Lenders › Westpac › Fixed Rate Home Loan
Westpac · Home loans
Fixed Rate Home Loan
Westpac's Fixed Rate Home Loan is a home loan. The figures are the ones Westpac publishes under the Consumer Data Right today. The advertised rate last moved on 18 September 2026, up from 6.34% to 6.74%.
Advertised rate
6.74%
headline tier
Comparison rate
7.02%
as published
Last moved
+0.40pp
18 September 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (120)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 1 year, Owner occupier, P&I, LVR up to 70%, packageLVR up to 70.00% | 6.74% | 7.02% |
| Fixed 1 year, Investor, Interest only, LVR up to 70%, package | 6.74% to 6.94% | 7.22% |
| Fixed 2 years, Investor, Interest only, LVR up to 70%, package | 6.74% to 6.94% | 7.23% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 70%, packageLVR up to 70.00% | 6.74% | 7.03% |
| Fixed 1 year, Investor, P&I, LVR up to 70%, packageLVR up to 70.00% | 6.84% | 7.21% |
| Fixed 1 year, Investor, Interest only, LVR 70 to 80%, package, lvr above 70% to 80% | 6.84% | 7.32% |
| Fixed 1 year, Owner occupier, P&I, LVR 70 to 80%, packageLVR 70% up to 80% | 6.84% | 7.12% |
| Fixed 2 years, Investor, P&I, LVR up to 70%, packageLVR up to 70.00% | 6.84% | 7.21% |
| Fixed 2 years, Owner occupier, P&I, LVR 70 to 80%, packageLVR 70% up to 80% | 6.84% | 7.13% |
| Fixed 2 years, Investor, Interest only, LVR 70 to 80%, package, lvr above 70% to 80% | 6.84% | 7.33% |
| Fixed 1 year, Investor, Interest only, LVR up to 70% | 6.94% to 7.14% | 9.40% |
| Fixed 1 year, Owner occupier, P&I, LVR up to 70%LVR up to 70.00% | 6.94% | 8.88% |
| Fixed 1 year, Investor, P&I, LVR 70 to 80%, packageLVR 70% up to 80% | 6.94% | 7.31% |
| Fixed 2 years, Investor, Interest only, LVR up to 70% | 6.94% to 7.14% | 9.17% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 70%LVR up to 70.00% | 6.94% | 8.67% |
| Fixed 2 years, Investor, P&I, LVR 70 to 80%, packageLVR 70% up to 80% | 6.94% | 7.31% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 70%, packageLVR up to 70.00% | 6.94% | 7.10% |
| Fixed 3 years, Investor, Interest only, LVR up to 70%, package | 6.99% to 7.19% | 7.32% |
| Fixed 1 year, Investor, P&I, LVR up to 70%LVR up to 70.00% | 7.04% | 9.37% |
| Fixed 1 year, Owner occupier, Interest only, LVR up to 70%, package | 7.04% | 7.05% |
| Fixed 1 year, Owner occupier, P&I, LVR 70 to 80%LVR 70% up to 80% | 7.04% | 8.98% |
| Fixed 1 year, Investor, Interest only, LVR 70 to 80%, lvr above 70% to 80% | 7.04% | 9.50% |
| Fixed 1 year, Investor, Interest only, LVR 70 to 80%, package, lvr 70% up to 80% | 7.04% | 7.31% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 70%, package | 7.04% | 7.08% |
| Fixed 2 years, Investor, P&I, LVR up to 70%LVR up to 70.00% | 7.04% | 9.12% |
| Fixed 2 years, Owner occupier, P&I, LVR 70 to 80%LVR 70% up to 80% | 7.04% | 8.77% |
| Fixed 2 years, Investor, Interest only, LVR 70 to 80%, lvr above 70% to 80% | 7.04% | 9.27% |
| Fixed 2 years, Investor, Interest only, LVR 70 to 80%, package, lvr 70% up to 80% | 7.04% | 7.32% |
| Fixed 3 years, Owner occupier, P&I, LVR 70 to 80%, packageLVR 70% up to 80% | 7.04% | 7.20% |
| Fixed 3 years, Investor, P&I, LVR up to 70%, packageLVR up to 70.00% | 7.09% | 7.28% |
| Fixed 3 years, Investor, Interest only, LVR 70 to 80%, package, lvr above 70% to 80% | 7.09% | 7.42% |
