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...
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
They’re something to smile about.
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.
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.
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
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.
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)
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 |
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 |
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 |
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 |
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 |
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:
Related documents:
We also offer a variable rate package option.
See if our Complete Variable Home Loan Package will suit you.
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.
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.
Work out what your mortgage repayments could be and discover how much you could save if you made extra repayments.
Find out how much you can borrow and calculate what your repayments might be based on your income and regular expenses.
Get an estimate on stamp duty, lenders' mortage insurance and other non-standard home buying fees that come with purchasing a property.
Compare the repayments on Bankwest home loans and find out if refinancing your loan may save you money on interest in the long term.