https://www.westpac.com.au/personal-banking/home-loans/all-interest-rates/:<br>Home loan interest rates | Westpac     html{font-size:unset!important}label.input-addon-label{display:inline}body{margin:0;padding:0;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Oxygen,Ubuntu,Cantarell,'Fira Sans','Droid Sans','Helvetica Neue',sans-serif;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}      Skip to main content Skip to main navigation  Skip to access and inclusion page Skip to search input Toggle menu here Menu Contact us Locate us Lost or stolen cards Register Online Banking – Personal Online Banking – Business Corporate Online Westpac Share Trading WinTrade View all online services Westpac home page     Search  Go Sign in Online Banking - Personal Online Banking - Business Corporate Online Westpac Share Trading Westpac Margin Lending WinTrade View all online services Sign in          Sign in Sign in All Sign in Online Banking - Personal Online Banking - Business Corporate Online Home Home Personal Personal All Personal Bank accounts Home loans Credit cards Personal loans International &amp; Travel Insurance Superannuation Investments Share Trading Margin Lending Westpac Private Bank Services Westpac Online Banking Ways to pay Business Business All Business Bank accounts Savings accounts Credit cards Loans and finance EFTPOS &amp; eCommerce Insurance for Businesses FX &amp; International Commercial &amp; Industry Banking Rapid Response Business digital wallets Business setup help Tax Entity Classification Information Online Banking for Business Help for your business Current offers Business Term Deposit Transaction accounts Startup Business Hub Corporate Corporate All Corporate Sustainability for corporate and institutional Westpac IQ Corporate &amp; institutional Transaction banking Financial markets Corporate &amp; structured finance Trade &amp; supply chain finance Corporate Online About us About us All About us Indigenous Westpac Group Investor Centre Media centre Westpac Wire Careers Sustainability Our Foundations Global locations Innovation Diversity, Equity &amp; Inclusion Help Help All Help Financial hardship support Contact us Locate us Ways to bank Lost or stolen cards Frequently asked questions Life moments Community Indigenous &amp; Remote Banking Disaster help Security Master your money Making things right  Support with Tough Times Become a customer Telephone Banking Home loans Manage my loan Calculators Our loans and rates Refinance to Westpac Buy my first home Buy my next home Investment Property Loan &amp; Rates How to apply online Home ownership hub  Home loans Check interest rates Home loan interest rates Get a tailored snapshot of our home loan interest rates and compare home loan features.       You need to enable JavaScript to run this app.      A new loan An existing loan Rates for new owner occupier loans Our rates are based on your loan-to-value ratio (LVR+ The interest rates below are for new loans and are set based on your initial LVR &nbsp; &nbsp;    Rates for LVRs up to 70% Rates for LVRs above 70%–80% Rates for LVRs over 80% Rates for LVRs up to 70% You’ll get an extra 0.10% p.a. discount off our standard interest rate if you’re borrowing up to 70% of Westpac's property valuation, only available on new loans.&nbsp; Select a rate type:  Variable rate home loans (Principal &amp; Interest repayments) The below rates include our 0.10% p.a. discount for LVRs+ Flexi&nbsp;First&nbsp;Option Home Loan  Basic loan Variable rate Comparison rate* Discounted rate^  6.19% p.a. 6.20% p.a. Online Offer^  5.74% p.a. 5.75% p.a. Discounted rate  Online Offer Rocket&nbsp;Repay Home&nbsp;Loan  Optional offset Variable rate Comparison rate* Without Package 8.48% p.a. 8.62% p.a. With Package#  6.14%&nbsp;p.a. 6.52%&nbsp;p.a. Our Premier Advantage Package # &nbsp; With our&nbsp;variable rate home loans Your interest rate could change throughout the life of your loan You have the option to fix all or part of your loan anytime  You can make unlimited extra repayments. &nbsp; With&nbsp;Principal &amp; Interest&nbsp;repayments: You will be repaying both principal loan amount and the interest Your interest rate may be lower compared to Interest Only. Variable rate home loans (Interest Only repayments) The below rates include our 0.10% p.a. discount for LVRs+ Flexi&nbsp;First&nbsp;Option Home Loan  Basic loan Variable rate Comparison rate* Discounted rate^  7.89% p.a. 6.95% p.a. Online Offer^  6.43% p.a. 5.75% p.a. Discounted rate Online Offer Rocket&nbsp;Repay Home&nbsp;Loan  Optional offset Variable rate Comparison rate* Without Package 9.07% p.a. 8.89% p.a. With Package#  6.73%&nbsp;p.a. 6.75%&nbsp;p.a. Our Premier Advantage Package # &nbsp; With our&nbsp;variable rate home loans Your interest rate could change throughout the life of your loan You have the option to fix all or part of your loan anytime  You can make unlimited extra repayments. &nbsp; By repaying&nbsp;Interest Only&nbsp;during a&nbsp;1-5 year&nbsp;term: Your&nbsp;repayments will be lower&nbsp;(and then&nbsp;increase&nbsp;at the end of your&nbsp;Interest Only term,&nbsp;as&nbsp;your&nbsp;loan balance needs&nbsp;to be paid back in a shorter timeframe) Your&nbsp;interest rate may be higher&nbsp;for a set period compared to Principal &amp; Interest. &nbsp; Fixed rate home loans (Principal &amp; Interest repayments) Our Premier Advantage Package # &nbsp;  + Fixed Options Home Loan 1&nbsp;year fixed term Fixed rate Comparison rate* Standard rate 6.69%&nbsp;p.a.&nbsp; 8.50%&nbsp;p.a. With Package#  LVR+  6.39% p.a. 6.54% p.a. 2 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.59%&nbsp;p.a. 8.29%&nbsp;p.a. With Package#  LVR+  6.29% p.a. 6.55% p.a. 3 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.79%&nbsp;p.a. 8.17%&nbsp;p.a. With Package#  LVR+  6.49% p.a. 6.62% p.a. 4 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.99%&nbsp;p.a. 8.10%&nbsp;p.a. With Package#  LVR+  6.69% p.a. 6.72% p.a. 5 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.99%&nbsp;p.a. 7.98%&nbsp;p.a. With Package#  LVR+  6.69% p.a. 6.76% p.a. With our&nbsp;fixed rate home loan   Lock in your rate and repayments for 1-5 years Make up to $30,000 in extra repayments in&nbsp;your&nbsp;fixed&nbsp;term,&nbsp;before break costs apply1 Redraw, with no redraw fee or minimum amount Set up your loan so it’s&nbsp;split&nbsp;between fixed and variable &nbsp; With&nbsp;Principal &amp; Interest&nbsp;repayments: You will be repaying both principal loan amount and the interest Your interest rate may be lower compared to Interest Only. Fixed rate home loans (Interest Only repayments) Our Premier Advantage Package # &nbsp;  + &nbsp; Fixed Options Home Loan 1&nbsp;year fixed term Fixed rate Comparison rate* Standard rate 7.09%&nbsp;p.a. 8.55%&nbsp;p.a. With Package#  LVR+  6.79% p.a. 6.58% p.a. 2 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.99%&nbsp;p.a. 8.38%&nbsp;p.a. With Package#  LVR+  6.69% p.a. 6.62% p.a. 3 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.19%&nbsp;p.a. 8.29%&nbsp;p.a. With Package#  LVR+  6.89% p.a. 6.71% p.a. 4 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.39%&nbsp;p.a. 8.26%&nbsp;p.a. With Package#  LVR+  7.09% p.a. 6.84% p.a. 5 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.39%&nbsp;p.a. 8.17%&nbsp;p.a. With Package#  LVR+  7.09% p.a. 6.90% p.a. With our&nbsp;fixed rate home loan   Lock in your rate and repayments for 1-5 years Make up to $30,000 in extra repayments in&nbsp;your&nbsp;fixed&nbsp;term,&nbsp;before break costs apply1 Redraw, with no redraw fee or minimum amount Set up your loan so it’s&nbsp;split&nbsp;between fixed and variable &nbsp; By repaying&nbsp;Interest Only&nbsp;during a&nbsp;1-5 year&nbsp;term: Your&nbsp;repayments will be lower&nbsp;(and then&nbsp;increase&nbsp;at the end of your&nbsp;Interest Only term,&nbsp;as&nbsp;your&nbsp;loan balance needs&nbsp;to be paid back in a shorter timeframe) Your&nbsp;interest rate may be higher&nbsp;for a set period compared to Principal &amp; Interest. &nbsp; Rates for LVRs above 70%–80%  + Select a rate type: Variable rate home loans (Principal &amp; Interest repayments) Flexi&nbsp;First&nbsp;Option Home Loan  Basic loan Variable rate Comparison rate* Discounted rate^  6.29% p.a. 6.30% p.a. Online Offer^  5.84% p.a. 5.85% p.a. Discounted rate  Online Offer Rocket&nbsp;Repay Home&nbsp;Loan  Optional offset Variable rate Comparison rate* Without Package 8.58% p.a. 8.72% p.a. With Package#  6.24%&nbsp;p.a. 6.62%&nbsp;p.a. Our Premier Advantage Package # &nbsp; With our&nbsp;variable rate home loans Your interest rate could change throughout the life of your loan You have the option to fix all or part of your loan anytime  You can make unlimited extra repayments. &nbsp; With&nbsp;Principal &amp; Interest&nbsp;repayments: You will be repaying both principal loan amount and the interest Your interest rate may be lower compared to Interest Only. Variable rate home loans (Interest Only repayments) Flexi&nbsp;First&nbsp;Option Home Loan  Basic loan Variable rate Comparison rate* Discounted rate^  7.99% p.a. 7.05% p.a. Online Offer^  6.53% p.a. 5.85% p.a. Discounted rate Online Offer Rocket&nbsp;Repay Home&nbsp;Loan  Optional offset Variable rate Comparison rate* Without Package 9.17% p.a. 8.99% p.a. With Package#  6.83%&nbsp;p.a. 6.85%&nbsp;p.a. Our Premier Advantage Package # &nbsp; With our&nbsp;variable rate home loans Your interest rate could change throughout the life of your loan You have the option to fix all or part of your loan anytime  You can make unlimited extra repayments. &nbsp; By repaying&nbsp;Interest Only&nbsp;during a&nbsp;1-5 year&nbsp;term: Your&nbsp;repayments will be lower&nbsp;(and then&nbsp;increase&nbsp;at the end of your&nbsp;Interest Only term,&nbsp;as&nbsp;your&nbsp;loan balance needs&nbsp;to be paid back in a shorter timeframe) Your&nbsp;interest rate may be higher&nbsp;for a set period compared to Principal &amp; Interest. &nbsp; Fixed rate home loans (Principal &amp; Interest repayments) Our Premier Advantage Package # &nbsp; Fixed Options Home Loan 1&nbsp;year fixed term Fixed rate Comparison rate* Standard rate 6.69%&nbsp;p.a. 8.50%&nbsp;p.a. With Package#  6.49% p.a. 6.64% p.a. 2 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.59% p.a. 8.29% p.a. With Package#  6.39% p.a. 6.65% p.a. 3 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.79% p.a. 8.17% p.a. With Package#  6.59% p.a. 6.72% p.a. 4 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.99% p.a. 8.10% p.a. With Package#  6.79% p.a. 6.82% p.a. 5 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.99% p.a. 7.98% p.a. With Package#  6.79% p.a. 6.86% p.a. With our&nbsp;fixed rate home loan   Lock in your rate and repayments for 1-5 years Make up to $30,000 in extra repayments in&nbsp;your&nbsp;fixed&nbsp;term,&nbsp;before break costs apply1 Redraw, with no redraw fee or minimum amount Set up your loan so it’s&nbsp;split&nbsp;between fixed and variable &nbsp; With&nbsp;Principal &amp; Interest&nbsp;repayments: You will be repaying both principal loan amount and the interest Your interest rate may be lower compared to Interest Only. Fixed rate home loans (Interest Only repayments) Our Premier Advantage Package # &nbsp; Fixed Options Home Loan 1&nbsp;year fixed term Fixed rate Comparison rate* Standard rate 7.09%&nbsp;p.a. 8.55%&nbsp;p.a. With Package#  6.89% p.a. 6.68% p.a. 2 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.99% p.a. 8.38% p.a. With Package#  6.79% p.a. 6.71% p.a. 3 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.19% p.a. 8.29% p.a. With Package#  6.99% p.a. 6.81% p.a. 4 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.39% p.a. 8.26% p.a. With Package#  7.19% p.a. 6.94% p.a. 5 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.39% p.a. 8.17% p.a. With Package#  7.19% p.a. 7.00% p.a. With our&nbsp;fixed rate home loan   Lock in your rate and repayments for 1-5 years Make up to $30,000 in extra repayments in&nbsp;your&nbsp;fixed&nbsp;term,&nbsp;before break costs apply1 Redraw, with no redraw fee or minimum amount Set up your loan so it’s&nbsp;split&nbsp;between fixed and variable &nbsp; By repaying&nbsp;Interest Only&nbsp;during a&nbsp;1-5 year&nbsp;term: Your&nbsp;repayments will be lower&nbsp;(and then&nbsp;increase&nbsp;at the end of your&nbsp;Interest Only term,&nbsp;as&nbsp;your&nbsp;loan balance needs&nbsp;to be paid back in a shorter timeframe) Your&nbsp;interest rate may be higher&nbsp;for a set period compared to Principal &amp; Interest. &nbsp; Rates for LVRs over 80% There will be an additional&nbsp;0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation. This additional LVR+ Select a rate type: Variable rate home loans (Principal &amp; Interest repayments) The below rates include our additional 0.30% p.a. margin for LVRs+  &nbsp; Flexi&nbsp;First&nbsp;Option Home Loan  Basic loan Variable rate Comparison rate* Discounted rate^  6.59% p.a. 6.60% p.a Discounted rate  Rocket&nbsp;Repay Home&nbsp;Loan  Optional offset Variable rate Comparison rate* Without Package 8.88% p.a. 9.02% p.a. With Package#  6.54%&nbsp;p.a. 6.91%&nbsp;p.a. Our Premier Advantage Package # &nbsp; With our&nbsp;variable rate home loans Your interest rate could change throughout the life of your loan You have the option to fix all or part of your loan anytime  You can make unlimited extra repayments. &nbsp; With&nbsp;Principal &amp; Interest&nbsp;repayments: You will be repaying both principal loan amount and the interest Your interest rate may be lower compared to Interest Only. Fixed rate home loans (Principal &amp; Interest repayments) Our Premier Advantage Package # &nbsp; An additional 0.30% p.a. margin applies to our standard interest rate for all new loans with an LVR+ Fixed Options Home Loan 1&nbsp;year fixed term Fixed rate Comparison rate* Standard rate 6.69%&nbsp;p.a.&nbsp; 8.50%&nbsp;p.a. With Package# +  6.79% p.a. 6.94% p.a. 2 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.59%&nbsp;p.a. 8.29%&nbsp;p.a. With Package# +  6.69% p.a. 6.94% p.a. 3 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.79%&nbsp;p.a. 8.17%&nbsp;p.a. With Package# +  6.89% p.a. 7.01% p.a. 4 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.99%&nbsp;p.a. 8.10%&nbsp;p.a. With Package# +  7.09% p.a. 7.12% p.a. 5 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.99%&nbsp;p.a. 7.98%&nbsp;p.a. With Package# +  7.09% p.a. 7.16% p.a. With our&nbsp;fixed rate home loan   Lock in your rate and repayments for 1-5 years Make up to $30,000 in extra repayments in&nbsp;your&nbsp;fixed&nbsp;term,&nbsp;before break costs apply1 Redraw, with no redraw fee or minimum amount Set up your loan so it’s&nbsp;split&nbsp;between fixed and variable &nbsp; With&nbsp;Principal &amp; Interest&nbsp;repayments: You will be repaying both principal loan amount and the interest Your interest rate may be lower compared to Interest Only. Rates for new investment loans Our rates are based on your loan-to-value ratio (LVR+ The interest rates below are for new loans and are set based on your initial LVR  &nbsp; &nbsp;    Rates for LVRs up to 70% Rates for LVRs above 70%–80% Rates for LVRs over 80%  Rates for LVRs up to 70% You’ll get an extra 0.10% p.a. discount off our standard interest rate if you’re borrowing up to 70% of Westpac's property valuation, only available on new loans.