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Complete Fixed Home Loan Package

A loan that comes with the security of our great fixed rate, plus a rewards credit card, offset accounts and other good stuff to suit your needs. 1

Enquire now Apply today

A taster of our low rates

They’re something to smile about.

Property to live in

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.

Investment purpose

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.

Enquire now

How it works

For an annual package fee of $395, you get features to help you manage your mortgage and money your way.

You get…

A Complete Fixed Home Loan

You could choose to split between fixed and variable. You can also switch between the two at any time later on with no transfer fee. 2 3 Other fees and charges, such as break fees on a fixed rate loan, may apply. Close

Up to nine offset accounts per loan

Split your money into different offset accounts to help you manage your money while saving on home loan interest at the same time. It’s a win-win we call ‘bucketing’.

40% offset applies, and you’ll pay no monthly offset fees. 1

A rewards credit card

Choose a Bankwest Qantas Mastercard® in the Platinum tier or a Bankwest More Mastercard in the Classic or Platinum tier - and pay no annual credit card fee. Other fees and charges may apply. 4

Features to suit your needs

Flexible repayments

Pay weekly, fortnightly or monthly. Plus, make extra repayments of up to $10,000 a year and redraw them when you need. 5 If you decide to pay interest only, only monthly repayments are permitted.
 Close 6 $1,000 minimum redraw applies to all methods of redraw, including over the counter. Close

Open an offset account in 30 seconds

You can quickly open single offset accounts in the Bankwest App.

Save on fees

$0 home loan application fee and property valuation fees.

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. 7

Want to get closer to your goals?

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. 8 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.
 Close

Apply for additional lending or reduce your limit

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

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. Close

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

Show me detailed rates and fees for

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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 10
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.
Rates are for principal and interest repayments 10
Understand the comparison rate
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Rates - Borrowing up to 90% of the property value
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 10
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) 6 $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
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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.

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

Still exploring your options?

Browse our home loans

…and find one to suit you.

See our home loans

Home loan repayments calculator

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

My loan 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.

How much could I borrow?

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.

What are my upfront costs?

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.

How my home loan compares

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
  • 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.

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

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.

  1. 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.

  2. 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.

  3. Other fees and charges, such as break fees on a fixed rate loan, may apply.

  4. Under the package, only one Bankwest Qantas Mastercard or Bankwest More 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 $6,000 for the Bankwest More Platinum Mastercard. Package does not include a Bankwest Qantas World Mastercard or Bankwest More World Mastercard.

  5. If you decide to pay interest only, only monthly repayments are permitted.

  6. $1,000 minimum redraw applies to all methods of redraw, including over the counter.

  7. Digital signing excludes home loan transfers. Other 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.

  8. 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.

  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.

  10. Different rates apply for interest only repayments. Contact your Home Lending Specialist or call us on 13 17 19 to find out more.

  11. No transfer fee when transferring loans within the Complete Package, or when transferring from another Bankwest home loan on to the Complete Package.


Package must include an eligible home loan, rewards credit card and Offset Transaction Account.

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

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