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Westpac · Home loans
Flexi First : Our lowest online variable home loan rate (Investor)
Westpac's Flexi First : Our lowest online variable home loan rate (Investor) is a home loan. The figures are the ones Westpac publishes under the Consumer Data Right today. The advertised rate last moved on 9 October 2026, up from 6.14% to 6.39%.
Advertised rate
6.39%
headline tier
Comparison rate
6.40%
as published
Last moved
+0.25pp
9 October 2026
Advertised rate, last 30 days. Between 6.14% and 6.39% over the last 30 days.
Every current rate (6)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Investor, P&I, LVR up to 70% | 6.39% to 6.99% | 6.40% |
| Variable, Investor, P&I, LVR 70 to 80%LVR above 70% to 80% | 6.49% to 7.09% | 6.50% |
| Variable, Investor, Interest only, LVR up to 70% | 6.64% to 7.49% | 6.26% |
| Variable, Investor, Interest only, LVR 70 to 80%LVR above 70% to 80% | 6.74% to 7.59% | 6.36% |
| Variable, Investor, P&I, LVR 80 to 95%LVR above 80% | 7.39% | 7.40% |
| Variable, Investor, Interest only, LVR 80 to 90%LVR above 80% | 7.89% | 7.61% |
Rate moves, last 30 days
- 9 October 2026: 6 tiers lifted 0.25pp; the lowest, Variable, Investor, P&I, LVR up to 70%, from 6.14% to 6.39%.
Published fees
| Fee | Amount |
|---|---|
| Lending Establishment Feeupfront | $0 |
| Bank Cheque Issuance Feewhen it happens: $10 per cheque (1st cheque is free) | $10 |
| Monthly Loan Account Feerecurring | $0 |
| Missed Payment Feelate payment: If applicable | $15 |
| Document Processing Feewhen it happens | $100 |
| Account Overdrawn Feewhen it happens | $15 |
| Loan Discharge Feeon exit | $350 |
| Lenders Mortgage Insurance Premiumupfront: If your deposit is less than 20% then Lenders Mortgage Insurance is usually required. | see lender |
| Property Valuer Feewhen it happens | see lender |
| Extra repaymentswhen it happens | $0 |
| Redrawwhen it happens: If activated and extra funds are available | $0 |
| Repayment holidays or Reduced Repaymentswhen it happens: Repayment holidays or Reduced Repayments of up to 50% for up to 12 months (subject to approval) | $0 |
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%Rocket Loan : Variable Home Loan with Offset (Owner Occupied) 6.64%Fixed Rate Home Loan 6.74%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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