Lenders › Westpac › Rocket Loan : Variable Home Loan with Offset (Owner Occupied)
Westpac · Home loans
Rocket Loan : Variable Home Loan with Offset (Owner Occupied)
Westpac's Rocket Loan : Variable Home Loan with Offset (Owner Occupied) 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 6.39% to 6.64%.
Advertised rate
6.64%
headline tier
Comparison rate
7.01%
as published
Last moved
+0.25pp
9 October 2026
Advertised rate, last 30 days. Between 6.39% and 6.64% over the last 30 days.
Every current rate (10)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 70%, package | 6.64% | 7.01% |
| Variable, Owner occupier, P&I, LVR 70 to 80%, packageLVR above 70% to 80% | 6.74% | 7.11% |
| Variable, Owner occupier, P&I, LVR 80 to 95%, packageLVR above 80% | 7.04% | 7.41% |
| Variable, Owner occupier, Interest only, LVR up to 70%, package | 7.23% | 7.25% |
| Variable, Owner occupier, Interest only, LVR 70 to 80%, packageLVR above 70% to 80% | 7.33% | 7.35% |
| Variable, Owner occupier, P&I, LVR up to 70% | 8.98% | 9.12% |
| Variable, Owner occupier, P&I, LVR 70 to 80%LVR above 70% to 80% | 9.08% | 9.22% |
| Variable, Owner occupier, P&I, LVR 80 to 95%LVR above 80% | 9.38% | 9.52% |
| Variable, Owner occupier, Interest only, LVR up to 70% | 9.57% | 9.39% |
| Variable, Owner occupier, Interest only, LVR 70 to 80%LVR above 70% to 80% | 9.67% | 9.49% |
Rate moves, last 30 days
- 9 October 2026: 10 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR up to 70%, package, from 6.39% to 6.64%.
Published fees
| Fee | Amount |
|---|---|
| Lending Establishment Feeupfront | $600 |
| Bank Cheque Issuance Feewhen it happens: $10 per cheque (1st cheque is free) | $10 |
| Monthly Loan Account Feerecurring | $8 |
| Missed Payment Feelate payment: If applicable | $15 |
| Document Processing Feewhen it happens | $100 |
| Account Overdrawn Feewhen it happens | $15 |
| Loan Discharge Feeon exit | $350 |
| Stop Payment Feewhen it happens | $12 |
| Annual Package Feerecurring: For customer opting for Premier Advantage Package | $395 |
| 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 |
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%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%
Get an email the morning Westpac moves this rate.
Every Westpac rate · every home loan rate compared · other lenders · this product in the explorer.