The increase in cost of living and interest rates can feel stressful and isolating, even though so many Australians are in the same boat. Check out our range of tools, tips and guides to help you manage your home loan under pressure.
Log in
Support for home owners managing the cost of living
Refinance your home loan to Bankwest
Thinking about switching home loans?
We know that switching home loans can feel overwhelming, and we’re here to guide you through. If you want a lower interest rate, more flexibility in the structure of your home loan, to consolidate debt, or use the equity in your home to renovate or invest, refinancing might be for you.
Types of home loans
Which one is best?
Variable, fixed, interest only – familiarise yourself with the different home loan types and how they might work for your financial situation.
What happens at the end of my fixed rate period?
If you have a fixed home loan with us, it'll automatically revert to our standard variable rate at the end of the fixed rate period, minus the discount outlined in your home loan contract. However, you don't need to roll to the variable rate if you don't want to – chat to us in the app or online banking, or check out your options below:
- Roll to a variable rate
- Re-fix your home loan
- Split your loan.
Check out our other handy guides below
Is it time for a home loan health check?
What you need from your mortgage can change over time, which is why it’s important to review it. If you’re an existing customer, touch base with us in the app and we can help you with your review. Alternatively, chat to a Home Lending Specialist or your broker to make sure you’ve still got the right home loan and you’re making the most of it.
Other things to consider
Already with us? Message us online 24/7
If you have the Bankwest App or online banking already set up, you can message us – it's secure and we’re here to help.
In the Bankwest App
- Go to your 'Home' or 'More' screens
- Select 'Contact us'
- Select 'Message us' to start the conversation.
Enable notifications in the top right-hand corner of the message screen, so you can keep going about your day while we get back to you.
Don’t have the app?
Calculators and guides
Calculate your mortgage repayments and discover how much you could save if you make extra repayments.
Find out how much you could save on your home loan interest by using an offset account.
Gain control of your finances with this simple tool by planning your budget and organising your expenses.
Keen to review your finances? Here’s a few simple ideas to help you get started.
Find out how to create some breathing space to deal with life’s changes without digging into your savings or having to rely on a credit card.
From the casual saver to the disciplined goal-setter, find the savings account to match your saving habits.
Want to know more? You could chat to your broker about Bankwest.
We're here for you
We get that making changes to your home loan can be stressful when you’re feeling the pinch. Here’s how we can help.
Early Customer Engagement
Our Early Customer Engagement team will get in touch if you start to fall behind on your repayments. You can also call them at any time if you feel like you might fall behind in the near future.
We’re available:
6am – 6pm AWST Monday to Friday
8am – 2pm AWST Saturday.
Financial Assist Team
If you have been falling behind on your payments regularly, we’re here to help. Message us in the app or online banking and ask for a Financial Assist Specialist. We’ll help you put a plan in place.
We’re available 6am – 6pm AWST Monday to Friday, via chat or phone.
You can also nominate a representative to act on your behalf and fill out a Third Party Request (PDF).
Extra support links
When it comes to financial hardship there are lots of resources out there that can lend you a helping hand.
Bankwest Apple Pay Terms of Use apply. Apple, the Apple logo and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.
Terms of Use apply to the use of Google Pay. Android, Google Pay, Google Play and the Google Play logo are trademarks of Google LLC.
The information contained in this article 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 article 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 in this article.