Complete Home Loan Package

The Complete Home Loan Package offers a home loan, a credit card and offset account for one annual package fee. 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

Benefits

Three-in-one

Home loan, credit card and offset account for one annual package fee of $395. 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

Make it yours

Choose a loan and rewards credit card that suit your needs.

Flexibility

Split or fix your loan within the package at any time and pay no transfer fee. 2 Other fees and charges, such as break fees on a fixed-rate loan, may apply. Close

Save on fees

$0 home loan application fee and property valuation fees.

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. 3 Bankwest does not endorse or approve the depreciation schedule prepared by Deppro Pty Ltd. Close

How it works

Choose between a variable, fixed or equity loan (or split your loan between them), select an eligible rewards credit card that suits you, and use your offset account to potentially save on home loan interest. 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

Home Loan

Choose from fixed, variable, equity, or split your loan between them.

Credit Card

Choose between a Bankwest Qantas Mastercard®, or a Bankwest More Mastercard, in either the Classic or Platinum tier.4

Offset Account

Use your offset account and you could save on home loan interest. 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

Package loan options 

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

Show me rates for

Complete Variable

Receive a flexible variable loan with a discount off Bankwest's standard variable rate. 5 The standard variable rate is the variable Mortgage Shredder Reference Rate for owner occupiers and the Investor Reference Rate where the loan is for investment purposes. Close

  • Choose up to five years interest-only
  • No loan maintenance fees
  • Comes with 100% offset 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

3.99 %
p.a.

Variable rate

4.41 %
p.a.

Comparison rate

For new borrowings up to 90% of the property value and loan size of $200,000+. 6 For borrowing over 90% of the property value, other rates apply.
Close

For principal and interest repayments 7 Different rates apply for interest only repayments, contact your Home Loan Specialist or call us on 13 17 19 to find out more. Close
Comparison rate warning

Complete Variable

Receive a flexible variable rate loan with a discount off Bankwest's standard variable rate. 5 The standard variable rate is the variable Mortgage Shredder Reference Rate for owner occupiers and the Investor Reference Rate where the loan is for investment purposes. Close

  • Choose up to five years interest only
  • No loan maintenance fees
  • Comes with 100% offset 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

5.04 %
p.a.

Variable rate

5.44 %
p.a.

Comparison rate

For new borrowings up to 90% of the property value and loan size of $200,000+.
For principal & interest repayments 7 Different rates apply for interest only repayments, contact your Home Loan Specialist or call us on 13 17 19 to find out more. Close
Comparison rate warning

Complete Fixed

Secure a fixed rate for one to five years (rate will change depending on your term). 8 Before going into a fixed-rate loan, it's worth thinking about the implications should you decide to break the loan during the fixed period, as break fees may apply. Close

  • Available for Principle and Interest repayments only
  • Comes with 40% offset 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
  • Extra repayments up to $10,000 a year

3.78 %
p.a.

Three-year fixed rate

4.36 %
p.a.

Comparison rate

Comparison rate warning

Complete Fixed

Secure a fixed rate for one to five years (rate will change depending on your term). 8 Before going into a fixed-rate loan, it's worth thinking about the implications should you decide to break the loan during the fixed period, as break fees may apply. Close

  • Available for Principle and Interest repayments only
  • Comes with 40% offset 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
  • Extra repayments up to $10,000 a year

4.28 %
p.a.

Three-year fixed rate

5.24 %
p.a.

Comparison rate

Comparison rate warning

Complete Equity

Unlock the equity in your home and use it as the deposit for your next investment.

  • No loan maintenance fees
  • Can be used like a transaction account
  • No monthly repayments

4.84 %
p.a.

Variable rate

For new borrowings over $750,000.
For borrowings less than $750,000 other rates apply.
 

Rates and fees

Show me detailed rates and fees for

Rates - Borrowing up to 90% of property value for a Complete Variable home loan 11 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+

3.99% p.a.

4.41% p.a.

Rates are intended for new borrowing and only for principal and interest repayments. 7 Different rates apply for interest only repayments, contact your Home Loan Specialist or call us on 13 17 19 to find out more. Close

Comparison rate warning

More

Rates - Borrowing 90% - 95% of property value for a Complete Variable home loan 11 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+

4.53% p.a.

4.94% p.a.

