Westpac home loan interest rates for owner-occupier principal & interest loans — 3 products, variable and fixed, with comparison rates, fees and current offers. Updated 2026-10-27.
| Loan | Variable | Fixed (duration) | Comparison | Fees | Special offers |
|---|---|---|---|---|---|
| Flexi First Option Home Loan auto-updated 2026-10-27 | 6.24% | — | 6.00% | No ongoing fees; offset not included | — |
| Premier Advantage Package (variable) with package discount, P&I | 6.34% | — | — | $395/yr; Premier Advantage annual fee $395; offset included | — |
| Fixed Rate Home Loan | — | 1yr 6.44%2yr 7.03%3yr 6.54%4yr 6.69%5yr 6.54% | — | $395/yr; Package fee applies for Premier Advantage fixed rates (6.93% 2yr with package) | — |
About Westpac
One of Australia's Big Four banks and the country's oldest bank (founded 1817); headquartered in Sydney.
- Website: www.westpac.com.au
- Contact: 132 558 (home loans, new or existing/refinancing); general enquiries 132 032
Current Westpac rates: lowest variable 6.24%, lowest fixed 6.44%.
Rate source: https://www.westpac.com.au/personal-banking/home-loans/all-interest-rates/.