Complete Home Loan Package

Combine a Complete home loan, rewards credit card and offset accounts into one flexible package. 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

$1,500 cashback with our home loans

Apply for a new home loan by 30 Nov 2018 and you could enjoy $1,500 cashback.

Min loan amount $350,000. Eligibility requirements and T&Cs apply. 13

How it works

For an annual package fee of $395, you get…

Home loan

Choose a Complete variable, fixed or equity loan, or split between them.

Credit card

Choose an eligible rewards credit card - a Bankwest Qantas Mastercard® or Bankwest More Mastercard in classic or platinum tier - and pay no annual credit card fee. 3

Offset account

Up to nine offset accounts can be set up, to help manage your money and 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

Use the features to your advantage

Flexible repayments

Pay weekly, fortnightly or monthly to suit your pay cycle. You can also make extra repayments to help pay your loan off faster. 4 If you decide to pay interest only, only monthly repayments are permitted.
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Surplus safety net

Access extra repayments when you need, or even use your surplus to take a break from making repayments.

Best of both worlds

If things change, you can split or switch between variable and fixed any time with 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.

Check out these additional perks 

Whether you're building, renovating, upsizing, downsizing or buying an investment property, the flexibility of our Complete Home Loan Package could help you get closer to your property goals.

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. 12 If you take out a Bankwest home loan for investment purposes, you will be contacted by Deppro Pty Ltd. Bankwest does not endorse or approve the depreciation schedule prepared by Deppro Pty Ltd.
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Apply for additional lending or reduce your limit

This allows you to renovate, upsize, downsize, or even invest in property. Lending criteria applies.

Package loan options 

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

Show me rates for

Rates and fees

Show me detailed rates and fees for

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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+ 4.14% p.a. 4.56% p.a.
Rates are intended for new borrowing only and for principal and interest repayments 7
Understand the comparison rate
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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+ 4.68% p.a. 5.09% p.a.
Rates are intended for new borrowing and only for principal and interest repayments 7
Understand the comparison rate
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Rates - Borrowing 95% - 98% 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+ 5.44% p.a. 5.84% p.a.
Rates are intended for new borrowing and only for principal and interest repayments 7
Understand the comparison rate
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Rates - Borrowing up to 90% of the property value for a Complete Fixed home loan
Fixed term Fixed rate Comparison rate
1 year fixed rate 4.21% p.a. 4.57% p.a.
2 year fixed rate 3.88% p.a.
4.51% p.a.
3 year fixed rate 3.98% p.a.
4.52% p.a.
4 year fixed rate 4.44% p.a.
4.66% p.a.
5 year fixed rate 4.54% p.a.
4.73% p.a.
Rates are intended for new borrowing and only for principal and interest repayments 7
Understand the comparison rate
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Rates - Borrowing up to 90% of property value for a Complete Variable home loan
Amount you want to borrow Variable rate Comparison rate
$200,000+ 4.74% p.a. 5.15% p.a.
Rates are intended for new borrowing only for principal and interest repayments 7
Understand the comparison rate
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Rates - Borrowing up to 90% property value for a Complete Fixed home loan
Fixed term Fixed rate Comparison rate
1 year fixed rate 4.31% p.a.
5.11% p.a.
2 year fixed rate 3.98% p.a.
5.01% p.a.
3 year fixed rate 4.08% p.a.
4.97% p.a.
4 year fixed rate 4.60% p.a.
5.10% p.a.
5 year fixed rate 4.74% p.a.
5.15% p.a.

Rates are intended for new borrowing and only for principal and interest repayments 7
Understand the comparison rate
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Rates - Borrowing for a Complete Equity home loan
Amount you want to borrow Equity variable rate
$200,000 to $500,000 4.99% p.a.
$500,000 to $750,000 4.99% p.a.
$750,000+ 4.99% p.a.
Rates are intended for new borrowing only
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Fees
Fee Amount
Annual Package fee ? This is charged to the nominated home loan. Close $395
Transfer fee 9 $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
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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.

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.

Home loan calculators

Home loan repayments calculator

Work out what your mortgage repayments could be and discover how much you could save if you made extra repayments.

Calculate your borrowing power

Find out how much you can borrow and calculate what your repayments might be based on your income and regular expenses.

Calculate potential home loan fees

Get an estimate on stamp duty, lenders' mortage insurance and other non-standard home buying fees that come with purchasing a property.

Home loan comparison calculator

Compare the repayments on Bankwest home loans and find out if refinancing your loan may save you money on interest in the long term.

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.
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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 your application.

More home loan options

Complete Home Loan Package isn’t right for you? Check out some of our non-packaged home loans.

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. 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. Under the package, only one Bankwest More Mastercard or Bankwest Qantas Mastercard account is allowed per customer. Minimum credit limit $1,000 for the Classic tier and $6,000 for the Platinum tier. Package does not include a Bankwest Qantas World Mastercard and Bankwest More World Mastercard.

  4. If you decide to pay interest only, only monthly repayments are permitted.

  5. 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.

  6. For borrowing over 90% of the property value, other rates apply.

  7. Different rates apply for interest only repayments, contact your Home Finance Manager 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. No transfer fee when transferring loans within the Complete Package, or when transferring from another Bankwest home loan on to the Complete 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.

  12. If you take out a Bankwest home loan for investment purposes, you will be contacted by Deppro Pty Ltd. Bankwest does not endorse or approve the depreciation schedule prepared by Deppro Pty Ltd.

  13. Home loan cashback promotion is available to individuals who take out a new Bankwest home loan:
  • Applications must be submitted within the promotional period starting on 17 September 2018 and closing on 30 November 2018
  • Lending must be new to Bankwest (refinance of existing Bankwest loans is excluded)
  • Refinances from CommBank are excluded
  • Home loan must be for a minimum loan amount of $350,000
  • Your home loan borrowings must not exceed 90% of the property value
  • Repayment type must be principal and interest
  • Available on owner occupier and investor loans
  • Available on any Bankwest home loan product
  • Applications must settle on or before 1 February 2019
  • Normal lending policies apply
  • This offer is not available in conjunction with any other promotions
  • Only one cashback per eligible customer. Only one cashback per eligible home loan.

See full home loan cashback promotion terms and conditions (PDF).

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.

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