Compare home loans

Complete Variable Home Loan Package

Combine a Complete variable rate home loan, eligible rewards credit card and offset account into one flexible package. 7 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. Close

Complete Variable Home Loan Package

Combine a Complete variable rate home loan, eligible rewards credit card and offset account into one flexible package. 7 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. Close

Complete Fixed Home Loan Package

For those who want the security of our Complete fixed home loan rate, plus an eligible rewards credit card and offset account. 7 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. Close

Complete Fixed Home Loan Package

For those who want the security of our Complete fixed home loan rate, plus an eligible rewards credit card and offset account. 7 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. Close

Variable Rate Home Loan

Enjoy a discount off our standard variable rate with the Premium Select home loan. 2

Variable Rate Home Loan

Enjoy a discount off our standard variable rate with the Premium Select home loan. 2

Fixed Rate Home Loan

For those who want the certainty of regular repayments - lock in your interest rate for one to five years.

Fixed Rate Home Loan

For those who want the certainty of regular repayments - lock in your interest rate for one to five years.

Equaliser Home Loan

A home loan rate lower than the average standard variable rates of ANZ, NAB and Westpac for the first three years. Min. rate 2.50% p.a. Conditions apply. 1

Equaliser Home Loan

A home loan rate lower than the average standard variable rates of ANZ, NAB and Westpac for the first three years. Min. rate 2.50% p.a. Conditions apply. 1

Product Name
Complete Variable Home Loan Package
Complete Variable Home Loan Package
Complete Fixed Home Loan Package
Complete Fixed Home Loan Package
Variable Rate Home Loan
Variable Rate Home Loan
Fixed Rate Home Loan
Fixed Rate Home Loan
Equaliser Home Loan
Equaliser Home Loan

Check your eligibility

  • You must be 18 years or over
  • You must be a permanent Australian resident
  • Available to individuals and eligible family trusts
  • You must meet Bankwest's lending criteria.

To get started online, have your financial details (income, expenses, assets, liabilities), and two forms of ID handy.

  • You must be 18 years or over
  • You must be a permanent Australian resident
  • Available to individuals and eligible family trusts
  • You must meet Bankwest's lending criteria.

To get started online, have your financial details (income, expenses, assets, liabilities), and two forms of ID handy.

  • You must be 18 years or over
  • You must be a permanent Australian resident
  • Available to individuals and eligible family trusts
  • You must meet Bankwest's lending criteria.

To get started online, have your financial details (income, expenses, assets, liabilities), and two forms of ID handy.

  • You must be 18 years or over
  • You must be a permanent Australian resident
  • Available to individuals and eligible family trusts
  • You must meet Bankwest's lending criteria.

To get started online, have your financial details (income, expenses, assets, liabilities), and two forms of ID handy.

  • You must be 18 years or over
  • You must be a permanent Australian resident
  • Available to individuals and eligible family trusts
  • You must meet Bankwest's lending criteria.

To get started online, have your financial details (income, expenses, assets, liabilities), and two forms of ID handy.

  • You must be 18 years or over
  • You must be a permanent Australian resident
  • Available to individuals and eligible family trusts
  • You must meet Bankwest's lending criteria.

To get started online, have your financial details (income, expenses, assets, liabilities), and two forms of ID handy.

  • You must be 18 years or over
  • You must be a permanent Australian resident
  • Available to individuals, eligible family trusts and non-trading companies
  • You must meet Bankwest's lending criteria.

To get started online, have your financial details (income, expenses, assets, liabilities), and two forms of ID handy.

  • You must be 18 years or over
  • You must be a permanent Australian resident
  • Available to individuals, eligible family trusts and non-trading companies
  • You must meet Bankwest's lending criteria.

To get started online, have your financial details (income, expenses, assets, liabilities), and two forms of ID handy.

  • You must be 18 years or over
  • You must be a permanent Australian resident
  • Available to individuals only
  • You must meet Bankwest's lending criteria.

To get started online, have your financial details (income, expenses, assets, liabilities), and two forms of ID handy.

  • You must be 18 years or over
  • You must be a permanent Australian resident
  • Available to individuals only
  • You must meet Bankwest's lending criteria.

To get started online, have your financial details (income, expenses, assets, liabilities), and two forms of ID handy.

Loan purpose ?

Property to live in
Investment purpose
Property to live in
Investment purpose
Property to live in
Investment purpose
Property to live in
Investment purpose
Property to live in
Investment purpose

Rates and fees

Interest rates
3.89% p.a. 8
Borrowings up to 90% of the property value for principal and interest repayments. Various tiers apply.

4.32% p.a.
Comparison rate
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4.49% p.a. 8
Borrowings up to 90% of the property value for principal and interest repayments.

4.90% p.a.
Comparison rate
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3.19% p.a. 8
Based on a two-year fixed term. Borrowings up to 90% of the property value for principal and interest repayments.

4.19% p.a.
Comparison rate
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3.68% p.a. 8
Based on a three-year fixed term. Borrowings up to 90% of the property value for principal and interest repayments.

4.69% p.a.
Comparison rate
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3.99% p.a. 8
Borrowings up to 90% of the property value for principal and interest repayments.

4.01% p.a.
Comparison rate
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4.59% p.a. 8
Borrowings up to 90% of the property value for principal and interest repayments.

4.61% p.a.
Comparison rate
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4.03% p.a. 8
Based on a two-year fixed term. Borrowings up to 90% of the property value for principal and interest repayments.

5.14% p.a.
Comparison rate
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4.13% p.a. 8
Based on a two-year fixed term. Borrowings up to 90% of the property value for principal and interest repayments.