&nbsp; Select a rate type:  Variable rate investment home loans (Principal &amp; Interest repayments) The below rates include our 0.10% p.a. discount for LVRs+ &nbsp; Flexi First Option Investment&nbsp;Property Loan Variable rate Comparison rate* Discounted rate^  6.49% p.a. 6.50% p.a. Online Offer^  5.89% p.a. 5.90% p.a. Discounted rate Online Offer &nbsp; Rocket Investment Loan  Variable rate Comparison rate* Without Package 9.03% p.a. 9.17% p.a. With Package#  6.34% p.a. 6.72% p.a. Our Premier Advantage Package # &nbsp; With our&nbsp;variable rate home loans Your interest rate could change throughout the life of your loan You have the option to fix all or part of your loan anytime  You can make unlimited extra repayments. &nbsp; With&nbsp;Principal &amp; Interest&nbsp;repayments: You will be repaying both principal loan amount and the interest Your interest rate may be lower compared to Interest Only. Variable rate  investment home loans (Interest Only repayments) The below rates include our 0.10% p.a. discount for LVRs+ &nbsp; Flexi&nbsp;First&nbsp;Option Investment Property Loan  Basic loan Variable rate Comparison rate* Discounted rate^  6.99% p.a. 6.85% p.a. Online Offer^  6.14% p.a. 5.91% p.a. Discounted rate Online Offer &nbsp; Rocket&nbsp;Investment Loan  Optional offset Variable rate Comparison rate* Without Package 9.29% p.a. 9.35% p.a. With Package#  6.60% p.a. 6.85% p.a. Our Premier Advantage Package # &nbsp; With our&nbsp;variable rate home loans Your interest rate could change throughout the life of your loan You have the option to fix all or part of your loan anytime  You can make unlimited extra repayments. &nbsp; By repaying&nbsp;Interest Only&nbsp;during a&nbsp;1-5 year&nbsp;term: Your&nbsp;repayments will be lower&nbsp;(and then&nbsp;increase&nbsp;at the end of your&nbsp;Interest Only term,&nbsp;as&nbsp;your&nbsp;loan balance needs&nbsp;to be paid back in a shorter timeframe) Your&nbsp;interest rate may be higher&nbsp;for a set period compared to Principal &amp; Interest. &nbsp; Fixed rate investment home loans (Principal &amp; Interest repayments) Our Premier Advantage Package # &nbsp;  + Fixed Rate Investment Property Loan 1&nbsp;year fixed term Fixed rate Comparison rate* Standard rate 6.84% p.a. 9.00% p.a. With Package#  LVR+  6.54% p.a. 6.74% p.a. 2 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.74% p.a. 8.75% p.a. With Package#  LVR+  6.44% p.a. 6.74% p.a. 3 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.94% p.a. 8.59% p.a. With Package#  LVR+  6.64% p.a. 6.80% p.a. 4 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.14% p.a. 8.49% p.a. With Package#  LVR+  6.84% p.a. 6.90% p.a. 5 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.14% p.a. 8.34% p.a. With Package#  LVR+  6.84% p.a. 6.94% p.a. With our&nbsp;fixed rate home loan   Lock in your rate and repayments for 1-5 years Make up to $30,000 in extra repayments in&nbsp;your&nbsp;fixed&nbsp;term,&nbsp;before break costs apply1 Redraw, with no redraw fee or minimum amount Set up your loan so it’s&nbsp;split&nbsp;between fixed and variable With&nbsp;Principal &amp; Interest&nbsp;repayments: You will be repaying both principal loan amount and the interest Your interest rate may be lower compared to Interest Only. Fixed rate investment home loans (Interest Only repayments) Our Premier Advantage Package # &nbsp;  + Fixed Rate Investment Property Loan 1&nbsp;year fixed term Fixed rate Comparison rate* Standard rate 6.94% p.a. 9.01% p.a. With Package#  LVR+  6.64% p.a. 6.74% p.a. 2 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.84% p.a. 8.77% p.a. With Package#  LVR+  6.54% p.a. 6.74% p.a. 3 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.04% p.a. 8.63% p.a. With Package#  LVR+  6.74% p.a. 6.81% p.a. 4 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.24% p.a. 8.53% p.a. With Package#  LVR+  6.94% p.a. 6.91% p.a. 5 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.24% p.a. 8.40% p.a. With Package#  LVR+  6.94% p.a. 6.95% p.a. &nbsp; With our&nbsp;fixed rate home loan   Lock in your rate and repayments for 1-5 years Make up to $30,000 in extra repayments in&nbsp;your&nbsp;fixed&nbsp;term,&nbsp;before break costs apply1 Redraw, with no redraw fee or minimum amount Set up your loan so it’s&nbsp;split&nbsp;between fixed and variable By repaying&nbsp;Interest Only&nbsp;during a&nbsp;1-5 year&nbsp;term: Your&nbsp;repayments will be lower&nbsp;(and then&nbsp;increase&nbsp;at the end of your&nbsp;Interest Only term,&nbsp;as&nbsp;your&nbsp;loan balance needs&nbsp;to be paid back in a shorter timeframe) Your&nbsp;interest rate may be higher&nbsp;for a set period compared to Principal &amp; Interest. &nbsp; Fixed rate investment home loans (Interest Only in Advance repayments) The below rates include a 0.20% p.a. discount for repaying Interest Only in Advance2 .  Our Premier Advantage Package # &nbsp;  + Fixed Rate Investment Property Loan 1&nbsp;year fixed term Fixed rate Comparison rate* Standard rate 6.74% 9.03% With Package#  LVR+  6.44% 6.75% 2 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.64% 8.80% With Package#  LVR+  6.34% 6.75% 3 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.84% 8.66% With Package#  LVR+  6.54% 6.83% 4 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.04% 8.58% With Package#  LVR+  6.74% 6.93% 5 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.04% 8.46% With Package#  LVR+  6.74% 6.97% &nbsp; With our&nbsp;fixed rate home loan   Lock in your rate and repayments for 1-5 years Make up to $30,000 in extra repayments in&nbsp;your&nbsp;fixed&nbsp;term,&nbsp;before break costs apply1 Redraw, with no redraw fee or minimum amount Set up your loan so it’s&nbsp;split&nbsp;between fixed and variable By repaying Interest Only in Advance during a 1-5 year term: Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies).&nbsp; By prepaying interest, you can conveniently consolidate interest repayments into one lump sum payment. You may be able to claim a tax deduction on prepaid interest in the year when you made a payment. We recommend that you consult your tax adviser to determine the tax consequences based on your individual circumstances.&nbsp; Rates for LVRs above 70%–80%  + Select a rate type:  Variable rate investment home loans (Principal &amp; Interest repayments) Flexi&nbsp;First&nbsp;Option Investment&nbsp;Property Loan  Basic loan Variable rate Comparison rate* Discounted rate^  6.59% p.a. 6.60% p.a Online Offer^  5.99% p.a. 6.00% p.a. Discounted rate Online Offer Rocket&nbsp;Investment Loan  Optional offset Variable rate Comparison rate* Without Package 9.13% p.a. 9.27% p.a. With Package#  6.44% p.a. 6.81% p.a. Our Premier Advantage Package # &nbsp; With our&nbsp;variable rate home loans Your interest rate could change throughout the life of your loan You have the option to fix all or part of your loan anytime  You can make unlimited extra repayments. &nbsp; With&nbsp;Principal &amp; Interest&nbsp;repayments: You will be repaying both principal loan amount and the interest Your interest rate may be lower compared to Interest Only. Variable rate investment home loans (Interest Only repayments) Flexi&nbsp;First&nbsp;Option Investment&nbsp;Property Loan  Basic loan Variable rate Comparison rate* Discounted rate^  7.09% p.a. 6.95% p.a Online Offer^  6.24% p.a. 6.01% p.a. Discounted rate Online Offer &nbsp; Rocket Investment Loan  Optional offset Variable rate Comparison rate* Without Package 9.39% p.a. 9.45% p.a. With Package#  6.70% p.a. 6.95% p.a. Our Premier Advantage Package # &nbsp; With our&nbsp;variable rate home loans Your interest rate could change throughout the life of your loan You have the option to fix all or part of your loan anytime  You can make unlimited extra repayments. &nbsp; By repaying&nbsp;Interest Only&nbsp;during a&nbsp;1-5 year&nbsp;term: Your&nbsp;repayments will be lower&nbsp;(and then&nbsp;increase&nbsp;at the end of your&nbsp;Interest Only term,&nbsp;as&nbsp;your&nbsp;loan balance needs&nbsp;to be paid back in a shorter timeframe) Your&nbsp;interest rate may be higher&nbsp;for a set period compared to Principal &amp; Interest. &nbsp; Fixed rate investment home loans (Principal &amp; Interest repayments) Our Premier Advantage Package # &nbsp; Fixed Rate Investment Property Loan &nbsp; 1&nbsp;year fixed term Fixed rate Comparison rate* Standard rate 6.84% p.a. 9.00% p.a. With Package#  6.64% p.a. 6.84% p.a. 2 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.74% p.a. 8.75% p.a. With Package#  6.54% p.a. 6.83% p.a. 3 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.94% p.a. 8.59% p.a. With Package#  6.74% p.a. 6.90% p.a. 4 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.14% p.a. 8.49% p.a. With Package#  6.94% p.a. 7.00% p.a. 5 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.14% p.a. 8.34% p.a. With Package#  6.94% p.a. 7.04% p.a. With our&nbsp;fixed rate home loan   Lock in your rate and repayments for 1-5 years Make up to $30,000 in extra repayments in&nbsp;your&nbsp;fixed&nbsp;term,&nbsp;before break costs apply1 Redraw, with no redraw fee or minimum amount Set up your loan so it’s&nbsp;split&nbsp;between fixed and variable With&nbsp;Principal &amp; Interest&nbsp;repayments: You will be repaying both principal loan amount and the interest Your interest rate may be lower compared to Interest Only. Fixed rate investment home loans (Interest Only repayments) Our Premier Advantage Package # &nbsp; Fixed Rate Investment Property Loan 1&nbsp;year fixed term Fixed rate Comparison rate* Standard rate 6.94% p.a. 9.01% p.a. With Package#  6.74% p.a. 6.84% p.a. 2 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.84% p.a. 8.77% p.a. With Package#  6.64% p.a. 6.84% p.a. 3 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.04% p.a. 8.63% p.a. With Package#  6.84% p.a. 6.91% p.a. 4 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.24% p.a. 8.53% p.a. With Package#  7.04% p.a. 7.01% p.a. 5 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.24% p.a. 8.40% p.a. With Package#  7.04% p.a. 7.05% p.a. With our&nbsp;fixed rate home loan   Lock in your rate and repayments for 1-5 years Make up to $30,000 in extra repayments in&nbsp;your&nbsp;fixed&nbsp;term,&nbsp;before break costs apply1 Redraw, with no redraw fee or minimum amount Set up your loan so it’s&nbsp;split&nbsp;between fixed and variable By repaying&nbsp;Interest Only&nbsp;during a&nbsp;1-5 year&nbsp;term: Your&nbsp;repayments will be lower&nbsp;(and then&nbsp;increase&nbsp;at the end of your&nbsp;Interest Only term,&nbsp;as&nbsp;your&nbsp;loan balance needs&nbsp;to be paid back in a shorter timeframe) Your&nbsp;interest rate may be higher&nbsp;for a set period compared to Principal &amp; Interest. &nbsp; Fixed rate investment home loans (Interest Only in Advance repayments) The below rates include a 0.20% p.a. discount for repaying Interest Only in Advance2 .  Our Premier Advantage Package # &nbsp; Fixed Rate Investment Property Loan 1&nbsp;year fixed term Fixed rate Comparison rate* Standard rate 6.74% 9.03% With Package#  6.54% 6.84% 2 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.64% 8.80% With Package#  6.44% 6.85% 3 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.84% 8.66% With Package#  6.64% 6.93% 4 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.04% 8.58% With Package#  6.84% 7.04% 5 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.04% 8.46% With Package#  6.84% 7.08% &nbsp; With our&nbsp;fixed rate home loan   Lock in your rate and repayments for 1-5 years Make up to $30,000 in extra repayments in&nbsp;your&nbsp;fixed&nbsp;term,&nbsp;before break costs apply1 Redraw, with no redraw fee or minimum amount Set up your loan so it’s&nbsp;split&nbsp;between fixed and variable By repaying Interest Only in Advance during a 1-5 year term: Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies).&nbsp; By prepaying interest, you can conveniently consolidate interest repayments into one lump sum payment. You may be able to claim a tax deduction on prepaid interest in the year when you made a payment. We recommend that you consult your tax adviser to determine the tax consequences based on your individual circumstances.&nbsp; Rates for LVRs over 80%  There will be an additional&nbsp;0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation. This additional LVR+ Select a rate type:  Variable rate investment home loans (Principal &amp; Interest repayments) The below rates include our additional 0.30% p.a. margin for LVRs+  &nbsp; Flexi First Option Investment&nbsp;Property Loan Variable rate Comparison rate* Discounted rate^  6.89% p.a. 6.90% p.a. Discounted rate Rocket Investment Loan  Variable rate Comparison rate* Without Package 9.43% p.a. 9.57% p.a. With Package#  6.74% p.a. 7.11% p.a. Our Premier Advantage Package # &nbsp; With our&nbsp;variable rate home loans Your interest rate could change throughout the life of your loan You have the option to fix all or part of your loan anytime  You can make unlimited extra repayments. &nbsp; With&nbsp;Principal &amp; Interest&nbsp;repayments: You will be repaying both principal loan amount and the interest Your interest rate may be lower compared to Interest Only. Variable rate investment home loans (Interest Only repayments) The below rates include our additional 0.30% p.a. margin for LVRs+  &nbsp; Flexi&nbsp;First&nbsp;Option Investment Property Loan  Basic loan Variable rate Comparison rate* Discounted rate^  7.39% p.a. 7.25% p.a Discounted rate Rocket&nbsp;Investment Loan  Optional offset Variable rate Comparison rate* Without Package 9.69% p.a. 9.75% p.a. With Package#  7.00% p.a. 7.25% p.a. Our Premier Advantage Package # &nbsp; With our&nbsp;variable rate home loans Your interest rate could change throughout the life of your loan You have the option to fix all or part of your loan anytime  You can make unlimited extra repayments. &nbsp; By repaying&nbsp;Interest Only&nbsp;during a&nbsp;1-5 year&nbsp;term: Your&nbsp;repayments will be lower&nbsp;(and then&nbsp;increase&nbsp;at the end of your&nbsp;Interest Only term,&nbsp;as&nbsp;your&nbsp;loan balance needs&nbsp;to be paid back in a shorter timeframe) Your&nbsp;interest rate may be higher&nbsp;for a set period compared to Principal &amp; Interest. &nbsp; Fixed rate investment home loans (Principal &amp; Interest repayments) Our Premier Advantage Package # An additional 0.30% p.a. margin applies to our standard interest rate for all new loans with an LVR+ Fixed Rate Investment Property Loan 1&nbsp;year fixed term Fixed rate Comparison rate* Standard rate 6.84% p.a. 9.00% p.a. With Package# +  6.94% p.a. 7.13% p.a. 2 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.74% p.a. 8.75% p.a. With Package# +  6.84% p.a. 7.13% p.a. 3 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.94% p.a. 8.59% p.a. With Package# +  7.04% p.a. 7.20% p.a. 4 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.14% p.a. 8.49% p.a. With Package# +  7.24% p.a. 7.30% p.a. 5 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.14% p.a. 8.34% p.a. With Package# +  7.24% p.a. 7.34% p.a. With our&nbsp;fixed rate home loan   Lock in your rate and repayments for 1-5 years Make up to $30,000 in extra repayments in&nbsp;your&nbsp;fixed&nbsp;term,&nbsp;before break costs apply1 Redraw, with no redraw fee or minimum amount Set up your loan so it’s&nbsp;split&nbsp;between fixed and variable With&nbsp;Principal &amp; Interest&nbsp;repayments: You will be repaying both principal loan amount and the interest Your interest rate may be lower compared to Interest Only. Fixed rate investment home loans (Interest Only repayments) Our Premier Advantage Package # An additional 0.30% p.a. margin applies to our standard interest rate for all new loans with an LVR+ Fixed Rate Investment Property Loan 1&nbsp;year fixed term Fixed rate Comparison rate* Standard rate 6.94% p.a. 9.01% p.a. With Package# +  7.04% p.a. 7.14% p.a. 2 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.84% p.a. 8.77% p.a. With Package# +  6.94% p.a. 7.14% p.a. 3 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.04% p.a. 8.63% p.a. With Package# +  7.14% p.a. 7.21% p.a. 4 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.24% p.a. 8.53% p.a. With Package# +  7.34% p.a. 7.31% p.a. 5 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.24% p.a. 8.40% p.a. With Package# +  7.34% p.a. 7.35% p.a. &nbsp; With our&nbsp;fixed rate home loan   Lock in your rate and repayments for 1-5 years Make up to $30,000 in extra repayments in&nbsp;your&nbsp;fixed&nbsp;term,&nbsp;before break costs apply1 Redraw, with no redraw fee or minimum amount Set up your loan so it’s&nbsp;split&nbsp;between fixed and variable By repaying&nbsp;Interest Only&nbsp;during a&nbsp;1-5 year&nbsp;term: Your&nbsp;repayments will be lower&nbsp;(and then&nbsp;increase&nbsp;at the end of your&nbsp;Interest Only term,&nbsp;as&nbsp;your&nbsp;loan balance needs&nbsp;to be paid back in a shorter timeframe) Your&nbsp;interest rate may be higher&nbsp;for a set period compared to Principal &amp; Interest. &nbsp; Fixed rate investment home loans (Interest Only in Advance repayments) The below rates include a 0.20% p.a. discount for repaying Interest Only in Advance2 . &nbsp; Our Premier Advantage Package # &nbsp; An additional 0.30% p.a. margin applies to our standard interest rate for all new loans with an LVR+ Fixed Rate Investment Property Loan 1&nbsp;year fixed term Fixed rate Comparison rate* Standard rate 6.74% 9.03% With Package# +  6.84% 7.14% 2 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.64% 8.80% With Package# +  6.74% 7.15% 3 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.84% 8.66% With Package# +  6.94% 7.23% 4 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.04% 8.58% With Package# +  7.14% 7.34% 5 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.04% 8.46% With Package# +  7.14% 7.39% &nbsp; With our&nbsp;fixed rate home loan   Lock in your rate and repayments for 1-5 years Make up to $30,000 in extra repayments in&nbsp;your&nbsp;fixed&nbsp;term,&nbsp;before break costs apply1 Redraw, with no redraw fee or minimum amount Set up your loan so it’s&nbsp;split&nbsp;between fixed and variable By repaying Interest Only in Advance during a 1-5 year term: Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies).&nbsp; By prepaying interest, you can conveniently consolidate interest repayments into one lump sum payment. You may be able to claim a tax deduction on prepaid interest in the year when you made a payment. We recommend that you consult your tax adviser to determine the tax consequences based on your individual circumstances.&nbsp; Sign in to see your personalised rate Our standard home loan rates below might be different to your actual rate. To check yours – or to see what your rate would be if you switched from variable to fixed – sign in Check your current rate: On desktop: Click on your loan &gt; Click Account details On iOS: Tap your loan &gt; Tap i On Android and older iOS versions: Tap your loan &gt; Go to the Details   &nbsp; See your fixed rate offers: Go into your loan, then:  On desktop: Select&nbsp;Switch to a fixed rate home loan&nbsp; On iOS:  Home loan settings&nbsp;&gt;&nbsp; Switch to a fixed rate&nbsp; On Android and older iOS version:&nbsp;Go to the&nbsp;Services&nbsp; Switch to a fixed rate home loan  Then select&nbsp;Let's get started  &nbsp; Sign in to view your rates  Rates for existing owner occupier loans Select a rate type:  Variable rate home loans (Principal &amp; Interest repayments) Below are the reference rates for Owner Occupied Home Loans The reference rate is your variable interest rate before any&nbsp;discount or margin. To find out your reference rate, please refer to your loan contract or contact us on 132 558  &nbsp; Term Variable rate Comparison rate* Flexi First Rate 7.93% p.a. 7.94% p.a. Variable Housing Rate  8.58% p.a. 8.72% p.a. Rocket Variable Rate 8.58% p.a. 8.72% p.a. Variable rate home loans (Interest Only repayments) Below are the reference rates for Owner Occupied Home Loans The reference rate is your variable interest rate before any&nbsp;discount or margin. To find out your reference rate, please refer to your loan contract or contact us on 132 558  &nbsp; Term Interest rate Comparison rate* &nbsp; Flexi First Interest Only Rate 8.52% p.a. 8.21% p.a. &nbsp; Variable Interest Only Housing Rate 9.17% p.a. 8.99% p.a. &nbsp; Rocket Interest Only Rate 9.17% p.a. 8.99% p.a. &nbsp; Equity Access – Plan 2 Rate (Product not available for applications from 30th Sept 2021)   9.96% p.a. N/A &nbsp; Fixed rate home loans (Principal &amp; Interest repayments) Below are the fixed interest rates available to fix or re-fix existing loans.&nbsp; Our Premier Advantage Package # &nbsp; Note that a&nbsp;discount or margin may apply - please refer to your loan contract or call&nbsp;132 558 .  &nbsp; 1&nbsp;year fixed term Fixed rate Comparison rate* Standard rate 6.69%&nbsp;p.a. 8.50%&nbsp;p.a. With Package#  6.49% p.a. 6.64% p.a. 2 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.59%&nbsp;p.a. 8.29%&nbsp;p.a. With Package#  6.39% p.a. 6.65% p.a. 3 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.79%&nbsp;p.a. 8.17%&nbsp;p.a. With Package#  6.59% p.a. 6.72% p.a. 4 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.99%&nbsp;p.a. 8.10%&nbsp;p.a. With Package#  6.79% p.a. 6.82% p.a. 5 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.99%&nbsp;p.a. 7.98%&nbsp;p.a. With Package#  6.79% p.a. 6.86% p.a. Learn more about our Fixed Options Home Loan  &nbsp; Fixed rate home loans (Interest Only repayments) Below are the fixed interest rates available to fix or re-fix existing loans.&nbsp; Our Premier Advantage Package # &nbsp; Note that a&nbsp;discount or margin may apply - please refer to your loan contract or call&nbsp;132 558 &nbsp; 1&nbsp;year fixed term Fixed rate Comparison rate* Standard rate 7.09%&nbsp;p.a. 8.55%&nbsp;p.a. With Package#  6.89% p.a. 6.68% p.a. 2 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.99%&nbsp;p.a. 8.38%&nbsp;p.a. With Package#  6.79% p.a. 6.71% p.a. 3 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.19%&nbsp;p.a. 8.29%&nbsp;p.a. With Package#  6.99% p.a. 6.81% p.a. 4 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.39%&nbsp;p.a. 8.26%&nbsp;p.a. With Package#  7.19% p.a. 6.94% p.a. 5 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.39%&nbsp;p.a. 8.17%&nbsp;p.a. With Package#  7.19% p.a. 7.00% p.a. Learn more about our Fixed Options Home Loan  &nbsp; Rates for existing investor loans Select a rate type:  Variable rate home loans (Principal &amp; Interest repayments) Below are the reference rates for Investment Property Loans The reference rate is your variable interest rate before any&nbsp;discount or margin. To find out your reference rate, please refer to your loan contract or contact us on 132 558  &nbsp; Term Variable rate Comparison rate* Flexi First Investment Rate 8.48% p.a. 8.49% p.a. Investment Property Plan 2 Rate 9.13% p.a. 9.27% p.a. Rocket Investment Rate 9.13% p.a. 9.27% p.a. SMSF Investment Rate 9.13% p.a. 9.34% p.a. Variable rate home loans (Interest Only repayments) Below are the reference rates for Investment Property Loans The reference rate is your variable interest rate before any&nbsp;discount or margin. To find out your reference rate, please refer to your loan contract or contact us on 132 558  &nbsp; Term Variable rate Comparison rate* Flexi First Interest Only Invest Rate 8.74% p.a. 8.68% p.a. Variable Interest Only Invest Rate 9.39% p.a. 9.45% p.a. Rocket Interest Only Invest Rate 9.39% p.a. 9.45% p.a. SMSF Interest Only Investment Rate 9.39% p.a. 9.51% p.a. Fixed rate home loans (Principal &amp; Interest repayments) Below are the fixed interest rates available to fix or re-fix existing loans.&nbsp; Our Premier Advantage Package # &nbsp; Note that a&nbsp;discount or margin may apply - please refer to your loan contract or call&nbsp;132 558 &nbsp; 1&nbsp;year fixed term Fixed rate Comparison rate* Standard rate 6.84% p.a. 9.00% p.a. With Package#  6.64% p.a. 6.84% p.a. 2 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.74% p.a. 8.75% p.a. With Package#  6.54% p.a. 6.83% p.a. 3 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.94% p.a. 8.59% p.a. With Package#  6.74% p.a. 6.90% p.a. 4 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.14% p.a. 8.49% p.a. With Package#  6.94% p.a. 7.00% p.a. 5 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.14% p.a. 8.34% p.a. With Package#  6.94% p.a. 7.04% p.a. Learn more about our Fixed Rate Investment Property Loan  &nbsp; Fixed rate home loans (Interest Only repayments) Below are the fixed interest rates available to fix or re-fix existing loans.&nbsp; Our Premier Advantage Package # &nbsp; Note that a&nbsp;discount or margin may apply - please refer to your loan contract or call&nbsp;132 558 &nbsp; 1&nbsp;year fixed term Fixed rate Comparison rate* Standard rate 6.94% p.a. 9.01% p.a. With Package#  6.74% p.a. 6.84% p.a. 2 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.84% p.a. 8.77% p.a. With Package#  6.64% p.a. 6.84% p.a. 3 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.04% p.a. 8.63% p.a. With Package#  6.84% p.a. 6.91% p.a. 4 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.24% p.a. 8.53% p.a. With Package#  7.04% p.a. 7.01% p.a. 5 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.24% p.a. 8.40% p.a. With Package#  7.04% p.a. 7.05% p.a. Learn more about our Fixed Rate Investment Property Loan  &nbsp; Fixed rate home loans (Interest Only in Advance repayments) Below are the fixed interest rates available to fix or re-fix existing loans, and include a 0.20% p.a. discount for repaying Interest Only in Advance2 Our Premier Advantage Package # &nbsp; Note that a&nbsp;discount or margin may apply - please refer to your loan contract or call&nbsp;132 558 &nbsp; 1&nbsp;year fixed term Fixed rate Comparison rate* Standard rate 6.74% 9.03% With Package#  6.54% 6.84% 2 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.64% 8.8% With Package#  6.44% 6.85% 3 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 6.84% 8.66% With Package#  6.64% 6.93% 4 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.04% 8.58% With Package#  6.84% 7.04% 5 year fixed&nbsp;term  Fixed rate Comparison rate* Standard rate 7.04% 8.46% With Package#  6.84% 7.08% Learn more about our Fixed Rate Investment Property Loan  &nbsp; Check out our online rate discount on our basic variable home loan or investment loan. Apply online, and select a Flexi First Option loan on Principal &amp; Interest repayments. Eligibility, T&amp;Cs apply.  Basic variable home loan Online Offer Extra options for your home loan Split your loan Split your home loan balance into a separate fixed rate account and variable rate account to get the best of both worlds. &nbsp; Find out more Package &amp; save Package your loan for a special home loan rate discount, no credit card annual fee (for the life of your package), and around $9K saving‡ # &nbsp; Find out more Consider a construction option &nbsp; Find out more An extra loan for sustainable upgrades You could make energy-efficient and climate-resilient upgrades to your home, with a cool 4.24% p.a. variable rate (4.24% p.a. comparison rate4 &nbsp; Find out more Add an offset account Find out more  Split loan tip #3  Shift up to $30k in extra repayments between your split variable and fixed accounts. Pay less interest by simply moving these extra funds into whichever loan has the higher interest rate (a break cost1   Applying is simple, get started online 1. Apply for your home loan now Apply in around 10-20 mins, or save and come back later. Tell us about you and see how much you could borrow. And don't worry, we'll let you know before the credit check. Need help? You can live chat with us to help you complete the application. 2. Fast approval You could get unconditional refinance approval the same day you apply. Or conditional approval within 1 business day to help you confidently bid or make an offer for up to 90 days.&nbsp; 3.&nbsp;Discuss your rate and features with a lender A dedicated lender 4. On to settlement Your lender will finalise your loan through to settlement. Accept our loan offer, and that’s it. &nbsp;     Already started an application? Retrieve your application &nbsp; You may also like Buying your first home Buying your next home Investing in property Managing your existing loan Calculators and tools Calculate your repayments See how&nbsp;much you could borrow? Rate change calculator All calculators View all rates  Save time, apply online Apply in around 10-20 mins to buy a home or refinance to Westpac.    Talk with us 132 558 Or find your nearest branch Suburb / postcode    Book an appointment Pick a time and place that suits you to talk to a home loan specialist.    Things you should know  This information is general in nature and has been prepared without taking your personal objectives, circumstances and needs into account. You should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice. Any tax information described is general in nature and it is not tax advice or a guide to tax laws. We recommend you seek independent, professional tax advice applicable to your personal circumstances. Key Fact Sheet for Home Loans **For sale products only ^ Life-of-loan discount is available for new Owner Occupier and Investment Property loans. This includes both Principal &amp; Interest and Interest Only repayments. Offer does not apply to product switches. Interest rates are subject to change. Offer may be varied or withdrawn at any time.  Online Offer  ^^ Fixed Rate - Lock-In interest rate home loan interest rate If at any time before the end of a fixed rate period you switch to another product, interest rate (fixed or variable) or repayment type, then a break cost may apply.  If at any time before the end of a fixed rate period you switch to another product, interest rate (fixed or variable) or repayment type, then a break cost may apply.&nbsp; * The comparison rate is based on a loan of $150,000 over the term of 25 years.