A variable rate to enjoy

Premium Select Home Loan


Variable rate


Comparison rate

A discount off our standard variable rate isn’t the only thing to look forward to. There are less fees to think about with no account maintenance fees or annual fee for the life of the loan. Plus, you can add an optional 100% offset account to help save on interest. 1 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply.

Rate subject to change. Owner occupied borrowings up to 70% of the property value for principal and interest repayments. Minimum loan size of $20,000. Understand the comparison rate.

Save on home loan interest

Multiple offset accounts

There’s less lazy money with multiple offset accounts. With the Complete Home Loan Package, you can slice your money into multiple offset accounts, where the balance of each account is reduced from the overall interest you pay. So, you can manage your money how it suits you, knowing all your money is working hard. 2

There's less budget blowouts with the Bankwest App, where you can create, shuffle and nickname accounts in a way that works for you. Bucket your money in to different accounts so you can keep track of your money.

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  1. Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply.
  2. Offset Transaction Account 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. You should consider the Product Disclosure Statement (PDS) and whether the product is right for you. A PDS is available from your local Bankwest branch, from bankwest.com.au or by calling 13 17 19.

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:
Rate subject to change. Comparison rate is calculated on the statutory assumption of $150,000 loan over 25 years. 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. Lending and eligibility criteria, fees and charges and T&Cs apply and are available on request. 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.

Premium Select Home Loan​:
Lending criteria, fees and charges apply. Terms and conditions apply and are available on request. Premium Select Home Loan is only available to individuals and eligible family trusts. Minimum loan size is $20,000.

Bankwest Zero Mastercard introductory offer:
Introductory balance transfer rate offer is only available to new Bankwest Zero Mastercard customers who apply from 4 November 2021 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.

Introductory balance transfer rate:

  • A 2% balance transfer fee is payable on all transactions to which that balance transfer rate applies
  • Introductory balance transfer rate excludes cash advances (rate of 21.99% p.a. applies)
  • Applies from the date the card is opened, regardless of when any balance transfer is processed by us
  • After the intro period, the interest rate on any outstanding transferred balance will be charged at the ongoing rate for balance transfers as outlined in your credit card schedule
  • Minimum balance transfer amount is $500
  • Only non-Bankwest-branded credit cards can be balance transferred to Bankwest Mastercard credit cards
  • A balance transfer request will only be processed up to 95% of your approved credit limit.

View balance transfer terms and conditions.

Mastercard and the circles design are registered trademarks, and tap & go is a trademark, of Mastercard International Incorporated.

Terms of Use apply to the use of Google Pay. Android, Google Pay, Google Play and the Google Play logo are trademarks of Google LLC.​

Bankwest Easy Alerts are available for your mobile personal transaction and savings accounts. Limited alerts only are available for credit card transactions. Bankwest Easy Alerts will be sent to any compatible iOS and Android device on which you have the Bankwest App and enabled notifications. Whilst some alerts may be sent to your device once you have enabled notifications, in order to receive the full range of Easy Alerts available you will also need to activate the Bankwest Easy Alerts service within the Bankwest App. Terms of Use apply. Bankwest Easy Alerts is currently supported on iOS 11 and Android 5.0 devices and above. Bankwest Easy Alerts is not available on tablets and Windows devices.