A 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.
1.99%
p.a.
Four-year fixed rate
3.33%
p.a.
Comparison rate
For borrowings up to 80% of the property value and loan sizes of $200,000+. For principal and interest repayments.
2.49%
p.a.
Three-year fixed rate
3.98%
p.a.
Comparison rate
For borrowings up to 90% 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.
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You can choose to add...
Up to nine offset accounts per loan
Split your money into multiple offset accounts to help you manage your money while saving on home loan interest.
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.
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An eligible credit card
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.
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Lock in your rate for one to five years
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.
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Flexible repayments
Pay weekly, fortnightly or monthly. Plus, make extra repayments of up to $10,000 a year and redraw them when you need.
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If you decide to pay interest only, only monthly repayments are permitted.
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$1,000 minimum redraw applies to all methods of redraw, including over the counter.
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Whether you’re building, renovating, upsizing, downsizing or buying an investment property, the flexibility of our Complete Home Loan Package could help you get there.
Investor savings
Get a minimum 50% discount on a depreciation schedule prepared by Deppro Pty Ltd.
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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.
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Apply for additional lending or reduce your limit
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).
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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.
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Understand the difference between loan purposes (a property to live in vs. an investment)
| Rates - Borrowing up to 80% of the property value | ||
|---|---|---|
| Fixed term | Fixed rate | Comparison rate |
| 1 year fixed rate | 2.14% p.a. |
3.65% p.a. |
| 2 year fixed rate |
2.07% p.a. |
3.54% p.a. |
| 3 year fixed rate |
2.07% p.a. |
3.45% p.a. |
| 4 year fixed rate |
1.99% p.a. |
3.33% p.a. |
| 5 year fixed rate |
2.39% p.a. |
3.40% p.a. |
|
Rates are for principal and interest repayments
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Understand the comparison rate |
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| Rates - Borrowing 80.01% - 90% of the property value | ||
|---|---|---|
| Fixed term | Fixed rate | Comparison rate |
| 1 year fixed rate | 2.89% p.a. |
3.72% p.a. |
| 2 year fixed rate |
2.24% p.a. |
3.57% p.a. |
| 3 year fixed rate |
2.33% p.a. |
3.51% p.a. |
| 4 year fixed rate |
3.29% p.a. |
3.75% p.a. |
| 5 year fixed rate |
3.09% p.a. |
3.67% p.a. |
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Rates are for principal and interest repayments
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Understand the comparison rate |
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Rates - Borrowing up to 90% of the property value |
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|---|---|---|
| Fixed term | Fixed rate | Comparison rate |
| 1 year fixed rate |
3.19% p.a. |
4.28% p.a. |
| 2 year fixed rate |
3.19% p.a. |
4.22% p.a. |
| 3 year fixed rate |
2.49% p.a. |
3.98% p.a. |
| 4 year fixed rate |
3.59% p.a. |
4.24% p.a. |
| 5 year fixed rate |
3.29% p.a. |
4.09% p.a. |
|
Rates are for principal and interest repayments
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Understand the comparison rate |
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| Fees | |
|---|---|
| Fee | Amount |
| Annual Package fee ? This is charged to the nominated home loan. Close | $395 |
| Transfer fee 11 | $0 |
| Redraw fee (redraw not available online) 5 $1,000 minimum redraw applies to all methods of redraw, including over the counter. Close | $0 |
| Settlement attendance fee (Legal disbursement fee) ? Applies when we take a new security. Close |
$250 |
Note: When you buy a property, other fees may apply, including government and bank fees. Calculate yours.
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.
We also offer a variable rate package option.
See if our Complete Variable Home Loan Package will suit you.
Home loan repayments calculator
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 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.
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.
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.