&nbsp;WARNING:  + LVR&nbsp; loan-to-value ratio Home loan rates # &nbsp;Conditions of Use and $395 annual package fee applies. You must either hold or be approved for a Westpac Choice transaction account in order to qualify and continue to receive the benefits of the Premier Advantage Package. Applicants must have a Westpac Choice transaction account linked to the home loan at the time of settlement and must keep this account open for 60 days after settlement. Before deciding to acquire a Westpac Choice account, read the&nbsp;terms and conditions   ‡ This is an estimate of potential savings; actual savings may differ depending on your situation. Estimated savings amount calculated on a $400,000 home loan receiving 2.34% p.a. discount on a packaged Rocket Repay owner occupier variable rate home loan compared to an unpackaged Rocket Repay variable rate home loan. Premier Advantage Package Conditions of Use $395 annual package fee applies.  The output or result of this calculator:&nbsp; Is subject to the assumptions, which are subject to change.&nbsp; Is prepared without knowing your personal financial circumstances. Before you act on the output of this calculator, please consider if it’s right for you. If you need more information, please call 132 558 Doesn’t represent a quote or pre-qualification for a loan.&nbsp; Might not be taken into account if you apply for a loan with us, as we’ll make our own calculations. When assessing ability to service a loan, Westpac may use an interest rate that’s higher than the current interest rate for the loan you’ve requested.&nbsp;  The interest rates used in the calculator:&nbsp; Are current, as shown on our home loan interest rate pages&nbsp; Are Westpac's standard interest rates, and include any package or promotional discounts&nbsp;&nbsp; Are subject to change. &nbsp; 1 : customers can make total prepayments of up to $30,000 (cumulative) for fixed loans, without costs or fees applying. You may incur a&nbsp;break cost interest rate &nbsp; 2 &nbsp;Interest must be paid in advance for each chosen fixed rate term to receive this rate. A minimum period of 3 months applies, up to a maximum of 12 months. If after the first year of a fixed rate term interest is no longer paid in advance, the Interest Only in Advance discount will be removed for subsequent years. Interest Only in Advance interest rates are available on Fixed Rate Investment Property Loans with fixed rate terms of 1, 2, 3, 4 or 5 years. Interest Only in Advance interest rates and discounts apply to new Fixed Rate Investment Property Loan and loans which have been switched into Interest Only in Advance products. Existing fixed loans are not eligible unless the loan is re-fixed. Interest Only in Advance discounts are subject to change. Subject to Bank's approval. Normal lending criteria apply. Other conditions,&nbsp;fees and charges apply. &nbsp; 3 &nbsp;if you have 'available funds' (you've made extra home loan repayments) and you've activated your&nbsp;redraw   &nbsp; 4  The comparison rate is based on a loan of $30,000 over the term of 5 years. WARNING: &nbsp; By visiting our website, you acknowledge that we may collect information about your visit to help make your experience better and improve our services. If you are an existing Westpac customer, we may contact you with relevant updates, offers, or information that may be of interest. If you prefer not to be contacted, you can opt out at any time by following the instructions provided in our communications or by updating your preferences.  Complaints and compliments Contact us Careers Access and Inclusion Investor centre Westpac Group Security FAQs Privacy Website terms and conditions Terms and conditions Site index Modern Slavery Statement  Westpac Facebook Twitter YouTube Linkedin Instagram  For Westpac issued products, conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions Target Market Determinations  _satellite.pageBottom();  <br><br>https://www.nab.com.au/personal/interest-rates-fees-and-charges/home-loan-interest-rates:<br>Home loan interest rates | Fixed and variable interest rates - NAB                                                                                                                                                                                                                            Home loan interest rates | Fixed and variable interest rates - NAB Skip to login Skip to main content Skip to chat Search Search nab.com.au Search nab.com.au Personal  Business  Corporate  About us  Help and support  Latest offers Personal Business    Main menu Personal Personal home Bank accounts Bank accounts Transaction accounts Savings accounts Visa Debit cards Term Deposit Joint bank accounts  Our NAB Classic Banking account no monthly account fee   Open an account online Open a bank account for a child Help me choose a bank account Home loans Home loans Basic variable rate Tailored variable rate with offset Tailored fixed rate  What will my repayments be? 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Talk to an expert  Understanding our rates The interest rates shown on this page are NAB’s current fixed and variable home loan interest rates for new loans owner occupiers Owner occupier An owner-occupier owns the home they live in which is used as their primary residence. They don’t rent out the home or use it for investment purposes.    If you already have a NAB home loan, please reach out to us directly by booking an appointment 13 22 65 Our interest rates are NAB’s advertised indicator rates plus or minus any margins. Also see the current indicator rates (PDF, 41KB)   a home loan expert uses to calculate our current interest rates. See our full list of home loan rates  Your interest rate will vary depending on a variety of factors. Choose from the options below to view the rates suitable to your situation. Remember to consider your loan to value ratio (LVR) Fixed interest rates applicable to you are determined on the drawdown date of your loan and may change prior to settlement unless Rate Lock is applied. Fees and eligibility criteria apply. Read more about Rate Lock  Variable rate Owner occupier Principal and interest Variable home loan interest rates For more information on comparison rates please refer to our important information below. NAB Base Variable Rate Home Loan Table of interest rates for different home loan types of a NAB Base Variable Rate Home Loan.   *  *   Principal and interest 6.19% p.a. 6.19% p.a.   Learn more about the NAB Base Variable Rate Home Loan * *  NAB Tailored Home Loan (Variable, Owner Occupier, Principal and Interest) Loan to Value Ratio (LVR) *  *  60% or less 6.54% p.a. 6.63% p.a. 60.01% - 70% 6.54% p.a. 6.63% p.a. 70.01% - 80% 6.74% p.a. 6.82% p.a. 80.01% or more 6.74% p.a. 6.82% p.a.  Learn more about the variable rate with offset NAB Tailored Home Loan *  Table of interest rates for different home loan amounts with a NAB Choice Package – Principal and Interest.   *  *   Loan amount of less than $250,000 *   7.92% p.a.  *   8.27% p.a.   Loan amount of between $250,000 and $749,000 *   7.67% p.a.  *   8.02% p.a.   Loan amount of $750,000 and above *   7.62% p.a.  *   7.97% p.a.    Learn more about the NAB Choice Package – Principal and Interest Interest only Variable home loan interest rates For more information on comparison rates please refer to our important information below. NAB Base Variable Rate Home Loan – Interest Only Table of interest rates for different home loan types of a NAB Base Variable Rate Home Loan.   *  *   *  *   7.09% p.a.  *   6.58% p.a.   Learn more about the NAB Base Variable Rate Home Loan * *  NAB Tailored Home Loan (Variable, Owner Occupier, Interest Only) Loan to Value Ratio (LVR) *  *  60% or less 7.01% p.a. 6.82% p.a. 60.01% - 70% 7.01% p.a. 6.82% p.a. 70.01% - 80% 7.21% p.a. 7.02% p.a. 80.01% or more 7.21% p.a. 7.02% p.a.  Learn more about the variable rate with offset NAB Tailored Home Loan *  Table of interest rates for different home loan amounts with a NAB Choice Package – Interest Only.   *  *   Loan amount of less than $250,000 *   8.49% p.a.  *   8.51% p.a.   Loan amount of between $250,000 and $749,000 *   8.24% p.a.  *   8.26% p.a.   Loan amount of $750,000 and above *   8.19% p.a.  *   8.21% p.a.    Learn more about the NAB Choice Package – Interest Only  Residential investor Principal and interest Variable home loan interest rates For more information on comparison rates please refer to our important information below. NAB Base Variable Rate Home Loan – Residential Investment Table of interest rates for different home loan types of a NAB Base Variable Rate Home Loan – Residential Investment.   *  *   Principal and interest 6.71% p.a. 6.71% p.a.  Learn more about the NAB Base Variable Rate Home Loan * *  NAB Tailored Home Loan (Variable, Residential Investor, Principal and Interest) Loan to Value Ratio (LVR) *  *  60% or less 6.84% p.a. 6.92% p.a. 60.01% - 70% 6.84% p.a. 6.92% p.a. 70.01% - 80% 7.04% p.a. 7.12% p.a. 80.01% or more 7.04% p.a. 7.12% p.a.  Learn more about the variable rate with offset NAB Tailored Home Loan *  Table of interest rates for different home loan amounts with a NAB Choice Package – Principal and Interest ---Residential Investors.   *  *   Loan amount of less than $250,000  *   8.52% p.a.  *   8.86% p.a.   Loan amount of between $250,000 and $749,000 *   8.27% p.a.  *   8.61% p.a.   Loan amount of $750,000 and above *   8.22% p.a.  *   8.56% p.a.    Learn more about the NAB Choice Package – Principal and Interest Interest only Variable home loan interest rates For more information on comparison rates please refer to our important information below. NAB Base Variable Rate Home Loan – Residential Investment – Interest Only Table of interest rates for different home loan types of a NAB Base Variable Rate Home Loan – Residential Investment.   *  *   *  7.42% p.a. 7.02% p.a.  Learn more about the NAB Base Variable Rate Home Loan * *  NAB Tailored Home Loan (Variable, Residential Investor, Interest Only) Loan to Value Ratio (LVR) *  *  60% or less 7.04% p.a. 7.01% p.a. 60.01% - 70% 7.04% p.a. 7.01% p.a. 70.01% - 80% 7.24% p.a. 7.21% p.a. 80.01% or more 7.24% p.a. 7.21% p.a.  Learn more about the variable rate with offset NAB Tailored Home Loan *    Table of interest rates for different home loan amounts with a NAB Choice Package – Interest Only – Residential Investment.   *  *   Loan amount of less than $250,000  *   8.82% p.a.  *   8.98% p.a.   Loan amount of between $250,000 and $749,000 *   8.57% p.a.  *   8.73% p.a.   Loan amount of $750,000 and above *   8.52% p.a.  *   8.68% p.a.    Learn more about the NAB Choice Package – Interest Only Fixed rate Owner occupier Principal and interest Fixed home loan interest rates For more information on comparison rates please refer to our important information below. * *  1-year fixed period 1-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.34% p.a. 6.60% p.a. 60.01% - 70% 6.34% p.a. 6.60% p.a. 70.01% - 80% 6.34% p.a. 6.78% p.a. 80.01% or more 6.44% p.a. 6.79% p.a.  2-year fixed period 2-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.39% p.a. 6.60% p.a. 60.01% - 70% 6.39% p.a. 6.60% p.a. 70.01% - 80% 6.39% p.a. 6.75% p.a. 80.01% or more 6.49% p.a. 6.77% p.a.  3-year fixed period 3-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.49% p.a. 6.61% p.a. 60.01% - 70% 6.49% p.a. 6.61% p.a. 70.01% - 80% 6.49% p.a. 6.75% p.a. 80.01% or more 6.59% p.a. 6.78% p.a.  4-year fixed period 4-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.49% p.a. 6.61% p.a. 60.01% - 70% 6.49% p.a. 6.61% p.a. 70.01% - 80% 6.49% p.a. 6.73% p.a. 80.01% or more 6.59% p.a. 6.77% p.a.  5-year fixed period 5-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.49% p.a. 6.60% p.a. 60.01% - 70% 6.49% p.a. 6.60% p.a. 70.01% - 80% 6.49% p.a. 6.71% p.a. 80.01% or more 6.59% p.a. 6.76% p.a.  Learn more about the fixed rate NAB Tailored Home Loan *  Table of fixed interest rates for our NAB Choice Package – Principal and Interest.   *  *   1-year period *  6.34% p.a.  *  8.09% p.a.  2-year period *  6.39% p.a.  *  7.94% p.a.  3-year period *  6.49% p.a.  *  7.84% p.a.  4-year period *  6.49% p.a.  *  7.72% p.a.  5-year period *  6.49% p.a.  *  7.62% p.a.   Learn more about the NAB Choice Package – Principal and Interest Interest only Fixed home loan interest rates For more information on comparison rates please refer to our important information below. * *  1-year fixed period 1-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.59% p.a. 6.78% p.a. 60.01% - 70% 6.59% p.a. 6.78% p.a. 70.01% - 80% 6.59% p.a. 6.96% p.a. 80.01% or more 6.69% p.a. 6.97% p.a.  2-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.64% p.a. 6.75% p.a. 60.01% - 70% 6.64% p.a. 6.75% p.a. 70.01% - 80% 6.64% p.a. 6.91% p.a. 80.01% or more 6.74% p.a. 6.93% p.a.  3-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.79% p.a. 6.76% p.a. 60.01% - 70% 6.79% p.a. 6.76% p.a. 70.01% - 80% 6.79% p.a. 6.91% p.a. 80.01% or more 6.89% p.a. 6.93% p.a.  4-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.79% p.a. 6.74% p.a. 60.01% - 70% 6.79% p.a. 6.74% p.a. 70.01% - 80% 6.79% p.a. 6.87% p.a. 80.01% or more 6.89% p.a. 6.91% p.a.  5-year fixed period 5-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.79% p.a. 6.73% p.a. 60.01% - 70% 6.79% p.a. 6.73% p.a. 70.01% - 80% 6.79% p.a. 6.84% p.a. 80.01% or more 6.89% p.a. 6.88% p.a.  Learn more about the fixed rate NAB Tailored Home Loan * *  1-year fixed period 1-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.49% p.a. 6.80% p.a. 60.01% - 70% 6.49% p.a. 6.80% p.a. 70.01% - 80% 6.49% p.a. 6.98% p.a. 80.01% or more 6.59% p.a. 6.99% p.a.  2-year fixed period 2-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.54% p.a. 6.78% p.a. 60.01% - 70% 6.54% p.a. 6.78% p.a. 70.01% - 80% 6.54% p.a. 6.94% p.a. 80.01% or more 6.64% p.a. 6.96% p.a.  3-year fixed period 3-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.69% p.a. 6.80% p.a. 60.01% - 70% 6.69% p.a. 6.80% p.a. 70.01% - 80% 6.69% p.a. 6.95% p.a. 80.01% or more 6.79% p.a. 6.98% p.a.  4-year fixed period 4-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.69% p.a. 6.80% p.a. 60.01% - 70% 6.69% p.a. 6.80% p.a. 70.01% - 80% 6.69% p.a. 6.93% p.a. 80.01% or more 6.79% p.a. 6.97% p.a.  5-year fixed period 5-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.69% p.a. 6.79% p.a. 60.01% - 70% 6.69% p.a. 6.79% p.a. 70.01% - 80% 6.69% p.a. 6.91% p.a. 80.01% or more 6.79% p.a. 6.95% p.a.  Learn more about the fixed rate NAB Tailored Home Loan *  Table of fixed interest rates for our NAB Choice Package – Interest Only in Arrears.   *  *   1-year period *  6.59% p.a.  *  8.30% p.a.  2-year period *  6.64% p.a.  *  8.13% p.a.  3-year period *  6.79% p.a.  *  8.01% p.a.  4-year period *  6.79% p.a.  *  7.87% p.a.  5-year period *  6.79% p.a.  *  7.74% p.a.   Learn more about the NAB Choice Package – Interest Only in Arrears *  Table of fixed interest rates for our NAB Choice Package – Interest Only in Advance.   *  *   1-year period *  6.49% p.a.  *  8.32% p.a.  2-year period *  6.54% p.a.  *  8.17% p.a.  3-year period *  6.69% p.a.  *  8.06% p.a.  4-year period *  6.69% p.a.  *  7.94% p.a.  5-year period *  6.69% p.a.  *  7.82% p.a.   Learn more about the NAB Choice Package – Interest Only in Advance – Share Investment NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Arrears The fixed rates for a NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Arrears vary based on the length of the fixed rate period. This type of credit is no longer available to personal banking customers. Table of fixed interest rates for our NAB Portfolio Facility or NAB Private Portfolio Facility – Interest only in Arrears   *   1-year period *  6.64% p.a.  2-year period *  6.69% p.a.  3-year period *  6.84% p.a.  4-year period *  6.84% p.a.  5-year period *  6.84% p.a.   