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Complete Variable Home Loan Package

Home loans don't have to be so rigid. Enjoy our great variable rates, plus the flexibility to add other good stuff – like multiple offset accounts and an eligible credit card. 1 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. Close

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A taster of our great rates

They’re something to smile about.

For principal and interest repayments, borrowings up to 90% of the property value, and loan sizes of $200,000+.

Property to live in

3.32%
p.a.

Variable rate

3.76%
p.a.

Comparison rate

Investment purpose

3.92%
p.a.

Variable rate

4.35%
p.a.

Comparison rate

Enquire now

How it works

For an annual package fee of $395, you get a Complete Variable Home Loan, plus the flexibility to add on features to help you manage your mortgage and money your way.

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 at the same time. 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. Other exclusions apply. Close

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. 2

Features to suit your needs

Ability to split or switch your loan

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

Flexible repayments

Pay weekly, fortnightly or monthly to suit your pay cycle. Plus, make unlimited extra repayments to help pay your loan off faster. 4 If you decide to pay interest only, only monthly repayments are permitted.
 Close

Home loan redraw

Access your extra repayments online for free when you need, or even use your surplus to take a break from making repayments. 5 $1,000 minimum redraw applies to other methods of redraw, including over the counter. Close

Save on fees

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

See it in action

See how multiple offset accounts and an eligible credit card could potentially help you save on home loan interest, pay off your loan sooner, and manage your finances. Check out our five tips to help you make the Complete Home Loan Package work for you.

5 tips to help you manage your Bankwest Home Loan Package

Read the video transcript (PDF)

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 building, renovating, upsizing, downsizing or buying an investment property, the flexibility of our Complete Home Loan Package could help you get there.

Great for construction

No progress payment fees apply for construction loans. Find out more about construction loans.

Investor savings

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.
 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

Get a discount off Bankwest’s standard variable rate. 8

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

Show me detailed rates and fees for

Swipe
Rates - Borrowing up to 90% of property value for a Complete Variable Home Loan 9 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+ 3.32% p.a. 3.76% p.a.
Rates are for principal and interest repayments 10
Understand the comparison rate
Swipe
Swipe
Rates - Borrowing 90% - 95% of property value for a Complete Variable Home Loan 9 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+ 3.86% p.a. 4.29% p.a.
Rates are for principal and interest repayments 10
Understand the comparison rate
Swipe
Swipe
Rates - Borrowing 95% - 98% of property value for a Complete Variable Home Loan 9 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+ 4.62% p.a. 5.03% p.a.
Rates are for principal and interest repayments 10
Understand the comparison rate
Swipe
Swipe
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+ 3.92% p.a. 4.35% p.a.
Rates are for principal and interest repayments 10
Understand the comparison rate
Swipe
Swipe
Fees
Fee Amount
Annual Package fee ? This is charged to the nominated home loan. Close $395
Transfer fee 11 $0
Redraw fee 5 $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
Swipe

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.

Looking to fix your loan?

We also offer a fixed rate package option.
See if our Complete Fixed 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.

  2. 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.

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

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

  5. $1,000 minimum redraw applies to other methods of redraw, including over the counter.

  6. 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.

  7. Application tracker not available on lines of credit. Other exclusions may apply.

  8. For owner occupiers the standard variable rate is the variable Mortgage Shredder Reference Rate or the variable Mortgage Shredder Interest Only Reference Rate. For investment purposes the standard variable rate is the Investor Reference Rate or the Investor Interest Only Reference Rate. See our home loan reference rates.

  9. Where inclusion of Lender's Mortgage Insurance results in increased LVR, different rates 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.

  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.


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.

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

Bankwest Easy Alerts are available for your mobile personal transaction and savings accounts. Limited alerts only are available for credit card transactions. Bankwest Easy Alerts will be sent to any compatible iOS and Android device on which you have the Bankwest App and enabled notifications. Whilst some alerts may be sent to your device once you have enabled notifications, in order to receive the full range of Easy Alerts available you will also need to activate the Bankwest Easy Alerts service within the Bankwest App. Terms of Use apply. Bankwest Easy Alerts is currently supported on iOS 11 and Android 5.0 devices and above. Bankwest Easy Alerts is not available on tablets and Windows devices.

Terms of Use apply to the Bankwest App.

The information contained on this web page is of a general nature and is not intended to be nor should it be considered as professional advice. You should not act on the basis of anything contained in this web page without first obtaining specific professional advice. Also to the extent permitted by law, Bankwest, a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL / Australian credit licence 234945, its related bodies corporate, employees and contractors accept no liability or responsibility to any persons for any loss which may be incurred or suffered as a result of acting on or refraining from acting as a result of anything contained on this web page.