Compare home loans

Show me home loans for and compare ? Transfer fee is payable on or before the date when your existing loan contract is varied at your request, including but not limited to transferring your home loan to another product type, changing the interest rate tier within the same product or splitting your home loan or combining it with another home loan.
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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 For owner occupiers the standard variable rate is the Mortgage Shredder Reference Rate. For investors the standard variable rate is the Investor Reference Rate. Close
Variable Rate Home Loan
The Premium Select home loan gives you a discount off our standard variable rate. 3 For owner occupiers the standard variable rate is the Mortgage Shredder Reference Rate. For investors the standard variable rate is the Investor Reference Rate. Close
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

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Rates and fees
Interest rates

3.99% p.a. 9 Different rates apply for interest only repayments, contact your Home Loan Specialist or call us on 13 17 19 to find out more. Close
New borrowings up to 90% of the property value for principal and interest repayments.

4.41% p.a.
Comparison rate
Comparison rate warning

3.78% p.a.
Based on a three-year fixed term.

4.36% p.a.
Comparison rate
Comparison rate warning

4.84% p.a.
New borrowings only

No comparison rate

5.04% p.a.  9 Different rates apply for interest only repayments, contact your Home Loan Specialist or call us on 13 17 19 to find out more. Close
New borrowings up to 90% of the property value for principal and interest repayments.

5.44% p.a.
Comparison rate warning

4.28% p.a.
Based on a three-year fixed term.

5.24% p.a.
Comparison rate
Comparison rate warning

4.84% p.a.New borrowings only

No comparison rate

3.79% p.a.
Three-year introductory variable rate.2

4.20% p.a. Comparison rate
Comparison rate warning

4.09% p.a. 9 Different rates apply for interest only repayments, contact your Home Loan Specialist or call us on 13 17 19 to find out more. Close
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

5.14% p.a.  9 Different rates apply for interest only repayments, contact your Home Loan Specialist or call us on 13 17 19 to find out more. Close
New borrowings up to 90% of the property value for principal and interest repayments.

5.16% p.a.
Comparison rate warning

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

5.21% p.a.
Comparison rate
Comparison rate warning

4.58% p.a.
Based on a three-year fixed term.

5.73% p.a.
Comparison rate
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 ? Transfer fee is payable on or before the date when your existing loan contract is varied at your request, including but not limited to transferring your home loan to another product type, changing the interest rate tier within the same product or splitting your home loan or combining it with another home loan.
Close

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

Not available

Yes, when loan limit is reached.

Yes, up to 5 years

Not available

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

3.78% p.a.
Based on a three-year fixed term.

4.36% 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 Not available
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

5.04% p.a.  9 Different rates apply for interest only repayments, contact your Home Loan Specialist or call us on 13 17 19 to find out more. Close
New borrowings up to 90% of the property value for principal and interest repayments.

5.44% 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

4.28% p.a.
Based on a three-year fixed term.

5.24% 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 Not available
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

3.79% p.a.
Three-year introductory variable rate.2

4.20% 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 For owner occupiers the standard variable rate is the Mortgage Shredder Reference Rate. For investors the standard variable rate is the Investor Reference Rate. Close

4.09% p.a. 9 Different rates apply for interest only repayments, contact your Home Loan Specialist or call us on 13 17 19 to find out more. Close
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 For owner occupiers the standard variable rate is the Mortgage Shredder Reference Rate. For investors the standard variable rate is the Investor Reference Rate. Close

5.14% p.a.  9 Different rates apply for interest only repayments, contact your Home Loan Specialist or call us on 13 17 19 to find out more. Close
New borrowings up to 90% of the property value for principal and interest repayments.

5.16% 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.
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.
Based on a three-year fixed term.

5.73% 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.
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 Mortgage Shredder Reference Rate. For investors the standard variable rate is the Investor Reference Rate.

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.