A home loan package with all the good stuff

Home loans don’t have to be so rigid. Our flexible Complete Home Loan Package has up to nine offset accounts, a rewards credit card and other good stuff – including our great rates. 1  

Our low fixed rate is something to smile about

2.24%
p.a.

Two-year fixed rate

3.57%
p.a.

Comparison rate

Get home loan comfy with our Complete Fixed Home Loan Package. It offers the security of our low fixed rate, plus flexible features.

For owner occupied borrowings with principal and interest repayments. For borrowings up to 90% of the property value and loan sizes of $200,000+. Understand the comparison rate.

How our Complete Home Loan Package works

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

You get...

A home loan

Choose a Complete variable or fixed loan, or split between them. You can also switch between the two at any time later on with no transfer fee. 2 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’.

Plus, 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. 3

Features 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. 4 If you decide to pay interest only, only monthly repayments are permitted.
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Home loan redraw

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

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

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. 5

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.

Investor savings

Get a minimum 50% discount on a depreciation schedule prepared by Deppro Pty Ltd. 6 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 lets you renovate, upsize, downsize or invest in property. Lending criteria applies.

Package loan options 

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

Show me rates for

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 10 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 8
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Rates - Borrowing 90% - 95% of property value for a Complete Variable Home Loan 10 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 8
Understand the comparison rate
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Rates - Borrowing 95% - 98% of property value for a Complete Variable Home Loan 10 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 8
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Rates - Borrowing up to 90% of the property value for a Complete Fixed Home Loan
Fixed term Fixed rate Comparison rate
1 year 2.89% p.a. 3.72% p.a.
2 years 2.24% p.a.
3.57% p.a.
3 years 2.33% p.a.
3.51% p.a.
4 years 3.29% p.a.
3.75% p.a.
5 years 3.09% p.a.
3.67% p.a.
Rates are for principal and interest repayments 8
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+ 3.92% p.a. 4.35% p.a.
Rates are for principal and interest repayments 8
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Rates - Borrowing up to 90% property value for a Complete Fixed Home Loan
Fixed term Fixed rate Comparison rate
1 year 3.19% p.a.
4.28% p.a.
2 years 3.19% p.a.
4.22% p.a.
3 years 2.49% p.a.
3.98% p.a.
4 years 3.59% p.a.
4.24% p.a.
5 years 3.29% p.a.
4.09% p.a.

Rates are for principal and interest repayments 8
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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 (online redraw not available with fixed loans) 12 $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.

Get started

You must be 18 years or over and a permanent Australian resident.

Minimum loan size $200,000. Available to individuals and eligible family trusts. If you're ready to start your application online, we'll ask you for some financial details. It's a good idea to have two forms of ID handy, like your Australian driver's licence, Medicare card or Australian passport.