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Home loans.
Planning to buy, build or renovate? Whatever your property goals, we're here to help guide you through your journey.
Get cash back on your first home loan.
Apply for a new Westpac home loan of $250,000 or more for your first home and you could get $5,000 or more cash back, to help make your home greater.
How it works
- All applicants must be first home buyers as determined by Westpac.
- Available on new Westpac residential home loans of $250,000 or more.
- This limited offer may be withdrawn at any time without notice.
Talk to our experts to see whether a Westpac home loan is right for you.
Low deposit options to help you get into your first home sooner.
You don’t always need a 20% deposit to buy your first home. Explore our range of low deposit options to get closer to a home you can call your own.
What's your next move?
Your home loan options.
Whatever your needs are, we have home loan options to suit.
Featured rates.
1 Minimum 20% equity, plus salary credit to a Westpac transaction account. Not available with any other Westpac home loan offers, or promotions or package discounts. Loans for business or Investment purposes excluded.
Lending criteria, terms and conditions, apply to home loans.
For home loans with less than 20% equity, a low equity margin may apply, see low equity margins explained for more details on how this is applied.
Interest rates are subject to change without notice.
If you don’t pay amounts when they’re due, your home loan account may exceed its limit and the interest rate applied to the over limit amount will be your annual interest rate plus an additional 5% p.a.
Managing your home loan.
Calculators.
See all calculators
How much can I afford?
Get an idea of how much you could borrow using our affordability calculator.
How much will my repayments be?
Work out how much your home loan repayments might be.
Get in touch.
Meet with an expert
Our Home Loan Experts can come to you, when it suits you best.
Apply Online
Existing customers can apply for a home loan via Westpac One® online banking.
Things you should know.
Interest rates are subject to change without notice. Westpac's home loan lending criteria, terms and conditions apply. A low equity margin may apply.