Compare home loans

Show me home loans for and compare ? 8 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. Close 6 A $10 fee and $1,000 minimum redraw applies to other methods of redraw, including over the counter. Close

Home loan products Complete Home Loan Package
The option of a fixed, variable or equity loan, paired with an eligible rewards credit card and Offset Transaction Account. 1 Offset Transaction Account not available with the Complete Equity Loan. Close
Complete Home Loan Package
The option of a fixed, variable or equity loan, paired with an eligible rewards credit card and Offset Transaction Account. 1 Offset Transaction account not available with our Complete Equity home loan and 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. Close
Equaliser Home Loan
Discount off the average standard variable rates of ANZ, NAB and Westpac for three years. Conditions apply. 2
Variable Rate Home Loan
The Premium Select home loan gives you a discount off our standard variable rate. 3
Variable Rate Home Loan
The Premium Select home loan gives you a discount off our standard variable rate. 3
Fixed Rate Home Loan
Lock in a competitive fixed rate for up to five years, and enjoy consistent repayments.
Fixed Rate Home Loan
Lock in a competitive fixed rate for up to five years, and enjoy consistent repayments.
Seniors Equity Release
Supplement your retirement income, without worrying about monthly repayments.
Home loan type Complete Variable Complete Fixed Complete Equity Complete Variable Complete Fixed Complete Equity Variable Variable Variable Fixed Fixed Reverse Mortgage
Select two or more to compare
Rates and fees
Interest rates 3.99% p.a. 9
New borrowings up to 90% of the property value for principal and interest repayments.

4.41% p.a.
Comparison rate
Comparison rate warning

3.88% p.a. 9
Based on a two-year fixed term.

4.40% p.a. Comparison rate
Comparison rate warning

4.84% p.a.
New borrowings only

No comparison rate

4.59% p.a.  9
New borrowings up to 90% of the property value for principal and interest repayments.

5.00% p.a.
Comparison rate warning

3.98% p.a. 9
Based on a two-year fixed term.

4.89% p.a. Comparison rate
Comparison rate warning

4.84% p.a.New borrowings only

No comparison rate

3.72% p.a.
Three-year introductory variable rate. 2

4.19% p.a. Comparison rate
Comparison rate warning

4.09% p.a. 9
New borrowings up to 80% of the property value for principal and interest repayments. Various tiers apply.

4.11% p.a. Comparison rate
Comparison rate warning

4.69% p.a. 9
New borrowings up to 90% of the property value for principal and interest repayments.

4.71% p.a.
Comparison rate warning

4.38% p.a. 9
Based on a three-year fixed term.

5.21% p.a.
Comparison rate
Comparison rate warning

4.58% p.a. 9
Based on a two-year fixed term.

5.84% p.a.
Comparison rate warning

6.27% p.a.

6.30% p.a.
Comparison rate
Comparison rate warning
Available loan sizes $200,000+ $200,000+ $200,000+
$200,000+ $200,000+ $200,000+ $200,000+ $20,000+ $20,000+ $20,000+ $20,000+ $20,000 - $250,000
Ongoing fees $395 annual package fee $395 annual package fee $395 annual package fee $395 annual package fee $395 annual package fee $395 annual package fee None None None $12 monthly maintenance fee during the fixed term $12 monthly maintenance fee during the fixed term None
Application fees There is no application fee for the Complete Home Loan Package. There is no application fee for the Complete Home Loan Package.
There is no application fee for the Complete Home Loan Package.
There is no application fee for the Complete Home Loan Package.
There is no application fee for the Complete Home Loan Package.
There is no application fee for the Complete Home Loan Package.
$0 (usually $695)
$0 (usually $695) $0 (usually $695) $295 (usually $400) $295 (usually $400) $695
Transfer fees ? No transfer fee when transferring between home loan products within the Complete Package.
 
No transfer fee when transferring between home loan products within the Complete Package.
 
No transfer fee when transferring between home loan products within the Complete Package.
 
