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Complete Fixed Home Loan Package

The Complete Fixed Home Loan Package includes a fixed home loan, up to 9 offset accounts, a credit card and other good stuff - including our great rates.
Category: Home Loans  Last Updated June 4, 2021  Effective January 1, 2014

 General Lending Rates

Rates listed below are for a FIXED OWNER_OCCUPIED PRINCIPAL_AND_INTEREST. Additional Information
Interest Rate
1.89%PA
Comparison Rate
3.25%PA*
Product rates will vary depending upon your financial position. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

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Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Term
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.06%, Comparison Rate 3.28%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.07%, Comparison Rate 3.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.14%, Comparison Rate 3.36%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.29%, Comparison Rate 3.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Term
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.33%, Comparison Rate 3.27%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.34%, Comparison Rate 3.94%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  Term
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.54%, Comparison Rate 3.97%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  Term
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.59%, Comparison Rate 3.28%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.68%, Comparison Rate 3.85%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  Term
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.69%, Comparison Rate 4.13%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  Term
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.78%, Comparison Rate 3.87%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Term
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.89%, Comparison Rate 3.43%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.99%, Comparison Rate 4.16%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  Term
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.19%, Comparison Rate 4.28%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Term
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.29%, Comparison Rate 3.56%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.39%, Comparison Rate 3.5%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.49%, Comparison Rate 4.3%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Term
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.59%, Comparison Rate 3.63%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.59%, Comparison Rate 3.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.59%, Comparison Rate 4.24%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  Term
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.59%, Comparison Rate 3.48%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.79%, Comparison Rate 3.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.79%, Comparison Rate 3.69%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.79%, Comparison Rate 4.27%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Digital Banking Additional Information: Monitor your account balances through Bankwest Online Banking and the Bankwest App from anywhere, 24/7 - it's easy and secure.
  • Offset Additional Information: Link up to 9 offset accounts to your Complete Fixed Home Loan. The money in each offset account reduces the balance on which the interest is charged on your home loan.
  • Other Additional Information: Apply for additional lending or reduce your limit, this lets you renovate, upsize, downsize or invest in property. Lending criteria applies. Other fees and charges, such as break fees on a fixed rate loan, may apply.
  • Other Additional Information: Make extra repayments of up to $10,000 a year and redraw them when you need.
  • Other Additional Information: Get a minimum 50% discount on a depreciation schedule prepared by Deppro Pty Ltd where you take out a Complete Home Loan for investment purposes.
  • Other Additional Information: Pay weekly, fortnightly or monthly.
  • Other Additional Information: A guarantor is someone who agrees to be responsible for repaying a debt owed to us under a loan provided to another individual if the borrower (or borrowers) cannot make their repayments. A guarantor supports the loan by providing us with an additional property as security. By providing a guarantee, we may lend to the borrower in situations where they may not have been able to secure the full amount of the loan they require. Independant legal and financial advice is required for these applications.
  • Other Additional Information: Lenders' Mortgage Insurance (LMI) may apply where there is an increased risk associated with a home loan. The circumstances of your loan determine whether a loan will incur LMI. There is a one-off cost associated with LMI. This LMI premium is not a bank fee or an establishment fee.
  • Other Additional Information: This loan can be used for the purposes of owner occupied or investment property purchases, refinancing your existing home loan, purchasing of vacant land (non-commercial) and personal needs.
  • Other Additional Information: This loan cannot be used for construction/building or business purposes.
  • Other Additional Information: You can choose to split between variable and fixed. You can also switch between the two at any time later on with no transfer fee. Other fees and charges, such as break fees on a fixed rate loan, may apply.
  • Other Additional Information: Principal & Interest or Interest only options are available.
  • Other Additional Information: Choose an optional eligible credit card in the Classic or Platinum tier - and pay no annual credit card fee. Other fees and charges may apply.
  • Redraw Additional Information: Access your surplus balance when you need, online via a Home Loan Access request or at your local branch.

 Product Eligibility

  • Business - Non-individual Borrowers. Additional Information: Non-trading Companies and/or Family Trusts.
  • Min Age - 18.
  • Residency Status Additional Information: Available to Australian citizens or permanent residents and to New Zealand citizens residing in Australia.
  • Natural Person - Individuals.
  • Other Additional Information: Security of the home loan is located in Australia.
  • Other Additional Information: Applications for home loans are subject to the Bank's normal credit approval.

