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Complete Variable Home Loan Package
Bankwest's Complete Variable Home Loan Package is a home loan. The figures are the ones Bankwest publishes under the Consumer Data Right today. The advertised rate last moved on 9 October 2026, up from 6.19% to 6.44%.
Advertised rate
6.44%
headline tier
Comparison rate
6.83%
as published
Last moved
+0.25pp
9 October 2026
Advertised rate, last 30 days. Between 6.19% and 6.44% over the last 30 days.
Every current rate (13)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 60% | 6.44% | 6.83% |
| Variable, Owner occupier, P&I, LVR 60 to 70% | 6.49% | 6.88% |
| Variable, Owner occupier, P&I, LVR 70 to 80% | 6.49% | 6.88% |
| Variable, Owner occupier, P&I, LVR 80 to 90% | 6.64% to 6.74% | 7.03% |
| Variable, Investor, P&I, LVR up to 60% | 6.69% | 7.08% |
| Variable, Investor, P&I, LVR 60 to 70% | 6.74% | 7.13% |
| Variable, Investor, P&I, LVR 70 to 80% | 6.74% | 7.13% |
| Variable, Owner occupier, P&I, LVR 90 to 95% | 6.94% to 7.14% | 7.32% |
| Variable, Investor, P&I, LVR 80 to 90% | 7.04% | 7.42% |
| Variable, Owner occupier, P&I, LVR 95 to 98% | 7.54% to 8.62% | 7.92% |
| Variable, Owner occupier, Interest only, LVR up to 80% | 7.59% | 7.94% |
| Variable, Investor, P&I, LVR 90 to 95% | 7.74% | 8.12% |
| Variable, Investor, Interest only, LVR up to 90% | 8.27% | 8.61% |
Rate moves, last 30 days
- 2 November 2026: Variable, Owner occupier, P&I, LVR 80 to 90% cut 0.10pp, from 6.74% to 6.64%.
- 2 November 2026: Variable, Owner occupier, P&I, LVR 90 to 95% cut 0.20pp, from 7.14% to 6.94%.
- 2 November 2026: Variable, Owner occupier, P&I, LVR 95 to 98% cut 1.08pp, from 8.62% to 7.54%.
- 9 October 2026: 13 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR up to 60%, from 6.19% to 6.44%.
Published fees
| Fee | Amount |
|---|---|
| Application Feeupfront: No application fee applies for any home loans under the Complete Package. | $0 |
| Bank Cheque Feeper transaction: Payable per cheque required for settlement purposes and each time you request a bank cheque. | $10 |
| Arrears Notice Feewhen it happens: Cost is per notice and payable upon notification that your account is in arrears, during the period the loan is in default. | $35 |
| Legal Feeswhen it happens: Payable where Bankwest requires external legal services as part of the application. | see lender |
| Mortgage Registration Feeupfront: These are payable to Bankwest in reimbursement of Land Titles Office fees. | see lender |
| Discharge of Pre-existing Mortgage Registration Feeon exit: These are payable to Bankwest in reimbursement of Land Titles Office fees. | see lender |
| Transfer of Land Registration Feewhen it happens: These are payable to Bankwest in reimbursement of Land Titles Office fees. | see lender |
| Third Party Fees (including legal fees) Associated with the Dischargewhen it happens: These are payable to Bankwest in reimbursement of any third party fees associated with a discharge. | see lender |
| Discharge of Mortgage Registration Feeon exit: These are payable to Bankwest in reimbursement of Land Titles Office fees. | see lender |
| Security Assessment Feewhen it happens: Payable when we perform a valuation on any mortgaged real property forming part of the Security after the initial settlement in reimbursement of the valuer's fe | see lender |
| Legal Disbursement Feeupfront: Applies when a new mortgage is being taken. | $350 |
| Complete Home Loan Package Feerecurring: Fee is payable annually in advance and covers all Complete Home Loans held under the Package. | $395 |
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