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Basic Home Loan

Get your lowest personalised variable home loan rate, with no need to haggle when you apply online
Category: Home Loans  Last Updated April 1, 2021  Effective June 4, 2021

 General Lending Rates

Rates listed below are for a VARIABLE OWNER_OCCUPIED INTEREST_ONLY. Additional Information
Interest Rate
4.52%PA
Comparison Rate
4.57%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 from 60% to 70%
Minimum: 60 PERCENT Maximum: 70 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 3.93%, Comparison Rate 3.98%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR from 60% to 70%
Minimum: 60 PERCENT Maximum: 70 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 4.78%, Comparison Rate 4.83%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR from 60% to 70%
Minimum: 60 PERCENT Maximum: 70 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 4.49%, Comparison Rate 4.54%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR from 70% to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 4.52%, Comparison Rate 4.57%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR from 70% to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 3.93%, Comparison Rate 3.98%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR from 70% to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 4.78%, Comparison Rate 4.83%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR from 70% to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 4.49%, Comparison Rate 4.54%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR from 60% to 70%
Minimum: 60 PERCENT Maximum: 70 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 3.14%, Comparison Rate 3.16%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR from 60% to 70%
Minimum: 60 PERCENT Maximum: 70 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 2.49%, Comparison Rate 2.51%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR from 60% to 70%
Minimum: 60 PERCENT Maximum: 70 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 2.99%, Comparison Rate 3.01%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR from 60% to 70%
Minimum: 60 PERCENT Maximum: 70 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 2.79%, Comparison Rate 2.81%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR from 70% to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 3.14%, Comparison Rate 3.16%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR from 70% to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 2.49%, Comparison Rate 2.51%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR from 70% to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 2.99%, Comparison Rate 3.01%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR from 70% to 80%
Minimum: 70 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 2.79%, Comparison Rate 2.81%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment

 Product Features

  • Other Additional Information: A haggle free loan : A home loan with your lowest variable interest rate up front, useful for anyone who doesn?t want to pay for features they won?t use.
  • Other Additional Information: Make extra repayments at no extra cost : Pay off your loan sooner and save on interest.
  • Redraw Additional Information: Redraw facility : If you have made any extra repayments, you have access to redraw them. (fees apply)
  • Other Additional Information: Family Pledge : You could use the equity in a family member's home to help you on your home buying journey and maximise the amount you can borrow
  • Other Additional Information: Take a break from repayments : You may be able to pause or reduce your repayments for a set period (keep in mind after the break your repayments may be higher for the rest of your loan term)
  • Other Additional Information: Get 4K cashback when you refinance. This offer is applicable for new Owner Occupier (P&I repayments) and Investment loans. Available on our Advantage Package home loans, with a $395 annual package fee and Basic home loans (no annual fee). $250k min loan per property refinanced. Excludes refinances from within Westpac Group. Apply by 30th June 2021, and settle by 30th September 2021. Only 1x $2k cashback per property refinance will be paid regardless of the number of loans involved. Only 1x $2k bonus cashback will be paid for the initial application regardless of the numbers of customers, properties or applications involved with a maximum LVR up to 80% at time of approval.

 Product Eligibility

  • Min Age - 18. Additional Information: Applicant should be 18 years or over
  • Residency Status - Should Be An Australian Or New Zealand Citizen(s) Or Permanent Resident(s).

 Bank Fees and Charges

  • Establishment Fee (Upfront), Amount: 500.00.
  • Monthly Administration Fee (Periodic), Amount: 0.00.

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%
   
1.95%
1.99%
   
1.99%
2.01%
   
2.09%
2.05%
   
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