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Sustainable Upgrades Home Loan
Westpac's Sustainable Upgrades Home Loan is a home loan open only to a stated occupation, employer or membership. The figures are the ones Westpac publishes under the Consumer Data Right today. The advertised rate last moved on 9 October 2026, up from 4.49% to 4.74%.
Advertised rate
4.74%
headline tier
Comparison rate
4.74%
as published
Last moved
+0.25pp
9 October 2026
Advertised rate, last 30 days. Between 4.49% and 4.74% over the last 30 days.
Every current rate (1)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I | 4.74% | 4.74% |
Rate moves, last 30 days
- 9 October 2026: Variable, Owner occupier, P&I lifted 0.25pp, from 4.49% to 4.74%.
Published fees
| Fee | Amount |
|---|---|
| Monthly Account Feerecurring | $0 |
| Lending Establishment Feeupfront | $0 |
| Bank Cheque Issuance Feewhen it happens: $10 per cheque (1st cheque is free) | $10 |
| Loan Account Feerecurring | $0 |
| Missed Payment Feelate payment: If applicable | $15 |
| Document Processing Feewhen it happens | $0 |
| Account Overdrawn Feewhen it happens | $15 |
| Loan Discharge Feeon exit | $350 |
Other Westpac home loans
Flexi First Option Home Loan - Veterans 3.25%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%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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