A home loan package with all the good stuff

A home loan that ticks all the boxes. With our Complete Home Loan Package, you can enjoy our great variable or fixed rates, plus the flexibility to add on other good stuff – like multiple offset accounts and an eligible credit card. 1

$2,000 cashback when you refinance to us

If you’re eligible and you apply to move your home loan to us by 25 February 2022, you could get less home load with $2,000 cashback. 12

Loan must be funded by 30 April 2022. Min. refinance amount $250k. For borrowings up to 90% (including lenders mortgage insurance) of the property value. Excludes refinances from Bankwest and CommBank. Eligibility requirements and T&Cs apply.

Package loan options

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

Show me rates for

A home loan that ticks all the boxes

For an annual package fee of $395, you can make the most of your package by choosing to add...

More good stuff to suit your needs

Flexible repayments

Pay weekly, fortnightly or monthly to suit your pay cycle. Plus, make extra repayments to help pay your loan off faster. 7 If you decide to pay interest only, only monthly repayments are permitted.

Home loan redraw

Access extra repayments when you need, or even use your surplus to take a break from making repayments. 8

Save on fees

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

Fees

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Type of fees
Amount
Annual Package fee ? This is charged to the nominated home loan. $395
Transfer fee 9 $0
Redraw fee (online redraw not available with fixed loans) 8 $0
Settlement attendance fee (Legal disbursement fee) ? Applies when we take a new security.  $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.


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.


Start and manage your application with ease

Track your application in real time

Track the milestones with our Home Loan Application Tracker. 10

Sign your loan documents online

Less waiting, less running around. 11

Our Mobile Lending Managers come to you

They’re even available evenings and weekends.

Get in touch to discuss your options

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. Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed Home Loan. Other exclusions apply. You should consider the Product Disclosure Statement (PDS) and whether the product is right for you. A PDS is available from your local Bankwest branch, from bankwest.com.au or by calling 13 17 19.

  2. 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.

  3. 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.

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

  5. 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.

  6. 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.

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

  8. With our fixed rate loans or for loans requiring two or more people to authorise changes or payments, you won't be able to redraw through the Bankwest App or online banking.

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

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

  11. 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.
  12. Home loan cashback promotion is available to Australian residents aged 18+ who refinance a property with a new Bankwest home loan.

    • Home loan application must be submitted for full approval within the promotional period 12 November 2020 and 25 February 2022
    • Home loan must be funded on or before 30 April 2022
    • Lending must be new to Bankwest (refinances of existing Bankwest and CommBank loans are excluded from this offer)
    • Lending must not exceed a loan to value ratio (LVR) of 80% for applications received from 12 November 2020 to 14 September 2021​
    • Lending must not exceed a LVR of 90% (including lenders mortgage insurance) for applications received from 15 September 2021 to 25 February 2022
    • Repayment type can be principal and interest or interest only
    • Available on owner occupier and investor home loans
    • Minimum home-loan-specific refinance amount ≥$250k (excludes debt consolidation of personal loans and credit cards)
    • Any available Bankwest home loan product is eligible
    • Normal lending policies apply
    • This offer is not available in conjunction with any other promotions
    • Only one cashback per Eligible Customer. Only one cashback per eligible home loan. Where a home loan has more than one applicant and one applicant receives the cashback, all applicants are deemed to have received the cashback. Maximum cashback amount of $2,000
    • Eligible customers will receive $2,000 cashback transferred electronically into their new home loan account.

    See full T&Cs (PDF)


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.

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

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.

Terms of Use apply to the Bankwest App.

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