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Complete Variable Home Loan Package

Combine a Complete Variable Home Loan, rewards credit card and offset accounts into one flexible package. 1 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. Close

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How it works

For an annual package fee of $395, you get…

Home loan

Choose a Complete Variable Rate Home Loan, or take the option to split or switch between variable and fixed.

Credit card

Choose an eligible rewards credit card - 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. 2

Offset account

Up to nine offset accounts can be set up, to help manage your money and save on home loan interest. 1 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. Close

Use the features to your advantage

Track your application

See your application status in real time with our Home Loan Application Tracker.

Flexible repayments

Pay weekly, fortnightly or monthly to suit your pay cycle. You can also make extra repayments to help pay your loan off faster. 3 If you decide to pay interest only, only monthly repayments are permitted.
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Surplus safety net

Access extra repayments when you need, or even use your surplus to take a break from making repayments.

Save on fees

$0 application fee and property valuation fees. Plus, split or switch between variable and fixed any time with no transfer fee. 4 Other fees and charges, such as break fees on a fixed rate loan, may apply. Close

Check out these additional perks 

Whether you're building, renovating, upsizing, downsizing or buying an investment property, the flexibility of our Complete Home Loan Package could help you get closer to your property goals.

Great for construction

No progress payment fees apply for construction loans.

Investor savings

Get a minimum 50% discount on a depreciation schedule prepared by Deppro Pty Ltd. 5 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 allows you to renovate, upsize, downsize, or even invest in property. Lending criteria applies.

More about this package

What's the difference between a property to live in and an investment purpose ?

Show me rates for

Complete Variable Home Loan Package

Receive a flexible variable loan with a discount off Bankwest's standard variable rate. 6

  • No loan maintenance fees
  • 100% offset facility with no monthly offset fees 1 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. Close

3.57%
p.a.

Variable rate

4.00%
p.a.

Comparison rate

For borrowings up to 90% of the property value and loan size of $200,000+. Various tiers apply.

For principal and interest repayments 7
Understand the comparison rate

We also offer a fixed rate package option.

Complete Variable Home Loan Package

Receive a flexible variable rate loan with a discount off Bankwest's standard variable rate. 6

  • No loan maintenance fees
  • 100% offset facility with no monthly offset fees 1 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. Close

4.17%
p.a.

Variable rate

4.59%
p.a.

Comparison rate

For borrowings up to 90% of the property value and loan size of $200,000+.

For principal and interest repayments 7
Understand the comparison rate

We also offer a fixed rate package option.
See our Complete Fixed Home Loan Package

Rates and fees

Show me detailed rates and fees for

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Rates - Borrowing up to 90% of property value for a Complete Variable Home Loan 8 Where inclusion of Lender's Mortgage Insurance results in increased LVR, different rates may apply. Close 
Amount you want to borrow Variable rate Comparison rate
$200,000+ 3.57% p.a. 4.00% p.a.
Rates are for principal and interest repayments 7
Understand the comparison rate
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Rates - Borrowing 90% - 95% of property value for a Complete Variable Home Loan 8 Where inclusion of Lender's Mortgage Insurance results in increased LVR, different rates may apply. Close 
Amount you want to borrow Variable rate Comparison rate
$200,000+ 4.11% p.a. 4.53% p.a.
Rates are for principal and interest repayments 7
Understand the comparison rate
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Rates - Borrowing 95% - 98% of property value for a Complete Variable Home Loan 8 Where inclusion of Lender's Mortgage Insurance results in increased LVR, different rates may apply. Close 
Amount you want to borrow Variable rate Comparison rate
$200,000+ 4.87% p.a. 5.28% p.a.
Rates are for principal and interest repayments 7
Understand the comparison rate
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Rates - Borrowing up to 90% of property value for a Complete Variable Home Loan
Amount you want to borrow Variable rate Comparison rate
$200,000+ 4.17% p.a. 4.59% p.a.
Rates are for principal and interest repayments 7
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 9 $0
Redraw fee 10 $1,000 minimum redraw applies to other 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.

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.

Still exploring your options?

Browse our home loans

…and find one to suit you.

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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

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Which home loan type is right for you?

Knowing more about this feature can help you make the most of it.

We can arrange home insurance packages through our partner CommInsure that are tailored to your needs.

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.
1

Things you need to get started online

  • 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 choosing a loan?

Get in touch with one of our Home Finance Managers, and they'll respond within one business day.

Make an appointment
Find a Home Finance Manager
Call us on 1300 402 694