Rates are intended for new borrowing and only for principal and interest repayments. 7 Different rates apply for interest only repayments, contact your Home Loan Specialist or call us on 13 17 19 to find out more. Close

Comparison rate warning

More

Rates - Borrowing up to 90% of the property value for a Complete Fixed home loan

Fixed term

Fixed rate

Comparison rate

1 year

4.21% p.a.

4.44% p.a.

2 years

3.94% p.a.

4.41% p.a.

3 years

3.78% p.a.

4.36% p.a.

4 years

4.35% p.a.

4.54% p.a.

5 years

4.39% p.a.

4.58% p.a.

Rates are intended for new borrowing and only for principal and interest repayments

Comparison rate warning

More

Rates - Borrowing up to 90% of property value for a variable rate home loan

Amount you want to borrow

Variable rate

Comparison rate

$200,000+

5.04% p.a.

5.44% p.a.

Rates are intended for new borrowing only for principal and interest repayments. 7 Different rates apply for interest only repayments, contact your Home Loan Specialist or call us on 13 17 19 to find out more. Close

Comparison rate warning

More

Rates - Borrowing up to 90% property value for a Complete Fixed home loan

Fixed term

Fixed rate

Comparison rate

1 year

4.31% p.a.

5.37% p.a.

2 years

4.40% p.a.

5.33% p.a.

3 years

4.28% p.a.

5.24% p.a.

4 years

4.60% p.a.

5.29% p.a.

5 years

4.74% p.a.

5.32% p.a.

Rates are intended for new borrowing and only for principal and interest repayments

Comparison rate warning

More

Rates - Borrowing for a Complete Equity home loan

Amount you want to borrow

Equity variable rate

$200,000 to $500,000

4.84% p.a.

$500,000 to $750,000

4.84% p.a.

$750,000+

4.84% p.a.

Rates are intended for new borrowing only

More

Fees

Fee

Amount

Annual Package fee ? This is charged to the nominated home loan. Close

$395

Transfer fee (when transferring loans within the package) 9 A $95 fee applies when transferring from a non-packaged home loan to the Complete Home Loan Package. Close

$0

Online redraw fee (online redraw not available with fixed loans) 10 A $10 fee and $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

More

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.

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.

Start your application online

Check your eligibility

  • You must be 18 years or older
  • You must be a permanent Australian resident
  • Minimum loan size $200,000
  • Available to individuals and eligible family trusts
  • You must meet Bankwest's lending criteria.
1

Things you need to get started online

  • Financial details, including your income, expenses, assets and liabilities
  • Two forms of identification, like your Australian Driver’s licence, Medicare card or Australian passport.

Things you will need after you submit online

All home lending applications are required to hold evidence of building insurance prior to settlement or final progress payment. Bankwest will not book settlement without this in place.

See a detailed list of what you may need

Already started? Track or resume your application.

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 our Complete Equity home loan and must be held in the same name as the loan account. Maximum 40% offset available with Complete Fixed home loan. Other exclusions apply.
  2. Other fees and charges, such as break fees on a fixed-rate loan, may apply.
  3. Bankwest does not endorse or approve the depreciation schedule prepared by Deppro Pty Ltd.
  4. Package does not include a Bankwest Qantas World Mastercard and Bankwest More World Mastercard. Minimum credit limit $1,000. Under the package, only one Bankwest More Mastercard or Bankwest Qantas Mastercard account is allowed per customer.
  5. The standard variable rate is the variable Mortgage Shredder reference rate for owner occupiers and the Investor reference rate where the loan is for investment purposes.
  6. For borrowing over 90% of the property value, other rates apply.
  7. Different rates apply for interest only repayments, contact your Home Loan Specialist or call us on 13 17 19 to find out more.
  8. Before going into a fixed-rate loan, it's worth thinking about the implications should you decide to break the loan during the fixed period, as break fees may apply.
  9. A $95 fee applies when transferring from a non-packaged home loan to the Complete Home Loan Package.
  10. A $10 fee and $1,000 minimum redraw applies to other methods of redraw, including over the counter.
  11. Where inclusion of Lender's Mortgage Insurance results in increased LVR, different rates may apply.

Package must include an eligible home loan, credit card and (unless you hold only a Complete Equity Loan) Offset Transaction Account.

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

Mastercard, World Mastercard and the Mastercard brand mark are registered trademarks, and the circles design and tap & go are trademarks of Mastercard International Incorporated.