Learn more about the NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Arrears NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment The fixed rates for a NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment vary based on the length of the fixed rate period. This type of credit is no longer available to personal banking customers. Table of fixed interest rates for our NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment.   *   1-year period *  6.54% p.a.  2-year period *  6.59% p.a.  3-year period *  6.74% p.a.  4-year period *  6.74% p.a.  5-year period *  6.74% p.a.   Learn more about the NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment Residential investor Principal and interest Fixed home loan interest rates For more information on comparison rates please refer to our important information below. * *  1-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.39% p.a. 6.88% p.a. 60.01% - 70% 6.39% p.a. 6.88% p.a. 70.01% - 80% 6.39% p.a. 7.05% p.a. 80.01% or more 6.49% p.a. 7.07% p.a.  2-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.44% p.a. 6.84% p.a. 60.01% - 70% 6.44% p.a. 6.84% p.a. 70.01% - 80% 6.44% p.a. 7.00% p.a. 80.01% or more 6.54% p.a. 7.02% p.a.  3-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.59% p.a. 6.85% p.a. 60.01% - 70% 6.59% p.a. 6.85% p.a. 70.01% - 80% 6.59% p.a. 6.99% p.a. 80.01% or more 6.69% p.a. 7.02% p.a.  4-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.59% p.a. 6.83% p.a. 60.01% - 70% 6.59% p.a. 6.83% p.a. 70.01% - 80% 6.59% p.a. 6.96% p.a. 80.01% or more 6.69% p.a. 6.99% p.a.  5-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.59% p.a. 6.81% p.a. 60.01% - 70% 6.59% p.a. 6.81% p.a. 70.01% - 80% 6.59% p.a. 6.92% p.a. 80.01% or more 6.69% p.a. 6.97% p.a.  Learn more about the fixed rate NAB Tailored Home Loan *  Table of interest rates for different home loans with a NAB Choice Package – Principal and Interest – Residential Investment.   *  *   1-year period *  6.39% p.a.  *  8.62% p.a.  2-year period *  6.44% p.a.  *  8.41% p.a.  3-year period *  6.59% p.a.  *  8.27% p.a.  4-year period *  6.59% p.a.  *  8.12% p.a.  5-year period *  6.59% p.a.  *  7.98% p.a.   Learn more about the NAB Choice Package – Principal and Interest – Residential Investment Interest only Fixed home loan interest rates For more information on comparison rates please refer to our important information below. * *  1-year fixed period 1-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.49% p.a. 6.95% p.a. 60.01% - 70% 6.49% p.a. 6.95% p.a. 70.01% - 80% 6.49% p.a. 7.13% p.a. 80.01% or more 6.59% p.a. 7.14% p.a.  2-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.54% p.a. 6.91% p.a. 60.01% - 70% 6.54% p.a. 6.91% p.a. 70.01% - 80% 6.54% p.a. 7.07% p.a. 80.01% or more 6.64% p.a. 7.09% p.a.  3-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.69% p.a. 6.91% p.a. 60.01% - 70% 6.69% p.a. 6.91% p.a. 70.01% - 80% 6.69% p.a. 7.05% p.a. 80.01% or more 6.79% p.a. 7.08% p.a.  4-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.69% p.a. 6.88% p.a. 60.01% - 70% 6.69% p.a. 6.88% p.a. 70.01% - 80% 6.69% p.a. 7.01% p.a. 80.01% or more 6.79% p.a. 7.04% p.a.  5-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.69% p.a. 6.85% p.a. 60.01% - 70% 6.69% p.a. 6.85% p.a. 70.01% - 80% 6.69% p.a. 6.97% p.a. 80.01% or more 6.79% p.a. 7.01% p.a.  Learn more about the fixed rate NAB Tailored Home Loan * *  1-year fixed period 1-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.39% p.a. 6.97% p.a. 60.01% - 70% 6.39% p.a. 6.97% p.a. 70.01% - 80% 6.39% p.a. 7.15% p.a. 80.01% or more 6.49% p.a. 7.16% p.a.  2-year fixed period 2-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.44% p.a. 6.94% p.a. 60.01% - 70% 6.44% p.a. 6.94% p.a. 70.01% - 80% 6.44% p.a. 7.10% p.a. 80.01% or more 6.54% p.a. 7.12% p.a.  3-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.59% p.a. 6.95% p.a. 60.01% - 70% 6.59% p.a. 6.95% p.a. 70.01% - 80% 6.59% p.a. 7.10% p.a. 80.01% or more 6.69% p.a. 7.12% p.a.  4-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.59% p.a. 6.93% p.a. 60.01% - 70% 6.59% p.a. 6.93% p.a. 70.01% - 80% 6.59% p.a. 7.06% p.a. 80.01% or more 6.69% p.a. 7.10% p.a.  5-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.59% p.a. 6.96% p.a. 60.01% - 70% 6.59% p.a. 6.96% p.a. 70.01% - 80% 6.59% p.a. 7.07% p.a. 80.01% or more 6.69% p.a. 7.12% p.a.  Learn more about the fixed rate NAB Tailored Home Loan * *  1-year fixed period 1-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.49% p.a. 6.80% p.a. 60.01% - 70% 6.49% p.a. 6.80% p.a. 70.01% - 80% 6.49% p.a. 6.98% p.a. 80.01% or more 6.59% p.a. 6.99% p.a.  2-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.54% p.a. 6.78% p.a. 60.01% - 70% 6.54% p.a. 6.78% p.a. 70.01% - 80% 6.54% p.a. 6.94% p.a. 80.01% or more 6.64% p.a. 6.96% p.a.  3-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.69% p.a. 6.80% p.a. 60.01% - 70% 6.69% p.a. 6.80% p.a. 70.01% - 80% 6.69% p.a. 6.95% p.a. 80.01% or more 6.79% p.a. 6.98% p.a.  4-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.69% p.a. 6.80% p.a. 60.01% - 70% 6.69% p.a. 6.80% p.a. 70.01% - 80% 6.69% p.a. 6.93% p.a. 80.01% or more 6.79% p.a. 6.97% p.a.  5-year fixed period Loan to Value Ratio (LVR) *  *  60% or less 6.69% p.a. 6.79% p.a. 60.01% - 70% 6.69% p.a. 6.79% p.a. 70.01% - 80% 6.69% p.a. 6.91% p.a. 80.01% or more 6.79% p.a. 6.95% p.a.  Learn more about the fixed rate NAB Tailored Home Loan *  Table of fixed interest rates for our NAB Choice Package – Interest Only in Arrears – Residential Investment.   *  *   1-year period *  6.49% p.a.  *  8.73% p.a.  2-year period *  6.54% p.a.  *  8.51% p.a.  3-year period *  6.69% p.a.  *  8.35% p.a.  4-year period *  6.69% p.a.  *  8.18% p.a.  5-year period *  6.69% p.a.  *  8.02% p.a.   Learn more about the NAB Choice Package – Interest Only in Arrears – Residential Investment *  Table of fixed interest rates for our NAB Choice Package – Interest Only in Advance – Residential Investment.   *  *   1-year period *  6.39% p.a.  *  8.75% p.a.  2-year period *  6.44% p.a.  *  8.55% p.a.  3-year period *  6.59% p.a.  *  8.41% p.a.  4-year period *  6.59% p.a.  *  8.25% p.a.  5-year period *  6.59% p.a.  *  8.11% p.a.   Learn more about the NAB Choice Package – Interest Only in Advance – Residential Investment *  Table of fixed interest rates for our NAB Choice Package – Interest Only in Advance – Share Investment   *  *   1-year period *  6.49% p.a.  *  8.32% p.a.  2-year period *  6.54% p.a.  *  8.17% p.a.  3-year period *  6.69% p.a.  *  8.06% p.a.  4-year period *  6.69% p.a.  *  7.94% p.a.  5-year period *  6.69% p.a.  *  7.82% p.a.   Learn more about the NAB Choice Package – Interest Only in Advance – Share Investment NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Arrears The fixed rates for a NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Arrears vary based on the length of the fixed rate period. This type of credit is no longer available to personal banking customers. Table of fixed interest rates for our NAB Portfolio Facility or NAB Private Portfolio Facility – Interest only in Arrears   *   1-year period *  6.64% p.a.  2-year period *  6.69% p.a.  3-year period *  6.84% p.a.  4-year period *  6.84% p.a.  5-year period *  6.84% p.a.   Learn more about the NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Arrears NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment The fixed rates for a NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment vary based on the length of the fixed rate period. This type of credit is no longer available to personal banking customers. Table of fixed interest rates for our NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment.   *   1-year period *  6.54% p.a.  2-year period *  6.59% p.a.  3-year period *  6.74% p.a.  4-year period *  6.74% p.a.  5-year period *  6.74% p.a.   Learn more about the NAB Portfolio Facility or NAB Private Portfolio Facility – Interest Only in Advance – Residential Investment  If you’re unsure how fixed, variable or split rates impact your borrowing power or next steps, our experts will talk you through options suitable for you. There’s no commitment until you’re ready to accept a rate and loan offer.  Schedule your chat in 2 minutes. Talk to an expert    Access credit for specific purposes with one of our flexible lines of credit. Show rates NAB FlexiPlus Mortgage Facility  A table of interest rates for the NAB Flexiplus Mortgage Facility.   *  FlexiPlus Mortgage 9.86% p.a. FlexiPlus Mortgage – Choice Package 9.71% p.a.  Learn more about the NAB FlexiPlus Mortgage Facility Hide rates Show rates NAB Portfolio Facility or NAB Private Portfolio Facility – variable rate  The variable rates for our portfolio facility will depend on the loan amount. This type of credit is no longer available to personal banking customers. A table of interest rates for the NAB Portfolio Facility or NAB Private Portfolio Facility. Loan amount *  Between $250,000 and $499,999 9.28% p.a. Between $500,000 and $999,999 9.18% p.a. $1,000,000 and above 9.08% p.a.  Learn more about the NAB Portfolio Facility Hide rates  Help and support Get the most out of your NAB home loan and discover popular help and support tasks. Manage your NAB home loan  Set up or change home loan repayments Estimate your minimum home loan repayments Find out how investing in property can help you build wealth.  A home renovation can help you increase equity or meet life’s changing needs.  Thinking about buying a house or freeing up equity? We can help make it happen.  Tools and calculators No matter what your situation – whether you’re buying your first home or investing in a new property – we have a variety of tools and calculators to help you get organised.  Compare your loan amount with other factors to estimate your minimum loan repayments.  We’ll help you find a home loan that suits your needs.  Get an estimate of how much you can afford to borrow for your home.  See all home loan calculators  How we define some important words You might also call it a glossary, definitions or a list of important words and phrases. Either way, this section helps you make sense of our interest rates. Advertised (indicator) rate Refers to a rate used as a base for calculating an interest rate being described in our loan contracts as our “advertised” rate. Interest rate Refers to the interest rate charged on individual loan products. The interest rates shown here are our current standard rates and don’t include special rates you might be eligible for. The interest rate is the advertised indicator rate for the home loan plus or minus any margins. Comparison rate Refers to a single figure that includes our current standard interest rate for the loan plus certain standard fees and charges (not all fees and charges are included). This is to help you compare the cost of loans. Residential investment This includes purchasing, refinancing or renovating a residential investment property.   This is how you can get in touch.  Log into either NAB Internet Banking or the NAB app. Tap on the message Type ‘speak to a person’ in the conversation window.  Speak to a home loan expert about a new or existing home loan. Monday to Friday, 8:00am to 7:00pm (AEST/AEDT)Saturday to Sunday, 9:00am to 6:00pm (AEST/AEDT) 13 78 79  Make an appointment to see us at your nearest branch, ask a mobile banker to come to you or ask us to call you back. Talk to an expert  Important Information Terms and Conditions  Other important information Annual package fee applies for NAB Choice Package (currently $395). Choice Package discounts and benefits only apply whilst your loan is part of a NAB Choice Package. When you apply for the NAB Choice Package, you must include in the package a minimum of $150,000 in eligible lending products (which are existing or approved lending). View our NAB Choice Package Terms and Conditions (PDF, 143KB)   Personal Banking Fees - a guide to fees and charges (PDF, 146KB)   Home loan fees and charges © National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 Quick links Security and fraud  Contact us Feedback Find us Interpreter services Accessibility Policies and terms Privacy Website disclaimer Financial Services Guide Important information Modern slavery statement Sitemap Connect with us LinkedIn , opens in new window Facebook , opens in new window Instagram , opens in new window YouTube , opens in new window X , opens in new window TikTok , opens in new window NAB acknowledges the Traditional Owners of the land as Australia’s First Peoples and recognises their continuing connection to lands, water and country. We pay our respects to Elders past and present. Any advice on our website has been prepared without considering your objectives, financial situation or needs. 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Target Market Determinations for our products are available at nab.com.au/TMD © National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686          <br><br>https://www.anz.com.au/personal/home-loans/:<br> Home loans, calculators, interest rates &amp; offers | ANZ       skip to log on skip to main content     VoiceOver users please use the tab key when navigating expanded menus     Personal    Everyday/savings &amp; term deposits  Low interest rate, rewards frequent flyer &amp; platinum  Buying, refinancing &amp; investing in property  Debt consolidation, buying a new or used car, renovations and more  Get on top of your home, life, income and car insurance  Superannuation and retirement options  Travel and foreign exchange  Internet &amp; mobile banking, ATMs &amp; more  Discover tools, tips and insights to help you get on top of your money  Specialised banking and advice for high net worth individuals  A service for third party advisers offering ANZ deposit products  Helping you to bank safely and stay alert to scams and fraud          ANZ Falcon® technology monitors millions of transactions every day to help keep you safe from fraud.&nbsp; Visit our security hub Falcon® is a registered trademark of Fair Issac Corporation.