No transfer fee when transferring between home loan products within the Complete Package. No transfer fee when transferring between home loan products within the Complete Package. No transfer fee when transferring between home loan products within the Complete Package. $95 $95 $95 $95 $95 You can't transfer to this home loan from any other Bankwest home loan.
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. Eligible package holders receive unlimited valuations. Eligible package holders receive unlimited valuations. One standard valuation included. 7 Any amount in excess of the standard fees is to be met by the customer.
Close
One standard valuation included. 7 Any amount in excess of the standard fees is to be met by the customer.
Close
One standard valuation included. 7 Any amount in excess of the standard fees is to be met by the customer.
Close
One standard valuation included. 7 Any amount in excess of the standard fees is to be met by the customer.
Close
One standard valuation included. 7 Any amount in excess of the standard fees is to be met by the customer.
Close
One standard valuation included. 7 Any amount in excess of the standard fees is to be met by the customer.
Close
Features
Offset facility with Bankwest Offset Account 8 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. Close 100% offset facility without fees 40% offset facility without fees Not available 100% offset facility without fees 40% offset facility without fees Not available Not available 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. 4 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. 4 At the end of the fixed term an offset fee of $10 per month will apply if an offset account is held. Close Not available
Options to pay Interest-only Yes, up to 5 years Yes, up to 5 years Yes, when loan limit is reached. Yes, up to 5 years Yes, up to 5 years Yes, when loan limit is reached.
Not available
Yes, up to 5 years
Yes, up to 5 years
Yes, up to 5 years
Yes, up to 5 years As this loan is typically repaid on estate settlement, no repayments need to be made during the life of the loan.
Ability to make additional repayments Yes Maximum of $10,000 p.a. above the minimum monthly repayment amount. 5 Higher repayments may attract a fee. Close Yes
Yes
Maximum of $10,000 p.a. above the minimum monthly repayment amount. 5 Higher repayments may attract a fee. Close Yes
Yes Yes Yes Maximum of $10,000 p.a. above the minimum monthly repayment amount. 5 Higher repayments may attract a fee. Close Maximum of $10,000 p.a. above the minimum monthly repayment amount. 5 Higher repayments may attract a fee. Close Yes
Repayment frequencies Weekly, fortnightly or monthly Weekly, fortnightly or monthly Interest is required to be paid when the loan limit is reached. Weekly, fortnightly or monthly Weekly, fortnightly or monthly Interest is required to be paid when the loan limit is reached.
Weekly, fortnightly or monthly Weekly, fortnightly or monthly Weekly, fortnightly or monthly Weekly, fortnightly or monthly Weekly, fortnightly or monthly
Loan is typically repaid on estate settlement.
Online redraw 6 A $10 fee and $1,000 minimum redraw applies to other methods of redraw, including over the counter. Close Free Not available Free Free Not available Free Free Free Free Not available Not available Free
Loan terms Up to 30 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 Up to 30 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.
Loan is typically repaid on estate settlement.
Complete Home Loan Package
The option of a fixed, variable or equity loan, paired with an eligible rewards credit card and Offset Transaction Account. 1 Offset Transaction Account not available with the Complete Equity Loan. Close
Complete Variable 3.99% p.a. 9
New borrowings up to 90% of the property value for principal and interest repayments.

4.41% p.a.
Comparison rate
Comparison rate warning
$200,000+ $395 annual package fee There is no application fee for the Complete Home Loan Package. No transfer fee when transferring between home loan products within the Complete Package.
 
Eligible package holders receive unlimited valuations. 100% offset facility without fees Yes, up to 5 years Yes Weekly, fortnightly or monthly Free Up to 30 years
Complete Fixed

3.88% p.a. 9
Based on a two-year fixed term.

4.40% p.a. Comparison rate
Comparison rate warning

$200,000+ $395 annual package fee There is no application fee for the Complete Home Loan Package.
No transfer fee when transferring between home loan products within the Complete Package.
 
Eligible package holders receive unlimited valuations. 40% offset facility without fees Yes, up to 5 years Maximum of $10,000 p.a. above the minimum monthly repayment amount. 5 Higher repayments may attract a fee. Close Weekly, fortnightly or monthly Not available Up to 30 years with a fixed term of one to five years.
Complete Equity

4.84% p.a.
New borrowings only

No comparison rate

$200,000+
$395 annual package fee There is no application fee for the Complete Home Loan Package.
No transfer fee when transferring between home loan products within the Complete Package.
 
Eligible package holders receive unlimited valuations. Not available Yes, when loan limit is reached. Yes
Interest is required to be paid when the loan limit is reached. Free Up to 30 years
Complete Home Loan Package
The option of a fixed, variable or equity loan, paired with an  eligible rewards credit card and Offset Transaction Account. 1 Offset Transaction account not available with our Complete Equity home loan and 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. Close
Complete Variable

4.59% p.a.  9
New borrowings up to 90% of the property value for principal and interest repayments.

5.00% p.a.
Comparison rate warning

$200,000+ $395 annual package fee There is no application fee for the Complete Home Loan Package.
No transfer fee when transferring between home loan products within the Complete Package. Eligible package holders receive unlimited valuations. 100% offset facility without fees Yes, up to 5 years Yes
Weekly, fortnightly or monthly Free Up to 30 years
Complete Fixed

3.98% p.a. 9
Based on a two-year fixed term.

