Complete Fixed Home Loan Package

Enjoy the certainty of a fixed rate, plus the flexibility to add other features that suit your needs — like multiple offset accounts and an eligible credit card. 1 Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.

Our fixed rates

Get some certainty over your home loan repayments by locking in a fixed rate.

Make sure you understand the comparison rate and loan purpose.

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...

Up to nine offset accounts

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 Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.

An eligible credit card

To enjoy our low ongoing purchase rate, add a Breeze Mastercard® (Classic or Platinum). To earn points on your eligible purchases, add a Bankwest More Mastercard (Classic, Platinum or World) or Bankwest Qantas Mastercard (Platinum or World).

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?

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. 2

Flexible repayments

Pay weekly, fortnightly or monthly. Plus, make extra repayments of up to $10,000 a year. ? If you decide to pay interest only, only monthly repayments are permitted.
4 Redraw is not available while an account is on a Fixed Rate. This feature will be available once the Fixed Rate term ends. Eligible customers who receive a cashback payment into their Fixed Rate home loan account can access those funds upon request.

Save on fees

$0 home loan application fee and property valuation fees. Other fees and charges may apply. 5 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. 6 7

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.

Investor savings

For investment properties, receive a saving on the cost of 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.

Apply for additional lending or reduce your limit

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

Fixed interest rates and fees

Rates are based on your loan to value ratio (LVR) and lenders mortgage insurance (LMI) may apply.

Rates shown are for principal and interest repayments with loan sizes from $200,000.

Loan purpose
Up to 80% LVR
Fixed term Fixed rate Comparison rate
1 year 6.89% p.a. 7.36% p.a.
2 year 6.79% p.a.
7.33% p.a.
3 year 6.59% p.a.
7.25% p.a.
4 year 6.69% p.a.
7.25% p.a.
5 year 6.79% p.a.
7.28% p.a.
Understand the comparison rate
Up to 80% LVR
Fixed term
Fixed rate
Comparison rate
1 year
6.89% p.a.
7.36% p.a.
2 year
6.79% p.a.
7.33% p.a.
3 year
6.59% p.a.
7.25% p.a.
4 year
6.69% p.a.
7.25% p.a.
5 year
6.79% p.a.
7.28% p.a.
80.01% to 90% LVR with LMI
Fixed term Fixed rate Comparison rate
1 year 7.09% p.a. 7.38% p.a.
2 year 6.99% p.a.
7.37% p.a.
3 year 6.79% p.a.
7.31% p.a.
4 year 6.89% p.a.
7.33% p.a.
5 year 6.99% p.a.
7.37% p.a.
Understand the comparison rate
80.01% to 90% LVR with LMI
Fixed term
Fixed rate
Comparison rate
1 year
7.09% p.a.
7.38% p.a.
2 year
6.99% p.a.
7.37% p.a.
3 year
6.79% p.a.
7.31% p.a.
4 year
6.89% p.a.
7.33% p.a.
5 year
6.99% p.a.
7.37% p.a.
90.01% to 95% LVR with LMI
Fixed term Fixed rate Comparison rate
1 year 7.29% p.a. 7.53% p.a.
2 year 7.19% p.a.
7.52% p.a.
3 year 6.99% p.a.
7.47% p.a.
4 year 7.09% p.a.
7.50% p.a.
5 year 7.19% p.a.
7.54% p.a.
Understand the comparison rate
90.01% to 95% LVR with LMI
Fixed term
Fixed rate
Comparison rate
1 year
7.29% p.a.
7.53% p.a.
2 year
7.19% p.a.
7.52% p.a.
3 year
6.99% p.a.
7.47% p.a.
4 year
7.09% p.a.
7.50% p.a.
5 year
7.19% p.a.
7.54% p.a.
95.01% to 98% LVR with LMI
Fixed term Fixed rate Comparison rate
1 year fixed rate 7.79% p.a. 9.01% p.a.
2 year fixed rate 7.69% p.a.
8.89% p.a.
3 year fixed rate 7.49% p.a.
8.73% p.a.
4 year fixed rate 7.59% p.a.
8.66% p.a.
5 year fixed rate 7.69% p.a.
8.62% p.a.
Understand the comparison rate
95.01% to 98% LVR with LMI
Fixed term
Fixed rate
Comparison rate
1 year fixed rate
7.79% p.a.
9.01% p.a.
2 year fixed rate
7.69% p.a.
8.89% p.a.
3 year fixed rate
7.49% p.a.
8.73% p.a.
4 year fixed rate
7.59% p.a.
8.66% p.a.
5 year fixed rate
7.69% p.a.
8.62% p.a.
Up to 90% LVR with LMI
Fixed term Fixed rate Comparison rate
1 year 7.09% p.a.
8.17% p.a.
2 year 6.99% p.a.
8.07% p.a.
3 year 6.79% p.a.
7.93% p.a.
4 year 6.89% p.a.
7.87% p.a.
5 year 6.99% p.a.
7.85% p.a.
Understand the comparison rate
Up to 90% LVR with LMI
Fixed term
Fixed rate
Comparison rate
1 year
7.09% p.a.
8.17% p.a.
2 year
6.99% p.a.
8.07% p.a.
3 year
6.79% p.a.
7.93% p.a.
4 year
6.89% p.a.
7.87% p.a.
5 year
6.99% p.a.
7.85% p.a.
90.01% to 95% LVR with LMI
Fixed term Fixed rate Comparison rate
1 year 7.29% p.a.
8.19% p.a.
2 year 7.19% p.a. 8.11% p.a.
3 year 6.99% p.a. 7.98% p.a.
4 year 7.09% p.a. 7.95% p.a.
5 year 7.19% p.a. 7.94% p.a.
Understand the comparison rate
90.01% to 95% LVR with LMI
Fixed term
Fixed rate
Comparison rate
1 year
7.29% p.a.
8.19% p.a.
2 year
7.19% p.a.
8.11% p.a.
3 year
6.99% p.a.
7.98% p.a.
4 year
7.09% p.a.
7.95% p.a.
5 year
7.19% p.a.
7.94% p.a.
Fee Amount
Annual Package fee ? This is charged to the nominated home loan. $395
Settlement attendance fee (Legal disbursement fee) ? Applies when we take a new security.  $250
Fee
Amount
Annual Package fee ? This is charged to the nominated home loan.
$395
Settlement attendance fee (Legal disbursement fee) ? Applies when we take a new security. 
$250