| Fixed 4 years, Owner occupier, P&I, LVR up to 70%, packageLVR up to 70.00% | 7.09% | 7.18% |
| Fixed 1 year, Investor, P&I, LVR 70 to 80%LVR 70% up to 80% | 7.14% | 9.47% |
| Fixed 1 year, Owner occupier, Interest only, LVR 70 to 80%, packageLVR 70% up to 80% | 7.14% | 7.15% |
| Fixed 1 year, Investor, Interest only, LVR 80 to 95%, packageLVR above 80% | 7.14% to 7.34% | 7.62% |
| Fixed 1 year, Owner occupier, P&I, LVR 80 to 95%, packageLVR above 80% | 7.14% | 7.42% |
| Fixed 2 years, Owner occupier, Interest only, LVR 70 to 80%, packageLVR 70% up to 80% | 7.14% | 7.18% |
| Fixed 2 years, Investor, P&I, LVR 70 to 80%LVR 70% up to 80% | 7.14% | 9.21% |
| Fixed 2 years, Owner occupier, P&I, LVR 80 to 95%, packageLVR above 80% | 7.14% | 7.43% |
| Fixed 2 years, Investor, Interest only, LVR 80 to 95%, packageLVR above 80% | 7.14% to 7.34% | 7.64% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 70%LVR up to 70.00% | 7.14% | 8.55% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 70%, packageLVR up to 70.00% | 7.14% | 7.24% |
| Fixed 3 years, Investor, Interest only, LVR up to 70% | 7.19% to 7.39% | 9.05% |
| Fixed 3 years, Investor, P&I, LVR 70 to 80%, packageLVR 70% up to 80% | 7.19% | 7.38% |
| Fixed 4 years, Investor, Interest only, LVR up to 70%, package | 7.19% to 7.39% | 7.43% |
| Fixed 4 years, Owner occupier, P&I, LVR 70 to 80%, packageLVR 70% up to 80% | 7.19% | 7.28% |
| Fixed 5 years, Investor, Interest only, LVR up to 70%, package | 7.19% to 7.39% | 7.47% |
| Fixed 1 year, Owner occupier, Interest only, LVR up to 70% | 7.24% | 8.92% |
| Fixed 1 year, Investor, Interest only, LVR 70 to 80%, lvr 70% up to 80% | 7.24% | 9.48% |
| Fixed 1 year, Investor, P&I, LVR 80 to 95%, packageLVR above 80% | 7.24% | 7.60% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 70% | 7.24% | 8.74% |
| Fixed 2 years, Investor, Interest only, LVR 70 to 80%, lvr 70% up to 80% | 7.24% | 9.24% |
| Fixed 2 years, Investor, P&I, LVR 80 to 95%, packageLVR above 80% | 7.24% | 7.60% |
| Fixed 3 years, Owner occupier, P&I, LVR 70 to 80%LVR 70% up to 80% | 7.24% | 8.65% |
| Fixed 5 years, Owner occupier, P&I, LVR 70 to 80%, packageLVR 70% up to 80% | 7.24% | 7.34% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 70%, package | 7.29% | 7.18% |
| Fixed 3 years, Investor, P&I, LVR up to 70%LVR up to 70.00% | 7.29% | 8.96% |
| Fixed 3 years, Investor, Interest only, LVR 70 to 80%, lvr above 70% to 80% | 7.29% | 9.15% |
| Fixed 3 years, Investor, Interest only, LVR 70 to 80%, package, lvr 70% up to 80% | 7.29% | 7.39% |
| Fixed 4 years, Owner occupier, P&I, LVR up to 70%LVR up to 70.00% | 7.29% | 8.45% |
| Fixed 4 years, Investor, Interest only, LVR 70 to 80%, package, lvr above 70% to 80% | 7.29% | 7.53% |
| Fixed 5 years, Investor, Interest only, LVR 70 to 80%, package, lvr above 70% to 80% | 7.29% | 7.57% |
| Fixed 1 year, Owner occupier, Interest only, LVR 70 to 80%LVR 70% up to 80% | 7.34% | 9.02% |
| Fixed 1 year, Investor, Interest only, LVR 80 to 95%LVR above 80% | 7.34% to 7.54% | 9.80% |
| Fixed 1 year, Owner occupier, P&I, LVR 80 to 95%LVR above 80% | 7.34% | 9.28% |
| Fixed 2 years, Owner occupier, Interest only, LVR 70 to 80%LVR 70% up to 80% | 7.34% | 8.84% |
| Fixed 2 years, Owner occupier, P&I, LVR 80 to 95%LVR above 80% | 7.34% | 9.07% |