 Bank Fees and Charges

  • Repeat Statement Of Account Fee (Event), Amount: 2.50. Additional Information: Cost is per statement and payable on customer request to issue a copy of a previously issued statement.
  • Statement Faxing Fee (Event), Amount: 4.00. Additional Information: Cost is per statement when a customer requests for a statement to be faxed.
  • Bank Cheque Fee (Event), Amount: 10.00. Additional Information: Payable per cheque required for settlement purposes and each time you request a bank cheque.
  • Arrears Notice Fee (Event), Amount: 35.00. Additional Information: Cost is per notice and payable upon notification that your account is in arrears, during the period the loan is in default.
  • Legal Disbursement Fee (Event), Amount: 250.00. Additional Information: Applies when a new mortgage is being taken. Applies whether the settlement is attended in person or digitally.
  • Complete Home Loan Package Fee (Event), Amount: 395.00. Additional Information: Fee is payable in advance and covers all Complete Home Loans held under the Package.
  • Preparation Of Discharge Of Mortgage Fee (Event), Amount: 300.00. Additional Information: Payable for the preparation of each discharge of mortgage document.
  • Discharge Settlement Attendance Fee (Event), Amount: 38.20. Additional Information: Payable per settlement and applies whether the settlement is attended in person or digitally.
  • Duplicate Statement Of Account Fee (Event), Amount: 2.50. Additional Information: Cost is per statement and payable when requesting a duplicate statement.
  • Title Production Fee (Event), Amount: 130.00. Additional Information: Cost is per title and payable when Bankwest is required to produce title documents.
  • Search Handling Fee (Event), Amount: 40.00. Additional Information: Cost is per dealing and payable for completion of any search conducted by Bankwest.
  • Home Loan Portability Fee (Event), Amount: 350.00. Additional Information: Fee is payable upon application to Bankwest to substitute an existing security with another security.
  • Home Loan Transfer Fee (Event), Amount: 135.00. Additional Information: No transfer fee applies when transferring loans within the Complete Package, or when transferring from another Bankwest home loan on to the Complete Package.
  • Default Administration Fee (Event), Amount: 50.00. Additional Information: Cost is per month and payable on issue of a statutory default notice, during the period that your loan is under administration due to being in default.
  • Customer Trace Fee (Event), Amount: 10.00. Additional Information: Payable on each occasion on which Bankwest has to locate you during the period the loan is in default.
  • Express Courier Fee (Event), Amount: 7.87. Additional Information: Payable when Bankwest home loan contracts are delivered by courier to you for signing.
  • Loan Increase Fee (Event), Amount: 295.00. Additional Information: Payable when you apply to increase the amount of credit or credit limit under an existing loan.
  • Fixed Rate Break Administration Fee (Event), Amount: 50.00. Additional Information: Payable if and on the date that, during the fixed interest rate period, the loan is repaid in full or terminated by Bankwest by reason of your default.
  • Partial Draw Down Fee (Event), Amount: 100.00. Additional Information: Payable on each occasion the bank makes a partial disbursal.
  • Application Fee (Upfront), Amount: 0.00. Additional Information: No application fee applies for any home loans under the Complete Package.
  • Legal Fees (Variable), Amount: Not Listed.. Additional Information: Payable where Bankwest requires external legal services as part of the application.
  • Mortgage Registration Fee (Variable), Amount: Not Listed.. Additional Information: These are payable to Bankwest in reimbursement of Land Titles Office fees. Charges vary depending on the State of lodgement.
  • Discharge Of Pre-existing Mortgage Registration Fee (Variable), Amount: Not Listed.. Additional Information: These are payable to Bankwest in reimbursement of Land Titles Office fees. Charges vary depending on the State of lodgement.
  • Transfer Of Land Registration Fee (Variable), Amount: Not Listed.. Additional Information: These are payable to Bankwest in reimbursement of Land Titles Office fees. Charges vary depending on the State of lodgement.
  • Search Service Fee (Variable), Amount: Not Listed.. Additional Information: These are payable to Bankwest in reimbursement of any title searches required. Charges vary depending on the State and number of searches required.
  • Third Party Fees (including Legal Fees) Associated With The Discharge (Variable), Amount: Not Listed.. Additional Information: These are payable to Bankwest in reimbursement of any third party fees associated with a discharge.
  • Discharge Of Mortgage Registration Fee (Variable), Amount: Not Listed.. Additional Information: These are payable to Bankwest in reimbursement of Land Titles Office fees. Charges vary depending on the State of lodgement.
  • Excess Repayment Fee (Variable), Amount: Not Listed.. Additional Information: You may have to pay an excess repayment fee if you make additional repayments that exceed $10,000 per annum above the minimum required loan repayments.
  • Fixed Rate Break Cost (Variable), Amount: Not Listed.. Additional Information: If the loan, or any part, is paid prior to its due date during the fixed interest rate period and we suffer a loss as a result, the fixed rate break cost is payable on the date of the prepayment.

 Limitations & Restrictions (Constraints)

  • Min Limit of 200000.00 Additional Information: Minimum individual loan size is $20,000 however minimum aggregate borrowings required to qualify for the Complete Package is $200,000.

Related Home Loans

Related Fixed Home Loans
Interest*
1.89%
Comparison*
2.15%
   
1.85%
2.24%
   
2.19%
2.24%
   
2.24%
2.24%
   
Related Variable Home Loans
Interest*
1.95%
Comparison*
1.99%
   
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1.99%
   
1.99%
2.01%
   
2.09%
2.05%
   
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