&nbsp; Business    Check out our flexible loans and cash flow options to seize your next business opportunity  Grow your business potential with one of our business credit cards  Accounts and term deposits to help you manage your cash flow and earn interest  From EFTPOS machines to online payments, we have solutions to meet all your in-person payment needs  Start, run and grow your business with our tools and resources  Choose from a range of online business banking options depending on your business needs  Grow your business with our tailored international trade and foreign exchange solutions  Tailored solutions to support Indigenous Small Business owners  Helping your business to bank safely and stay cyber secure Explore more Institutional    Industry advice and support across a range of key sectors  Our banking credentials, global reach and areas of expertise  World-class banking solutions tailored to suit your business needs  In-depth insights and analysis from our dedicated teams  All your banking platforms such as Transactive - Global, Transactive Trade, FX Online and more  Stay protected from ever-changing cybersecurity threats  We operate in close to 30 markets around the world, including more than 10 markets across Asia  Global economics, industry research and forecasts  Rates, fees and terms for our products  Contact details for Institutional and Corporate customers Log in  ANZ Transactive – Global Explore more Digital Services status Digital Services Help Security device user guide Learn    How we’re modernizing and changing our look  Discover tools, tips and insights to help you get on top of your money  Learn how we can support you if you’re facing financial hardship  Helping you to bank safely and stay alert to scams and fraud  Start, run and grow your business with our tools and resources  Helping your business to bank safely and stay cyber secure  How we support communities with grants, education, and volunteering  How we value diversity and inclusion in our workforce  Articles to help you navigate selling, buying, refinancing or renovating  Understand how credit cards work and how to manage them effectively  ANZ’s newsroom covering stories from inside and outside the bank  Tailored solutions to support Indigenous Small Business owners          ANZ Falcon® technology monitors millions of transactions every day to help keep you safe from fraud.&nbsp; Visit our security hub Falcon® is a registered trademark of Fair Isaac Corporation.          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Close mobile menu     Personal  Home loans   Home loans Buying, renovating or refinancing? No matter what journey you’re on, use our home loan calculators, comparison tools and guides to help you choose a home loan that's right for you - and get you to a good place. Now proudly participating in the Australian Government 5% Deposit Scheme. Request a call back Get in touch another way&nbsp; &nbsp;   First home buyers Move&nbsp;into your first home sooner The Australian Government 5% Deposit Scheme helps first home buyers and&nbsp;single parents&nbsp;get into the market sooner with a smaller deposit. Tell me more ANZ eligibility criteria, T&amp;Cs, fees,&nbsp;charges&nbsp;and exclusions apply. Scheme eligibility criteria&nbsp;apply. Choose your home buying journey Two options for first home buyers  Australian Government 5% Deposit Scheme We’re proud to participate in the Australian Government 5% Deposit Scheme. Designed for first home buyers with a minimum 5% deposit, or single parents with 2%, the Scheme also removes the need for Lenders Mortgage Insurance. Find out more&nbsp;   $3K cashback for eligible first home buyers Don’t qualify for the Government Scheme? You could still get $3,000 cashback to spend how you like. Available to eligible first home buyers with an ANZ home loan of $250,000 or more.disclaimer  Request a call back&nbsp;  Not available for eligible loans supported by a Government guarantee or where an ANZ LMI Waiver applies. Other exclusions, eligibility criteria and T&amp;Cs apply.        Book a free consult with an ANZ First Home Coach Get free support from an ANZ First Home Coach. We'll help you to: determine budgeting and saving for your deposit understand potential costs of buying property work out a plan to get you your first home Leave your details with us and we’ll call you back within 2 business days. Request a call back &nbsp; Or are you ready to apply?  Start your online application and we’ll be in touch to help you complete the process. Apply now  How much could a property be worth? Get a free report disclaimer  Get your free report  Explore more  Apply for pre-approval&nbsp;   Interest rates and offers   Borrowing power calculator   Repayment calculator   Home deposit and upfront costs calculator     Learn more about buying your first home See our articles, tools and resources.&nbsp;Let's get started     Support for your next home journey See our articles, tools and resources.&nbsp;Let's get started   Start the pre-approval process in just 5 minutes Working out how much you can afford to spend on your next property is a big decision. ANZ home loan pre-approvaldisclaimer  can give you more certainty of how much you could borrow from ANZ, so you can feel more confident about making an offer. Apply for pre-approval       Receive a free equity report for your home Want to use the available equity in your home to help buy your next property? Get a free ANZ Property Profile Equity Report to help you estimate how much equity you may have and how you could use it.disclaimer   Enter the property details and the report will be emailed to you in minutes. &nbsp; Get your equity report  Explore more  Interest rates and offers&nbsp;   Next home calculator&nbsp;   Repayment calculator&nbsp;   Compare our home loans&nbsp;   Get sales and suburb insights on a property   Read articles, tips and guides       Talk to our specialists Looking to buy your next property? Get help from our network of home loan specialists, including mobile lenders who can meet when and where it suits you. We'll help you navigate your ANZ home loan options so you can make your next move with confidence. 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We can guide you through the home loan process, explain how to apply for pre-approvaldisclaimer  and check to see if we can get you a better interest rate. Leave your details with us and we’ll call you back within 2 business days. Request a call back &nbsp; Or are you ready to apply?  Start your online application and we’ll be in touch to help you complete the process. Apply now &nbsp;     Learn more about buying an investment property See our articles, tools and resources.&nbsp;Let's get started    Start your refinancing journey in just 5 minutes. Thinking about switching your home loan? Refinancing with ANZ could help you save on interest, simplify your repayments, and access helpful features like offset and redraw. With no ANZ set-up or ongoing feesdisclaimer &nbsp;and less paperwork for eligible customersdisclaimer , it’s easier than ever to get started.  Why refinance to ANZ ?  Looking for a better rate? See if we can help Contact our home loan specialists to see if you can get a better interest rate on your home loan by switching to ANZ. Leave your details with us and we’ll call you back within 2 business days. Request a call back &nbsp; Or are you ready to apply?  Start your online application and we’ll be in touch to help you complete the process. Apply now        Explore more  Interest rates and offers   Repayment calculator   Compare our home loans   How to refinance a home loan   Fixed vs variable: which loan might suit you?     Get support with refinancing to ANZ See our articles, tools and resources.&nbsp;Let's get started   Featured rate 2 year fixed rate feature-rates  disclaimer  Interest rate disclaimer disclaimer     Comparison rate disclaimer Tooltip      Discounted 2 year fixed rate when borrowing 80% or less of the property valuedisclaimer on owner occupied home loan with principal and interest repayments.&#xa0;  Request a call back ANZ Fixed Rate home loan     &nbsp; Say goodbye to extra feesdisclaimer  No home loan package, ANZ set up or ongoing fees when you get a new home loan or refinance to ANZ.  &nbsp; Get property insights for free Our detailed property reports give you the latest sales, rental and suburb insights.  &nbsp; Simple process for self-employed Streamlined income verification; only one year's tax return typically required for eligible self-employed.   Already an ANZ home loan customer?  Manage your home loan&nbsp;   Get help with your repayments&nbsp;  &nbsp;  Our ANZ Home Loan Specialists can help you with a whole range of things, such as: Applying for a new home loan Refinancing a home loan Managing your existing loan Helping you understand your ANZ Home Loan options so you can make your next move with confidence Get support in a number of ways:    Let us come back to you Provide your details and one of our Home Loan Specialists will contact you via phone or email.  Response time is 1-3 days. Request a call back   &nbsp;  Make an appointment Chat with one of our home loan specialists by phone, video call or in person at your nearest branch. Book an appointment    Call us now With extended hours, you can get in touch with someone quickly. Monday-Friday 8am-7pm (Sydney/Melbourne time) Call 1800 100 641    Meet with an ANZ Mobile Lenderdisclaimer  ANZ Mobile Lenders will go the extra mile with the experience and knowledge to navigate all ANZ home loans. Enjoy the convenience of meeting wherever and whenever suits you best. ANZ Mobile Lenders are dedicated ANZ Home Loan Specialists who can provide personalised service where and when it suits you. Find your ANZ Mobile Lender     Start your application online Kick things off online and an ANZ Home Loan Specialist will contact you to help with the remainder of the application process. Apply online now    Talk to your broker You can also chat to an ANZ accredited broker  for help with your home buying, investing or refinancing needs. &nbsp;  Common home loan questions  Use our borrowing power calculator   Generally, the more you have as a home deposit, the less you’ll need to borrow and the lower your monthly repayments. Find out how much you really need for a house deposit.&nbsp;If you already own a property, you might want to consider using the equity you’ve built up in that property to help with your deposit. Find out more   According to Moneysmart   When you refinance a home loan, it means taking out a new home loan to replace your current home loan. Your current home loan is paid out by the new loan and you make repayments towards the new loan. Read more    LVR stands for 'Loan to Value Ratio  LVR is important because it may affect your borrowing power. Generally, the lower the LVR the better, as it carries less risk for the lender. If your LVR is above 80% (that is, you're looking to borrow more than 80% of the value of the property you want to buy), you may need to pay Lenders Mortgage Insurance (LMI). This insurance protects the lender - ANZ, not you - if you default on your home loan and there’s a shortfall following the sale of the property. Generally speaking the higher your LVR, the more LMI will cost. Learn more about ANZ LMI with our&nbsp;Key Fact Sheet (PDF)&nbsp; &nbsp;or read our article on&nbsp;Lenders Mortgage Insurance *Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.   A fixed interest rate home loan is one where your interest rate is locked in (i.e. fixed) for a certain period, typically between one and ten years. During the time your interest rate is fixed, both your interest rate and your required repayments won’t change. Generally, at the end of the fixed term your loan will roll over to a variable rate, unless you choose to repeat the process (if eligible). A variable interest rate home loan, on the other hand, can change at any time. Lenders may increase or decrease the interest rate attached to the loan. The interest rate may change in response to decisions made by the Reserve Bank of Australia, as well as other factors. Your required minimum repayment amount will increase if interest rates go up, and decrease if interest rates fall.&nbsp;Read more   There are many ways to apply for an ANZ home loan. You can visit an ANZ Branch, contact an ANZ Mobile Lender or ANZ accredited broker, or request a callback from one of our home loan specialists. And in under 5 minutes, you can also get your application started for pre-approval, a new home loan, refinancing, or topping up your existing home loan.&nbsp;Read more    If you choose interest only, the minimum payment amount on your loan will be lower during the interest only period because you are not required to repay any of the loan principal. You will have to repay the principal down the track and so you may end up paying more over the life of your loan. There may be additional restrictions on the amount you can borrow or loan type you can select if you choose to pay interest only. Choosing to repay principal and interest means that, with each repayment, you're paying off interest charges as well as some of the loan principal. Learn more about payment types    Fixed home loan rates Variable home loan rates redraw offset account As both fixed and variable rate loans have pros and cons, split loans ANZ Standard Variable Loan You can split your loan    A comparison rate is designed to help you work out the total cost of a home loan by building the known costs like up-front and ongoing fees into that rate. It doesn’t include things like government charges, redraw fees or fee waivers.&nbsp; You can use comparison rates to help you compare the cost of different home loans with similar features. When deciding which home loan is right for you, it’s important to think about what features each home loan offers, and how much these matter to you. Keep in mind that you may not necessarily pay the comparison rate that is advertised for your loan type.&nbsp; This is because, for example, you may not pay all the fees and charges which the comparison rate includes.  Important information  Interest rates shown on this page are current as at   The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions Product Disclosure Statement ANZ Financial Services Guide (PDF)  Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply.&nbsp;Australian credit licence 234527. ANZ Buy Ready™ is a trade mark of ANZ.  Offer can be withdrawn at any time. Maximum one cashback per eligible loan, individual may only claim once. Available for eligible First Home Buyers who purchase or construct their first property and take out an Eligible ANZ Home Loan of $250,000 or more. Offer not available for any Eligible ANZ Home Loan supported by a Government guarantee, where an ANZ LMI Waiver applies, or for ANZ Plus Home Loans. Other exclusions may apply. To be eligible to receive the cashback First Home Buyers must hold an Eligible ANZ Account at loan drawdown. Drawdown on the Eligible ANZ Home Loan(s) must take place within 180 days from applying. Cashback paid after settlement within 60 days of drawdown. See the full Terms and Conditions (PDF)   A price range estimate is an estimate only. It is based on certain available information provided when ordering a Property Profile Report. It is not a valuation of the property or a guarantee of its market value or future sale price. Price range estimates may change daily and the actual sale price (if the property is sold) may be different.   ANZ may provide pre-approval (also known as approval in principle or conditional approval) to eligible customers who apply for an ANZ home loan and complete an application form and satisfy any other applicable requirements. Pre-approval is an approval for a loan subject to conditions being met, including that security is satisfactory to ANZ.&nbsp;Australian Credit Licence 234527.  