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Westpac rates
Westpac publishes 46 products with a current advertised rate. The rates below are the ones it publishes under the Consumer Data Right today; a rate marked restricted is open only to a stated occupation, employer or membership. Click a product for every rate, its 30-day history and its latest moves, or see every rate in the explorer.
Westpac's lowest home loan rate is 6.24% on Flexi First : Our lowest online variable home loan rate (Owner Occupied), 0.50 points below the median of 6.74%, the median of all 1,247 advertised home loan rates from 83 lenders. Its highest savings account rate is 5.15% on Westpac Notice Saver 31, 60 & 90 days, 1.15 points above the median of 4.00%, the median of all 197 advertised savings account rates from 76 lenders. Westpac repriced 21 products in the last 30 days, most recently lifting Margin Lending on 13 October 2026, from 10.27% to 10.52%.
Home loans
| Product | Advertised rate | Comparison rate |
|---|---|---|
| Flexi First Option Home Loan - Veterans restricted | 3.25% | |
| Sustainable Upgrades Home Loan restricted | 4.74% | 4.74% |
| Sustainable Upgrades Investment Loan restricted | 4.74% | 4.74% |
| Flexi First : Our lowest online variable home loan rate (Owner Occupied) | 6.24% | 6.25% |
| Flexi First : Our lowest online variable home loan rate (Investor) | 6.39% | 6.40% |
| Rocket Loan : Variable Home Loan with Offset (Owner Occupied) | 6.64% | 7.01% |
| Fixed Rate Home Loan | 6.74% | 7.02% |
| Rocket Loan : Variable Home Loan with Offset (Investor) | 6.84% | 7.21% |
| Premium Options Home Loan | 9.08% | |
| Bridging Home Loan restricted | 9.57% | 9.39% |
| Variable Rate Investment Property Loan | 9.63% |
Savings accounts
| Product | Advertised rate |
|---|---|
| Westpac Notice Saver 31, 60 & 90 days | 5.15% |
| Westpac eSaver | 3.80% |
| Bump Savings | 3.55% |
| Business Cash Reserve Savings | 1.45% |
Term deposits
| Product | Advertised rate |
|---|---|
| Business Term Deposit | 5.20% |
| Term Deposit | 5.20% |
| Farm Management Deposit account | 4.75% |
Transaction accounts
| Product | Advertised rate |
|---|---|
| Westpac Life | 5.15% |
| Cash Investment Account | 3.00% |
| Westpac 55+ and Retired | 2.90% |
| Community Solutions Cash Reserve | 1.45% |
| Business Premium Cash Reserve | 1.30% |
Credit cards
| Product | Advertised rate |
|---|---|
| Westpac Lite Card | 9.90% |
| Low Rate Card | 13.74% |
| BusinessChoice Everyday Mastercard | 14.25% |
| Altitude Business Gold Mastercard | 20.24% |
| Altitude Business Platinum Mastercard | 20.24% |
| BusinessChoice Rewards Platinum Mastercard | 20.24% |
| Low Fee Card | 20.99% |
| Altitude Black Rewards World Mastercard | 23.98% |
| Altitude Qantas Black | 23.98% |
| Altitude Qantas Platinum | 23.98% |
| Altitude Rewards Platinum | 23.98% |
| Altitude Velocity Black | 23.98% |
| Altitude Velocity Platinum | 23.98% |
Personal loans
| Product | Advertised rate | Comparison rate |
|---|---|---|
| Car Loan | 5.74% | 7.16% |
| Unsecured Personal Loan | 7.29% | 8.69% |
| Flexi Loan | 18.99% |
Business loans
| Product | Advertised rate |
|---|---|
| Secured Business Loan | 8.16% |
| Unsecured Business Loan | 14.15% |
Overdrafts
| Product | Advertised rate |
|---|---|
| Business Overdraft | 8.36% |
| Unsecured Business Overdraft | 13.96% |
Margin loans
| Product | Advertised rate |
|---|---|
| Westpac Online Investment Loan | 8.60% |
| Absolute Investment Loan | 10.25% |
| Margin Lending | 10.25% |
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