the property value
Fixed term	Fixed rate	Comparison rate
1 year fixed rate	4.49% p.a.	4.24% p.a.
2 year fixed rate	5.09% p.a.	4.41% p.a.
3 year fixed rate	5.39% p.a.	4.61% p.a.
4 year fixed rate	5.49% p.a.	4.77% p.a.
5 year fixed rate	5.59% p.a.	4.94% p.a.
Rates are for principal and interest repayments 10		Understand the comparison rate

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Rates - borrowings 90.01% - 95% (including Lenders Mortgage Insurance) of the property value
Fixed term	Fixed rate	Comparison rate
1 year fixed rate	4.69% p.a.	4.26% p.a.
2 year fixed rate	5.29% p.a.	4.45% p.a.
3 year fixed rate	5.59% p.a.	4.66% p.a.
4 year fixed rate	5.69% p.a.	4.84% p.a.
5 year fixed rate	5.79% p.a.	5.03% p.a.
Rates are for principal and interest repayments 10		Understand the comparison rate

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Rates - borrowings 95.01% - 98% (including Lenders Mortgage Insurance) of the property value
Fixed term	Fixed rate	Comparison rate
1 year fixed rate	5.19% p.a.	5.75% p.a.
2 year fixed rate	5.79% p.a.	5.85% p.a.
3 year fixed rate	6.09% p.a.	5.97% p.a.
4 year fixed rate	6.19% p.a.	6.06% p.a.
5 year fixed rate	6.29% p.a.	6.17% p.a.
Rates are for principal and interest repayments 10		Understand the comparison rate

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Rates - borrowings up to 90% (including Lenders Mortgage Insurance) of the property value
Fixed term	Fixed rate	Comparison rate
1 year fixed rate	4.49% p.a.	5.06% p.a.
2 year fixed rate	5.09% p.a.	5.16% p.a.
3 year fixed rate	5.39% p.a.	5.28% p.a.
4 year fixed rate	5.49% p.a.	5.37% p.a.
5 year fixed rate	5.59% p.a.	5.47% p.a.
Rates are for principal and interest repayments 10		Understand the comparison rate

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Fees
Fee	Amount
Annual Package fee ? This is charged to the nominated home loan.	$395
Transfer fee 11	$0
Settlement attendance fee (Legal disbursement fee) ? Applies when we take a new security.	$250

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Note: When you buy a property, other fees may apply, including government and bank fees. Calculate the upfront costs of buying a home.

Rates and fees are subject to change. A full list of fees will be set out in your home loan contract.

Download the Key Facts Sheet for this product.

Offset Transaction Account terms and conditions:
The relevant Product Schedule together with all of the related documents form the complete Product Disclosure Statement for this product.

Product Schedule:

Bankwest Offset Transaction Account (PDF)

Related documents:

Start your application online

Check your eligibility

You must be 18 years or older
You must be a permanent Australian resident
Minimum loan size $200,000
Available to individuals, and eligible family trusts (through relationship managers or Bankwest small business customers service team only)
You must meet Bankwest's lending criteria.

Financial details, including your income, expenses, assets and liabilities
Two forms of identification, like your Australian Driver’s licence, Medicare card or Australian passport.

Things you will need after you submit online

All home lending applications are required to hold evidence of building insurance prior to settlement or final progress payment. Bankwest will not book settlement without this in place.

See a detailed list of what you may need

Get started

Already started? Track your application.

Frequently asked questions

Info at your fingertips

What is a home loan package?

A home loan package is a mortgage that also includes other banking products and features, like offset accounts and a credit card, under one package fee.

How can an offset account benefit my home loan?

An offset account is a transaction account that's linked to your eligible home loan. The balance in that account offsets your home loan balance, therefore reducing the amount of home loan interest you pay.

Can I switch my current home loan to the Complete Fixed Home Loan Package?

You can easily request to switch your variable home loan to us, we'd love to have you. To get started, you'll need to chat to one of our Home Lending Specialists, who will help you through the process.

Can you break a fixed term home loan?

Yes, but break fees may apply. The break fee depends on lots of factors, including how early you're breaking the fixed term.

Not looking to fix your loan?

We also offer a variable rate package option.
See if our Complete Variable Home Loan Package will suit you.

Find out more

Need help picking a home loan?

If you're ready to buy, refinance or invest, our Home Lending Specialists are here to help. Book a time to suit you - you can talk on the phone, meet at a branch, or have a Mobile Lending Manager come to you.

Make an appointment

Find a Mobile Lending Manager

Call us on 1300 402 694

Still exploring your options?

Use these mortgage calculators to guide you in your home ownership journey. Or, view all our home loan calculators.

…and find one to suit you.

See our home loans

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

Home loan repayments calculator

Find out how much you can borrow and calculate what your repayments might be based on your income and regular expenses.

How much can I borrow?

Get an estimate on stamp duty, lenders' mortage insurance and other non-standard home buying fees that come with purchasing a property.

Upfront costs 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.

Refinance calculator

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.

Loans for a property to live in vs. loans for an investment purpose

Loans for a property to live in - also known as owner-occupier loans – include (but aren’t limited to) loans to fund the purchase of a property or refinance an existing loan, where the borrower currently lives or intends to live in the property.

Loans for an investment purpose – also known as investor loans – include (but aren’t limited to) loans where the predominant part is used to invest in shares, land, construction or an established property. They also include refinancing an investor loan.

Other conditions apply.

Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. Maximum 40% offset is available with our Complete Fixed Home Loan.
At the end of the fixed rate period, you’ll roll on to our standard variable rate, minus the discount outlined in your loan contract. If you’re an owner occupier, the standard variable rate is the Mortgage Shredder Reference Rate. If you’re an investor, it’s the Investor Reference Rate.
Under the package, only one optional Bankwest Qantas Mastercard, Bankwest More Mastercard or Breeze Mastercard account is allowed per customer. Minimum credit limit is $3,000 for the Bankwest Qantas Platinum Mastercard, $1,000 for the Bankwest More Classic Mastercard and the Breeze Classic Mastercard, and $6,000 for the Bankwest More Platinum Mastercard and Breeze Platinum Mastercard.
If you decide to pay interest only, only monthly repayments are permitted.
Redraw is not available whilst an account is on a Fixed Rate. This feature will be available once the Fixed Rate term ends.
Other fees and charges, such as break fees on a fixed rate loan, may apply.
Digital signing – some exclusions apply. Due to state laws, restrictions apply to digitally signing the Mortgage Form in some States and Territories. Customers must have access to a device (computer or tablet recommended) with internet and email access.
Application tracker not available on lines of credit. Other exclusions may apply.
Before going into a fixed-rate loan, it's worth thinking about the implications should you decide to break the loan during the fixed period, as break fees may apply.
Different rates apply for interest only repayments. Contact your Home Lending Specialist or call us on 13 17 19 to find out more.
No transfer fee when transferring loans within the Complete Package, or when transferring from another Bankwest home loan on to the Complete Package.
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.

Package consists of an eligible home loan, one optional eligible credit card per customer and up to nine optional Offset Transaction Accounts per loan.

The Complete Home Loan Package is closed when all home loans included in the package are closed.

Mastercard and the circles design are registered trademarks, and tap & go is a trademark, of Mastercard International Incorporated.

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Complete Fixed Home Loan Package