ANZ Property Profile Reports are&nbsp;not personal advice or a recommendation. They contain general information only and do not take into account personal needs and financial circumstances. They are for personal use only. Price range estimates and estimated total equity are estimates only. They are based on certain available information and/or equity estimates provided when ordering an ANZ Property Profile Report. An ANZ Property Profile Report is not a valuation of the property or a guarantee of its market value or future sale price. Price range estimates may change daily and the actual sale price (if the property is sold) may be different.&nbsp; Customers should make their own enquiries and obtain independent financial and legal advice before deciding whether to use their equity to invest in property, renovate or deciding the price they are willing to pay for a property. Sales history and past performance are not indicative of future price or performance.  For ANZ home loans: Other home loan fees including Late Payment Fee, Lock Rate Fee, Early Repayment Cost (Fixed Rate Loans) and ANZ Equity Manager facility fee still apply. Loan security fees including Lodgement Fee, Production Fee, Settlement Fee and Search Fee still apply however will not be charged on establishment of a loan. Government fees and charges (including government search fees and stamp duty) may still apply.  Eligibility criteria applies. Applicants must receive PAYG income or earn income via wages paid from their own company (all other forms of self-employed income are excluded from this policy) and be refinancing their loan from another financial institution only. The loan must not require Lenders Mortgage Insurance. The current minimum repayment must be greater than or equal to the minimum principal and interest repayment for the residual term of the new loan. Maximum cash out of $50,000. There must be 12 months repayment history evident on CCR (Comprehensive Credit Reporting)   The interest rate shown includes any applicable interest rate discount from the index rate. For ANZ Standard Variable, the interest rate discount is&#xa0;     Rates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan.  Interest rates shown on this page are current as at  ANZ Personal Banking Account Fees and Charges (PDF) ANZ Personal Banking General Fees and Charges (PDF)   Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including any applicable interest rate discounts. These rates are for secured loans only. WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.  For interest only variable loans, the comparison rates are based on an initial 5 year interest only term. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.  ANZ Mobile Lending representatives operate under an ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 Australian credit licence 234527.  Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.  Terms and Conditions ANZ Consumer Lending Terms and Conditions (PDF)   Eligibility criteria applies. Applicants must receive PAYG income or earn income via wages paid from their own company (all other forms of self-employed income are excluded from this policy) and be refinancing their loan from another financial institution only. The loan must not require Lenders Mortgage Insurance. The current minimum repayment must be greater than or equal to the minimum principal and interest repayment for the residual term of the new loan. Maximum cash out of $50,000. There must be 12 months repayment history evident on CCR (Comprehensive Credit Reporting)   The rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.  The rate shown is the Simplicity PLUS Residential Investment Property Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.&nbsp;  The fixed rate is set on the day the loan is drawn down. If you want to lock in a rate prior to drawdown, you can ask ANZ about options for locking in a fixed rate before settlement on eligible loans. A fee of $750 per $1 million of lending (or part thereof) applies. Available for fixed rate loans with terms of 1-5 years. Terms and Conditions available on application.  For ANZ Fixed Rate loans, you can make early or additional repayments up to a set available tolerance amount (the lesser of 5% of the loan amount at the start of the current fixed rate period or $5,000) each year of the fixed rate period, without triggering an Early Repayment Cost.&nbsp; An Early Repayment Cost may be incurred if, during the fixed rate period, the available tolerance amount is exceeded, the loan is fully repaid or refinanced, or ANZ agrees to change the interest rate at your request. Please be aware that Early Repayment Costs can be very large.&nbsp;Terms and Conditions ANZ Consumer Lending Terms and Conditions (PDF) ANZ Fixed Rate Loans - What happens if you repay some or all of it early? (PDF) &nbsp;1800 100 641            Facebook    LinkedIn    Youtube      Instagram       © Australia and New Zealand Banking Group Limited (ANZ)   ABN 11 005 357 522. Top         _satellite.pageBottom();    <br><br>https://www.commbank.com.au/home-loans/interest-rates.html:<br>Home loan interest rates | CommBank       window.CQ = window.CQ || {}             Skip to main content  Skip to log on  Skip to search  Accessibility at CommBank   Banking Home loans Insurance Investing &amp; Super Business Institutional CommBank Yello   Log on     Banking Home loans Insurance Investing &amp; Super Business Institutional CommBank Yello Locate us Help &amp; support CommBank Search. Dialog start.  Search CommBank. Start typing…   Popular searches Travel insurance  Foreign exchange calculator  Discharge/ Refinance authority form  Activate a CommBank card  Cardless cash  Interest rates &amp; fees  Help &amp; support Locate us Contact us Interest rates Make a home loan comparison between our fixed and variable rates, whether you’re an Owner Occupier or Investor and are paying Principal and Interest or Interest Only.  Book appointment Get started Qantas Points Offer Take off with up to 300,000 Qantas Points when you apply for a new Digi Home Loan of $300,000 or more. Eligibility criteria, exclusions and Terms and Conditions Find out more  Choose a home loan that’s right for you  My loan is for Estimated Property Value      clear text I want to Loan Amount  clear text    I&#39;ll pay back  Loan to Value Ratio (LVR) doesn’t impact interest rates for Fixed Rate home loans All other rates have been updated in line with your #_LVR_VALUE_#% improve with a lower LVR. Digi Home Loan A digital home loan with a low variable rate and access to one Everyday Offset account 8 . Only available online. Tell me more Interest Rate^  p.a. Comparison Rate*  p.a. Repayments Payments $  Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest. Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying interest only. Once #_KEY_IO_YEARS_DROPDOWN_# Interest Only period ends, repayments will be $#_KEY_REPAYMENT_IO_# based on current Principal and Interest rates - which may change. Minimum loan amount $100,000 Wealth Package rates require a minimum initial package lending balance of $150,000. Update Loan amount uncheck Wealth Package Wealth Package rates require a minimum initial package lending balance of $150,000. Update Loan amount uncheck Wealth Package Estimated property value Loan amount Estimated property value Loan amount and/or Loan amount and/or Loan amount   What you'll get Option to link one offset account for a fee A low variable rate  Monthly cashback for eligible CommBank Yello customers  Unlimited additional repayments Unlimited redraws Eligible for interest rate reductions What you'll get Link multiple offsets Unlimited additional repayments Unlimited redraws Access features like top ups Option to split loan Eligible for interest rate reductions  Trade-offs No Wealth Package Not protected from interest rate increases Not available to company or trust borrowers Fees apply when switching your loan purpose, repayment type or product type Not available for off the plan purchase, purchase of land, building and construction loans and bridging Trade-offs No Wealth Package Not protected from interest rate increases  Fees $10 offset feature fee, if an offset account is linked $#_KEY_ESTALISHMENT_FEE_# establishment fee $#_KEY_ONGOING_FEE_# monthly loan service fee (monthly cashback for eligible CommBank Yello customers9 Additional fees Fees $#_KEY_ESTALISHMENT_FEE_# establishment fee $#_KEY_ONGOING_FEE_# monthly loan service fee Additional fees Tell me more  Apply Now Close &times; Save time by using your NetBank details.  Apply online Start your application now. Get started Simple Home Loan A Simple Home Loan with a competitive variable rate and the choice to access two offset accounts 2&amp;8  Tell me more Interest Rate^  p.a. Comparison Rate*  p.a. Repayments Payments $  Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest. Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying interest only. Once #_KEY_IO_YEARS_DROPDOWN_# Interest Only period ends, repayments will be $#_KEY_REPAYMENT_IO_# based on current Principal and Interest rates - which may change. Minimum loan amount $10,000 Wealth Package rates require a minimum initial package lending balance of $150,000. Update Loan amount uncheck Wealth Package Wealth Package rates require a minimum initial package lending balance of $150,000. Update Loan amount uncheck Wealth Package Estimated property value Loan amount Estimated property value Loan amount and/or Loan amount and/or Loan amount Estimated property value Loan amount Estimated property value Loan amount Estimated property value Loan amount Estimated property value Loan amount   What you'll get Option to link up to two offset accounts to each Simple Home Loan for a monthly fee Monthly cashback for eligible CommBank Yello customers 9 Unlimited additional repayments Unlimited redraws Access features like top ups Eligible for interest rate reductions What you'll get Link multiple offsets Unlimited additional repayments Unlimited redraws Access features like top ups Option to split loan Eligible for interest rate reductions  Trade-offs No Wealth Package Not protected from interest rate increases Not available to company or trust borrowers Not available for split loans, purchase of land, building and construction loans and bridging Trade-offs No Wealth Package Not protected from interest rate increases  Fees $10 monthly Offset Feature fee, if up to two Everyday Offset accounts are linked $300 establishment fee $0 establishment fee on Simple Home Loans – limited time only^^ $20 monthly loan service fee (up to $15 monthly cashback available for eligible CommBank Yello customers9 Additional fees Fees $#_KEY_ESTALISHMENT_FEE_# establishment fee $#_KEY_ONGOING_FEE_# monthly loan service fee Additional fees Tell me more  Apply Now Close &times; Save time by using your NetBank details.  Apply online Start your application now. Get started Standard Variable Rate A variable rate with discounts tailored to you, plus access to offset and an extensive range of features.2  Tell me more Interest Rate^  p.a. Comparison Rate*  p.a. Repayments Payments $  Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest. Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying interest only. Once #_KEY_IO_YEARS_DROPDOWN_# Interest Only period ends, repayments will be $#_KEY_REPAYMENT_IO_# based on current Principal and Interest rates - which may change. Minimum loan amount $10,000 Wealth Package rates require a minimum initial package lending balance of $150,000. Update Loan amount uncheck Wealth Package Wealth Package rates require a minimum initial package lending balance of $150,000. Update Loan amount uncheck Wealth Package and/or Loan amount and/or Loan amount Estimated property value Loan amount Estimated property value Loan amount Estimated property value Loan amount Estimated property value Loan amount   What you'll get Wealth Package 1  Link multiple offsets Unlimited additional repayments Unlimited redraws Access features like top ups Option to split loan Eligible for interest rate reductions What you'll get Link multiple offsets Unlimited additional repayments Unlimited redraws Access features like top ups Option to split loan Eligible for interest rate reductions  Trade-offs Not protected from interest rate increases Trade-offs No Wealth Package Not protected from interest rate increases  Fees $#_KEY_PACKAGE_FEE_# annual Wealth Package fee Additional fees Fees $#_KEY_ESTALISHMENT_FEE_# establishment fee $#_KEY_ONGOING_FEE_# monthly loan service fee Additional fees Tell me more  Apply Now Close &times; Save time by using your NetBank details.  Apply online Start your application now. Get started Fixed Rate Always know what your repayments will be with a locked-in rate.3  Tell me more Interest Rate^  p.a. Comparison Rate*  p.a. Repayments Payments $  Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest. Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying interest only. Once #_KEY_IO_YEARS_DROPDOWN_# Interest Only period ends, repayments will be $#_KEY_REPAYMENT_IO_# based on current Principal and Interest rates - which may change. Minimum loan amount $10,000 Wealth Package rates require a minimum initial package lending balance of $150,000. Update Loan amount uncheck Wealth Package Wealth Package rates require a minimum initial package lending balance of $150,000. Update Loan amount uncheck Wealth Package Estimated property value Loan amount Estimated property value Loan amount and/or Loan amount and/or Loan amount Estimated property value Loan amount Estimated property value Loan amount Estimated property value Loan amount Estimated property value Loan amount   What you’ll get Wealth Package 1  Protected from interest rate increases during fixed term Option to lock in the reference interest rate with the Rate Lock feature at a fee of $750 – learn more about Rate Lock Additional repayments up to $10k in a fixed year without incurring additional charges Option to split loan What you'll get Protected from interest rate increases during fixed term Option to lock in the reference interest rate with the Rate Lock feature at a fee of $750 – learn more about Rate Lock Additional repayments up to $10k in a fixed year without incurring additional charges Option to split loan  Trade-offs  No offset  account No redraw Rate drops won’t apply to this loan during fixed term No access to features like top ups Charges Trade-offs No offset  No Wealth Package  No redraw  Rate drops won’t apply to this loan during fixed term No access to features like top ups  Charges   Fees $#_KEY_PACKAGE_FEE_# annual Wealth Package fee $750 fee applies if you rate lock ~  Early Repayment Adjustment and Administrative Fee may apply if additional repayments are over $10k in a fixed year,  switching or breaking your loan during fixed term Additional fees Fees $#_KEY_ESTALISHMENT_FEE_# establishment fee $#_KEY_ONGOING_FEE_# monthly loan service fee $750 fee applies if you ratelock ~  learn more about rate lock Early Repayment Adjustment and Administrative Fee may apply if  switching or breaking your loan Additional fees Tell me more  Apply Now Close &times; Save time by using your NetBank details.  