Other fees may apply, including government and bank fees. A full list of fees will be sent out in your home loan contract.

Rates and fees subject to change. Break fees apply within the fixed period. Download the Key Facts Sheet.

Home Lender of the Year

Reason to celebrate

Awarded by you in Money magazine's Consumer Finance Awards 2023.

Get started on your home loan

We just need a few details to get started. Once you’ve submitted them, one of our Home Lending Specialists will give you a call.

Get conditional pre-approval

Be prepared by knowing how much you may be able to borrow. Conditional pre-approval is valid for 90 days and gives you that boost of confidence while you're on the property hunt.

Start your home loan application

Found your dream home and ready to apply? Or, perhaps you’re switching to Bankwest? Provide us with some details to get started.

Frequently asked questions

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.

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.

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.

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

Splitting a fixed loan would be considered a break in the fixed term, so break fees may apply. If you have a variable loan, it's easy to split your loan between variable and fixed.

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.

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.

Still exploring your options?

Use these calculators to guide you in your home ownership journey. Or browse our range of home loans.

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.

Loan 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.

Loan to Value Ratio (LVR) is the portion of money you are borrowing in relation to the value of the property.

Lenders’ Mortgage Insurance (LMI) is insurance to protect your lender if you have trouble with your repayments in the future. LMI can be an added expense when you’re buying your home, but you can avoid it if you save more than 20% of the value of your property to pay as a deposit.

Other conditions apply.

  1. Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
  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. For owner occupiers the rate is the Standard Variable Reference Rate or the Standard Variable Interest Only Reference Rate. For investment purposes the standard variable rate is the Investor Variable Reference Rate or the Investor Variable Interest Only Reference Rate.
  3. 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, and $12,000 for the Bankwest More World Mastercard and Bankwest Qantas World Mastercard.
  4. Redraw is not available while an account is on a Fixed Rate. This feature will be available once the Fixed Rate term ends. Eligible customers who receive a cashback payment into their Fixed Rate home loan account can access those funds upon request.
  5. Other fees and charges, such as break fees on a fixed rate loan, may apply.
  6. 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.
  7. Application tracker not available on lines of credit. Other exclusions may apply.
  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.

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.

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