| Fixed 2 years, Investor, Interest only, LVR 80 to 95%LVR above 80% | 7.34% to 7.54% | 9.57% |
| Fixed 3 years, Owner occupier, P&I, LVR 80 to 95%, packageLVR above 80% | 7.34% | 7.50% |
| Fixed 4 years, Investor, P&I, LVR up to 70%, packageLVR up to 70.00% | 7.34% | 7.40% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 70%LVR up to 70.00% | 7.34% | 8.35% |
| Fixed 5 years, Investor, P&I, LVR up to 70%, packageLVR up to 70.00% | 7.34% | 7.43% |
| Fixed 3 years, Investor, P&I, LVR 70 to 80%LVR 70% up to 80% | 7.39% | 9.06% |
| Fixed 3 years, Owner occupier, Interest only, LVR 70 to 80%, packageLVR 70% up to 80% | 7.39% | 7.28% |
| Fixed 3 years, Investor, Interest only, LVR 80 to 95%, packageLVR above 80% | 7.39% to 7.59% | 7.73% |
| Fixed 4 years, Investor, Interest only, LVR up to 70% | 7.39% to 7.59% | 8.97% |
| Fixed 4 years, Owner occupier, P&I, LVR 70 to 80%LVR 70% up to 80% | 7.39% | 8.55% |
| Fixed 5 years, Investor, Interest only, LVR up to 70% | 7.39% to 7.59% | 8.84% |
| Fixed 1 year, Investor, P&I, LVR 80 to 95%LVR above 80% | 7.44% | 9.77% |
| Fixed 2 years, Investor, P&I, LVR 80 to 95%LVR above 80% | 7.44% | 9.51% |
| Fixed 4 years, Investor, P&I, LVR 70 to 80%, packageLVR 70% up to 80% | 7.44% | 7.50% |
| Fixed 5 years, Investor, P&I, LVR 70 to 80%, packageLVR 70% up to 80% | 7.44% | 7.53% |
| Fixed 5 years, Owner occupier, P&I, LVR 70 to 80%LVR 70% up to 80% | 7.44% | 8.45% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 70% | 7.49% | 8.66% |
| Fixed 3 years, Investor, Interest only, LVR 70 to 80%, lvr 70% up to 80% | 7.49% | 9.10% |
| Fixed 3 years, Investor, P&I, LVR 80 to 95%, packageLVR above 80% | 7.49% | 7.68% |
| Fixed 4 years, Owner occupier, Interest only, LVR up to 70%, package | 7.49% | 7.31% |
| Fixed 4 years, Investor, Interest only, LVR 70 to 80%, lvr above 70% to 80% | 7.49% | 9.07% |
| Fixed 4 years, Investor, Interest only, LVR 70 to 80%, package, lvr 70% up to 80% | 7.49% | 7.49% |
| Fixed 4 years, Owner occupier, P&I, LVR 80 to 95%, packageLVR above 80% | 7.49% | 7.58% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 70%, package | 7.49% | 7.36% |
| Fixed 5 years, Investor, Interest only, LVR 70 to 80%, lvr above 70% to 80% | 7.49% | 8.94% |
| Fixed 5 years, Investor, Interest only, LVR 70 to 80%, package, lvr 70% up to 80% | 7.49% | 7.53% |
| Fixed 3 years, Owner occupier, P&I, LVR 80 to 95%LVR above 80% | 7.54% | 8.94% |
| Fixed 4 years, Investor, P&I, LVR up to 70%LVR up to 70.00% | 7.54% | 8.88% |
| Fixed 5 years, Investor, P&I, LVR up to 70%LVR up to 70.00% | 7.54% | 8.73% |
| Fixed 5 years, Owner occupier, P&I, LVR 80 to 95%, packageLVR above 80% | 7.54% | 7.63% |
| Fixed 3 years, Owner occupier, Interest only, LVR 70 to 80%LVR 70% up to 80% | 7.59% | 8.76% |
| Fixed 3 years, Investor, Interest only, LVR 80 to 95%LVR above 80% | 7.59% to 7.79% | 9.45% |
| Fixed 4 years, Owner occupier, Interest only, LVR 70 to 80%, packageLVR 70% up to 80% | 7.59% | 7.41% |
| Fixed 4 years, Investor, Interest only, LVR 80 to 95%, packageLVR above 80% | 7.59% to 7.79% | 7.84% |
| Fixed 5 years, Owner occupier, Interest only, LVR 70 to 80%, packageLVR 70% up to 80% | 7.59% | 7.46% |
| Fixed 5 years, Investor, Interest only, LVR 80 to 95%, packageLVR above 80% | 7.59% to 7.79% | 7.89% |