Apply online Start your application now. Get started  ^Available for new borrowings only. Comparison rate warning Download home loan interest rates (PDF) Start online Tell me more Get conditional approval with no commitment. You're not locked into any rate or product, and have the flexibility to save and resume your application at any time. Pre-fill your details online in as little as 10 minutes, then discuss your application with a lender who can help you get the best rate on offer and find the best fit for your needs.  Receive a call from a dedicated specialist after submitting your application online, guiding you through the process.   Apply for conditional approval online to get a step ahead on your application and in the property market, whether you've found a new property or just starting your search. We'll ask you a few questions so we can help you find a home loan Start now Home loan considerations Assess long-term goals Make lump sum repayments Budget Long-term goals  Get the most out of your loan. Choosing a home loan or refinancing in a changing rate environment can be a daunting task. We can help guide you through the considerations after an interest rate change.  Tell me more Understand how much you could borrow in just a couple of minutes. Calculate now Access market and property insights and ongoing support with a CommBank lender. Find out more about property reports Turn your borrowing power into conditional approval so you can house hunt or refinance with confidence. Book appointment Find personalised rates and discounts when you switch or fix your home loan View all available rates when you log onto NetBank , In the CommBank app, go to your home loan, tap ‘Manage loan’ then select ‘Change your loan’ Some home loan types can’t be changed in NetBank, such as Interest Only. Call 13 2224 Change in NetBank Check your home loan Split your loan You can also split your home loan and enjoy the best of fixed and variable. More about splitting your home loan Split in NetBank Check your current rate To check your interest rate, log into NetBank CommBank app CommBank app: Log into the app Tap 'Accounts' and then 'Home Loan' Tap the 'Manage button' NetBank: Log on to NetBank Click on the Home Loan tab Click on 'Rate and info' Check your home loan Calculators How much can I borrow? Stamp duty calculator Home loan repayments calculator Refinance calculator View more calculators Property guides Investing in property  Refinancing your home Buying your first property Buying your next property Renovating your home $699 conveyancing** Home-in’s experienced team and secure, award-winning app will help guide you through the conveyancing process. Built by CommBank and trusted by thousands of Australian home buyers, receive real-time status updates, six-hour contract reviews, and one of the industry’s best on-day settlement rates5 . Plus, eligible CommBank customers can access $699 conveyancing with Home-in**  Learn more Exclusive discounts on More nbn® plans Get $25 off monthly on new More nbn® plans for 36 months, then $10 off monthly ongoing. Plus, get $25 off a Wi-Fi Router pack with a new nbn® plan.4  Sign up using ConnectID and a CommBank credit or debit card as your online payment method.  Learn more Home buying support for business owners Self-employed business owner? Achieve your property goals with the help of our lending specialists. Learn more Say hello to CommBank Yello! Be rewarded as part of CommBank Yello Frequently asked questions  Home interest rates are the percentage of the loan amount that lenders charge borrowers for using their money to purchase a home. These rates can be either fixed or variable: Fixed Interest Rates:  Variable Interest Rates: A home loan comparison rate helps show the true cost of the loan by combining the interest rate with certain fees and charges. It's expressed as a single percentage to make it easier to compare different loans. This way, you can see the overall cost, not just the advertised interest rate. Message us 24/7 Get help from Ceba in the CommBank app or connect with a specialist who can message you back. You’ll need CommBank app Message us Was the information on this page useful? Yes No Thanks for your feedback. Have a suggestion? Please help us improve  Book an appointment Book instantly to speak to a Home Loan Specialist at a time that suits you.  Manage your loan online Redraw, change your repayments or loan type to better meet your needs and more. Contact us Fast-track your call, see expected wait times and connect with a specialist in the CommBank app. Message us Get instant help from our virtual assistant or chat to a specialist. Please refer to our Home Loan Fact Sheets See rates for products no longer offered (PDF) 1 product guide  Consumer Mortgage Lending Products Terms and Conditions 2 here 3 4  More website More website Standard Form of Agreement. More’s website 5 Contracts are reviewed within six business hours 95% of the time (October 2023). To ensure contracts are reviewed within six business hours, customers must upload the entire contract within the Home-in app. Home-in has one of the highest on-time settlement rates in the industry with 95% of Home-in customers settling on time in 2023. 7 commbank.com.au/commbankyello 8  ‘Fees we charge for consumer mortgage lending products' 9 commbank.com.au/commbankyello ** This offer is valid from 6 May 2025. To secure the offer you will need to engage the services of a Home-in partner law firm via the Home-in app on or after this date. If you engaged the services of a Home-in partner law firm via the Home-in app before this date, you are not eligible for this offer. This offer cannot be combined with other Home-in offers. This offer is only available to CommBank customers who meet the following criteria: (a) have an eligible CommBank transaction account: Smart Access, Complete Access, Everyday Offset, Pensioner Security (excluding Pensioner Security Passbook accounts) or Private Bank Account; and  (b) fund an eligible residential property purchase with a CommBank home loan; and (c) settle this property purchase using the in-app legal services provided through Home-in. This offer only applies to buy-side conveyancing services for residential property purchases in Australia. Home-in does not offer conveyancing services for the purchase of off-the-plan, rural/agricultural, retail or commercial properties, or properties with a purchase price in excess of $5,000,000. Additional fees apply to conveyancing services in respect of complex titles (such as old system, leasehold and company titles), which are excluded from this offer. This offer is only available through CommBank’s proprietary channels, it is not available to customers that originate through Bankwest, Unloan or a broker channel.  If you settle on a property without meeting the eligibility criteria, this offer will not apply and you will be required to pay the standard list price for your conveyancing services. If you do not ultimately settle on a property purchase with Home-in within 6 months of your first contract review, any disbursements, contract review fees and ancillary service fees incurred will become payable to Home-in at the standard list price. The $699 (including GST) offer includes the following conveyancing services: one standard contract review, reasonable negotiation with the vendor’s solicitor, preparation of documents and figures required for settlement and electronic or paper settlement for your property. Disbursements are additional and charged at cost. For some property purchases, you may require or request additional services for which we charge a professional fee, such as expedited settlement or usage of a trust account. Find out more about Home-in's pricing by visiting home-in.com.au/pricing. Home-in reserves the right to terminate the offer and change the pricing at any time. Home-in is a brand of CBA New Digital Businesses Pty Ltd ABN 38 633 072 830 trading as Home-in Digital. CBA New Digital Businesses Pty Ltd is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. CBA New Digital Businesses Pty Ltd is not an Authorised Deposit-taking Institution for the purposes of the Banking Act 1959 (Cth) and its obligations do not represent deposits or other liabilities of Commonwealth Bank of Australia. ^ Home Loan Interest Rates # Information provided (including interest rates) are subject to change. Calculations are estimates provided as a guide only. They assume interest rates don’t change over the life of the loan and are calculated on the rate that applies for the initial period of the loan. Interest rates referenced are current rates and may change at any time. Fees and charges are payable. The calculations do not take into account fees, charges or other amounts that may be charged to your loan (such as establishment or monthly service fees or stamp duty). Lenders' Mortgage Insurance or a Low Deposit Premium may apply to your loan depending on the size of your deposit; security, applicant and loan attributes. This is a one-off cost and will be added to the loan amount. Any of these additional amounts will increase repayments under the loan. We have different rates that apply, depending on whether you are making interest only payments or principal and interest repayments. During an interest only period, your interest only payments won't reduce your loan balance. At the end of an interest only period, your repayments will increase to cover principal and interest components. Rates are subject to change. Applications are subject to normal credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. * ^^ This offer is only available to CommBank customers who meet the following criteria:  (a) All borrowers must be individuals. Applications from trusts or companies are not eligible; and  (b) Application must be submitted through CommBank’s proprietary or broker channels, it is not available to customers that submit an application through Bankwest or Unloan.  (c) The loan must be for one of the following eligible products:  - Simple Home Loan  - Simple Investment Home Loan.  If your application does not meet the eligibility criteria, the standard establishment fees: $300 for non-off-the-plan purchases and $800 for off-the-plan purchases, will apply.  • CommBank reserves the right to withdraw or amend this offer at any time without notice. +  Loan application is for a new CommBank Digi Home Loan only, submitted between 1 September 2025 and 30 June 2026 inclusive. Be submitted online directly via CommBank.com.au, NetBank or the CommBank app. (Loan applications made by Brokers are not eligible.) Loan Purpose is for owner-occupier or investment property purchase or refinance from a financial institution other than CommBank. CommBank customers with an existing CommBank home loan are not eligible to refinance their home loan with this offer. The Digi Home Loan is not available for off the plan purchases, the purchase of land, building and construction loans, or bridging loans. The application is either in sole or joint names. (Applications from Companies or Trusts are not eligible. Maximum of two applicants per application) A minimum loan amount of $300,000 with a Loan to Valuation Ratio (LVR) of 80% or less. The loan must be settled 28 September 2026. If you have not settled your home loan within 90 days of receiving pre-approval, your application will need to be refreshed by a CommBank lender to be able to retain your original submission date for the purpose of maintaining eligibility for the offer. If, at any time during the offer period, the customer changes their application from a CommBank Digi Home Loan to another home loan product they will no longer be eligible for the Qantas Points offer. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. If an applicant is not a Qantas Frequent Flyer member, they can join for free here qantas.com/terms The application must include the Qantas Frequent Flyer membership number and corresponding last name attached to the Qantas Frequent Flyer account, to whom the Qantas Points will be awarded if eligibility is met. In the case of joint applications, the applicants must nominate one of the co-borrowers to be the recipient of the Qantas Points. The Qantas Frequent Flyer membership number must be added to the loan application prior to settlement, to be eligible for Qantas Points. The membership number can be added as part of the loan application or after submission via the CommBank Digi Home Loan App Tracker. The Qantas Frequent Flyer member nominated to receive Qantas Points cannot have earned Qantas Points on a CommBank Digi Home Loan offer previously. A member can have multiple CommBank Digi Home loans, including joint applications, however they will only be eligible for Qantas Points once. If the above conditions are met, Qantas Points will be awarded as follows: 100,000 Qantas Points for loans between $300,000 and $499,999 200,000 Qantas Points for loans between $500,000 and $999,999 300,000 Qantas Points for loans of $1,000,000 or more.  The Qantas Points will be credited to the nominated member’s Qantas Frequent Flyer account within 30 days of settlement and will appear on the nominated member’s Points Activity Statement as ‘CommBank Digi Home Loan’. Qantas Points will not be awarded if the loan is in arrears or default, or any of the borrowers are receiving financial hardship relief or assistance at the time of crediting the points. You should consider whether the Qantas Points will result in any tax implications for you. We suggest you seek independent advice from your accountant or tax adviser if you are uncertain of the tax implications to you. This offer cannot be used in conjunction with any other advertised or promotional offer. We reserve the right to close or vary this offer at any time.  Home loans issued by Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit licence 234945. Commonwealth Bank of Australia pays Qantas for Qantas Points issued in relation to this offer. Approval and loan limit are subject to Commonwealth Bank of Australia’s credit assessment criteria. Information, including interest rates and fees, are subject to change. Terms, conditions, fees, charges, lending and eligibility criteria apply. The target market for this product will be found within the product's Target Market Determination, available at commbank.com.au/tmd  Back to top  QUICK LINKS ABOUT US IMPORTANT INFORMATION    CommBank acknowledges the Traditional Owners    &copy;2026 Commonwealth Bank        (function(){function c(){var b=a.contentDocument||a.contentWindow.document;if(b){var d=b.createElement('script');d.innerHTML="window.__CF$cv$params={r:'9f569bd70e9dcbab',t:'MTc3NzcyMDUzMw=='};var a=document.createElement('script');a.src='/cdn-cgi/challenge-platform/scripts/jsd/main.js';document.getElementsByTagName('head')[0].appendChild(a);";b.getElementsByTagName('head')[0].appendChild(d)}}if(document.body){var a=document.createElement('iframe');a.height=1;a.width=1;a.style.position='absolute';a.style.top=0;a.style.left=0;a.style.border='none';a.style.visibility='hidden';document.body.appendChild(a);if('loading'!==document.readyState)c();else if(window.addEventListener)document.addEventListener('DOMContentLoaded',c);else{var e=document.onreadystatechange||function(){};document.onreadystatechange=function(b){e(b);'loading'!==document.readyState&&(document.onreadystatechange=e,c())}}}})(); <br><br>
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