5.68% p.a.
Comparison rate
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3.43% p.a.
Three-year introductory variable rate. Borrowings up to 80% of the property value for principal and interest repayments. 1

4.04% p.a.
Comparison rate
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4.59% p.a.
Three-year introductory variable rate. Borrowings up to 80% of the property value for principal and interest repayments. 1

4.89% p.a.
Comparison rate
Understand the comparison rate
Available loan sizes
$200,000+
$200,000+
$200,000+
$200,000+
$20,000+
$20,000+
$20,000+
$20,000+
$200,000+
$200,000+
Ongoing fees
$395 annual package fee
$395 annual package fee
$395 annual package fee
$395 annual package fee
$12 monthly maintenance fee during the fixed term
$12 monthly maintenance fee during the fixed term
Application fees
$0 (usually $695)
$0 (usually $695)
$295 (usually $400)
$295 (usually $400)
$0 (usually $695)
$0 (usually $695)
Transfer fees ?
No transfer fee when transferring loans within the Complete Package, or when transferring from another Bankwest home loan on to the Complete Package.
No transfer fee when transferring loans within the Complete Package, or when transferring from another Bankwest home loan on to the Complete Package.
No transfer fee when transferring loans within the Complete Package, or when transferring from another Bankwest home loan on to the Complete Package.
No transfer fee when transferring loans within the Complete Package, or when transferring from another Bankwest home loan on to the Complete Package.
$135
$135
$135
$135
$135
$135
Included valuations
Eligible package holders receive unlimited valuations.
Eligible package holders receive unlimited valuations.
Eligible package holders receive unlimited valuations.
Eligible package holders receive unlimited valuations.
One standard valuation included 6 Any amount in excess of the standard fees is to be met by the customer.
Close
One standard valuation included 6 Any amount in excess of the standard fees is to be met by the customer.
Close

One standard valuation included 6 Any amount in excess of the standard fees is to be met by the customer.
Close

One standard valuation included 6 Any amount in excess of the standard fees is to be met by the customer.
Close

One standard valuation included 6 Any amount in excess of the standard fees is to be met by the customer.
Close

One standard valuation included 6 Any amount in excess of the standard fees is to be met by the customer.
Close

Features

Offset facility with Bankwest Offset Account 7 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. Close
100% offset facility with no monthly offset fees
100% offset facility with no monthly offset fees
40% offset facility with no monthly offset fees
40% offset facility with no monthly offset fees
100% offset facility with a $10 monthly fee
100% offset facility with a $10 monthly fee
40% offset facility with no monthly offset fee during the fixed term 3 At the end of the fixed term an offset fee of $10 per month will apply if an offset account is held. Close
40% offset facility with no monthly offset fee during the fixed term 3 At the end of the fixed term an offset fee of $10 per month will apply if an offset account is held. Close
Options to pay interest only
Yes, up to 5 years
Yes, up to 5 years
Yes, up to 5 years
Yes, up to 5 years
Yes, up to 5 years
Yes, up to 5 years
Yes, up to 5 years
Yes, up to 5 years
Ability to make additional repayments
Max of $10,000 p.a. above the min repayment amount. 4 Higher repayments may attract a fee. Close
Max of $10,000 p.a. above the min repayment amount. 4 Higher repayments may attract a fee. Close
Max of $10,000 p.a. above the min repayment amount. 4 Higher repayments may attract a fee. Close
Max of $10,000 p.a. above the min repayment amount. 4 Higher repayments may attract a fee. Close
Repayment frequencies
Weekly, fortnightly or monthly
Weekly, fortnightly or monthly
Weekly, fortnightly or monthly
Weekly, fortnightly or monthly
Weekly, fortnightly or monthly
Weekly, fortnightly or monthly
Weekly, fortnightly or monthly
Weekly, fortnightly or monthly
Weekly, fortnightly or monthly
Weekly, fortnightly or monthly
Online redraw 5 A $10 fee and $1,000 minimum redraw applies to other methods of redraw, including over the counter. Close
Free
Free
Free
Free
Free
Free
Loan terms
Up to 30 years
Up to 30 years
Up to 30 years with a fixed term of one to five years.
Up to 30 years with a fixed term of one to five years.
Up to 30 years
Up to 30 years
Up to 30 years with a fixed term of one to five years.
Up to 30 years with a fixed term of one to five years.
Up to 30 years
Up to 30 years
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 Sheets for these products.

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 and Equaliser Home Loan. 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.

Need help choosing a loan?

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

Things you should know

1. Bankwest Equaliser Home Loan Annual Percentage Rate is a variable 3 year introductory rate which is the higher of:

  • 2.50% p.a.; or
  • The average of NAB Standard Variable Rate for home loans, Westpac P&I Variable Home Loan (owner occupier) rate, and ANZ Standard Variable Rate for home loans calculated twice per month, less a discount of 1.51% p.a.

Available to individuals and for new owner occupier loans over $200,000 for up to 80% of the property value with principal and interest repayments only. After the introductory period the rate reverts to the Bankwest Standard Variable Rate for owner occupiers (Mortgage Shredder Reference Rate) less a discount of 1.10% p.a. Different discounts and revert rates apply for loans with investment purposes. Information, including rates and discounts, is subject to change.

2. 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.

3. At the end of the fixed term an offset fee of $10 per month will apply if an offset account is held.

4. Higher repayments may attract a fee.

5. A $10 fee and $1,000 minimum redraw applies to other methods of redraw, including over the counter.

6. Any amount in excess of the standard fee is to be met by the customer.

7. Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply.

8. Different rates apply for interest only repayments, contact your Home Finance Manager or call us on 13 17 19 to find out more.

The Complete Home Loan Package is closed when all home loans included in the package are closed.