4.89% p.a. Comparison rate
Comparison rate warning

$200,000+ $395 annual package fee There is no application fee for the Complete Home Loan Package.
No transfer fee when transferring between home loan products within the Complete Package. Eligible package holders receive unlimited valuations. 40% offset facility without fees Yes, up to 5 years Maximum of $10,000 p.a. above the minimum monthly repayment amount. 5 Higher repayments may attract a fee. Close Weekly, fortnightly or monthly Not available Up to 30 years with a fixed term of one to five years.
Complete Equity

4.84% p.a.New borrowings only

No comparison rate

$200,000+ $395 annual package fee There is no application fee for the Complete Home Loan Package.
No transfer fee when transferring between home loan products within the Complete Package. Eligible package holders receive unlimited valuations. Not available Yes, when loan limit is reached.
Yes
Interest is required to be paid when the loan limit is reached.
Free Up to 30 years
Equaliser Home Loan
Discount off the average standard variable rates of ANZ, NAB and Westpac for three years. Conditions apply. 2

3.72% p.a.
Three-year introductory variable rate. 2

4.19% p.a. Comparison rate
Comparison rate warning

$200,000+ None $0 (usually $695)
$95 One standard valuation included. 7 Any amount in excess of the standard fees is to be met by the customer.
Close
Not available Not available
Yes Weekly, fortnightly or monthly Free Up to 30 years
Variable Rate Home Loan
The Premium Select home loan gives you a discount off our standard variable rate. 3

4.09% p.a. 9
New borrowings up to 80% of the property value for principal and interest repayments. Various tiers apply.

4.11% p.a. Comparison rate
Comparison rate warning

$20,000+ None $0 (usually $695) $95 One standard valuation included. 7 Any amount in excess of the standard fees is to be met by the customer.
Close
100% offset facility with a $10 monthly fee Yes, up to 5 years
Yes Weekly, fortnightly or monthly Free Up to 30 years
Variable Rate Home Loan
The Premium Select home loan gives you a discount off our standard variable rate. 3

4.69% p.a. 9
New borrowings up to 90% of the property value for principal and interest repayments.

4.71% p.a.
Comparison rate warning

$20,000+ None $0 (usually $695) $95 One standard valuation included. 7 Any amount in excess of the standard fees is to be met by the customer.
Close
100% offset facility with a $10 monthly fee Yes, up to 5 years
Yes Weekly, fortnightly or monthly Free Up to 30 years
Fixed Rate Home Loan
Lock in a competitive fixed rate for up to five years, and enjoy consistent repayments.

4.38% p.a. 9
Based on a three-year fixed term.

5.21% p.a.
Comparison rate
Comparison rate warning

$20,000+ $12 monthly maintenance fee during the fixed term $295 (usually $400) $95 One standard valuation included. 7 Any amount in excess of the standard fees is to be met by the customer.
Close
40% offset facility with no monthly offset fee during the fixed term. 4 At the end of the fixed term an offset fee of $10 per month will apply if an offset account is held. Close Yes, up to 5 years
Maximum of $10,000 p.a. above the minimum monthly repayment amount. 5 Higher repayments may attract a fee. Close Weekly, fortnightly or monthly Not available Up to 30 years with a fixed term of one to five years.
Fixed Rate Home Loan
Lock in a competitive fixed rate for up to five years, and enjoy consistent repayments.

4.58% p.a. 9
Based on a two-year fixed term.

5.84% p.a.
Comparison rate warning

$20,000+ $12 monthly maintenance fee during the fixed term $295 (usually $400) $95 One standard valuation included. 7 Any amount in excess of the standard fees is to be met by the customer.
Close
40% offset facility with no monthly offset fee during the fixed term. 4 At the end of the fixed term an offset fee of $10 per month will apply if an offset account is held. Close Yes, up to 5 years Maximum of $10,000 p.a. above the minimum monthly repayment amount. 5 Higher repayments may attract a fee. Close Weekly, fortnightly or monthly
Not available Up to 30 years with a fixed term of one to five years.
Seniors Equity Release
Supplement your retirement income, without worrying about monthly repayments.
6.27% p.a.

6.30% p.a.
Comparison rate
Comparison rate warning
$20,000 - $250,000 None $695 You can't transfer to this home loan from any other Bankwest home loan. One standard valuation included. 7 Any amount in excess of the standard fees is to be met by the customer.
Close
Not available As this loan is typically repaid on estate settlement, no repayments need to be made during the life of the loan. Yes Loan is typically repaid on estate settlement. Free Loan is typically repaid on estate settlement.

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.

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

Loans for investment purpose (also known as investor loans) include but are not limited to, loans where the predominant part of the loan is used to invest in shares, land, construction or an established dwelling (including refinance of investment loans).

Loans for a property to live in (also known as owner-occupier loans) include but are not limited to, loans to fund the purchase of a property or refinance an existing loan, where the borrower currently resides or intends to reside in the property.

Other conditions apply.

Need help choosing a loan?

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

Things you should know

1. Offset Transaction Account not available with the Complete Equity Loan.

2. 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.

3. 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.

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

5. Higher repayments may attract a fee.

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

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

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

9. Different rates apply for interest only repayments, contact your Home Loan Specialist or call us on 13 17 19 to find out more.