| Fixed 4 years, Investor, P&I, LVR 70 to 80%LVR 70% up to 80% | 7.64% | 8.97% |
| Fixed 5 years, Investor, P&I, LVR 70 to 80%LVR 70% up to 80% | 7.64% | 8.82% |
| Fixed 3 years, Investor, P&I, LVR 80 to 95%LVR above 80% | 7.69% | 9.35% |
| Fixed 4 years, Owner occupier, Interest only, LVR up to 70% | 7.69% | 8.61% |
| Fixed 4 years, Investor, Interest only, LVR 70 to 80%, lvr 70% up to 80% | 7.69% | 9.00% |
| Fixed 4 years, Owner occupier, P&I, LVR 80 to 95%LVR above 80% | 7.69% | 8.85% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 70% | 7.69% | 8.52% |
| Fixed 5 years, Investor, Interest only, LVR 70 to 80%, lvr 70% up to 80% | 7.69% | 8.86% |
| Fixed 4 years, Investor, P&I, LVR 80 to 95%, packageLVR above 80% | 7.74% | 7.80% |
| Fixed 5 years, Investor, P&I, LVR 80 to 95%, packageLVR above 80% | 7.74% | 7.83% |
| Fixed 5 years, Owner occupier, P&I, LVR 80 to 95%LVR above 80% | 7.74% | 8.74% |
| Fixed 4 years, Owner occupier, Interest only, LVR 70 to 80%LVR 70% up to 80% | 7.79% | 8.71% |
| Fixed 4 years, Investor, Interest only, LVR 80 to 95%LVR above 80% | 7.79% to 7.99% | 9.37% |
| Fixed 5 years, Owner occupier, Interest only, LVR 70 to 80%LVR 70% up to 80% | 7.79% | 8.62% |
| Fixed 5 years, Investor, Interest only, LVR 80 to 95%LVR above 80% | 7.79% to 7.99% | 9.24% |
| Fixed 4 years, Investor, P&I, LVR 80 to 95%LVR above 80% | 7.94% | 9.26% |
| Fixed 5 years, Investor, P&I, LVR 80 to 95%LVR above 80% | 7.94% | 9.12% |
Rate moves, last 30 days
- 9 October 2026: 6 tiers lifted 0.40pp; the lowest, Fixed 2 years, Owner occupier, P&I, LVR 80 to 95%, package, from 6.74% to 7.14%.
- 9 October 2026: 10 tiers lifted 0.45pp; the lowest, Fixed 3 years, Investor, Interest only, LVR 80 to 95%, package, from 6.94% to 7.39%.
- 9 October 2026: 4 tiers lifted 0.50pp; the lowest, Fixed 4 years, Investor, P&I, LVR 80 to 95%, package, from 7.24% to 7.74%.
Published fees
| Fee | Amount |
|---|---|
| Annual Package Feerecurring: For customers opting for Premier Advantage Package | $395 |
| Lending Establishment Feeupfront | $600 |
| Monthly Loan Account Feerecurring | $8 |
| Fixed Rate - Lock-In Feewhen it happens: 0.10% of loan amount for new lending 0.10% for refixes. | see lender |
| Lenders Mortgage Insurance Premiumupfront: If your deposit is less than 20% then Lenders Mortgage Insurance is usually required. | see lender |
| Bank Cheque Issuance Feewhen it happens: $10 per cheque (1st cheque is free) | $10 |
| Break Cost Feewhen it happens | see lender |
| Missed Payment Feelate payment: If applicable | $15 |
| Account Overdrawn Feewhen it happens | $15 |
| Document Processing Feewhen it happens | $100 |
| Property Valuer Feewhen it happens | see lender |
| Loan Discharge Feeon exit | $350 |
Other Westpac home loans
Flexi First Option Home Loan - Veterans 3.25%Sustainable Upgrades Home Loan 4.74%Sustainable Upgrades Investment Loan 4.74%Flexi First : Our lowest online variable home loan rate (Owner Occupied) 6.24%Flexi First : Our lowest online variable home loan rate (Investor) 6.39%Rocket Loan : Variable Home Loan with Offset (Owner Occupied) 6.64%Rocket Loan : Variable Home Loan with Offset (Investor) 6.84%Premium Options Home Loan 9.08%Bridging Home Loan 9.57%Variable Rate Investment Property Loan 9.63%
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