Home loans – rates, calculators & comparison (2024)

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Home Lender of the Year

Whether you’re buying your first home, next home or an investment property, we’ve got a range of fixed and variable rate home loans to help you get there.

Enquire now Start applying today

Help me with...

First home buyer loans
Bridging loans

Investment property loans
Home loan refinance

Construction loans
Manage my home loan

Our home loans

Understand the difference between loan purposes(a property to live in vs. an investment)

Bankwest Simple Home Loan

Variable Rate Home Loan

Get started with a smaller deposit and save on fees along the way.

Borrow up to 98% (including Lenders Mortgage Insurance) of the property value
Save with no application fee (usually $695) and no annual fee (other fees and charges may apply)
Make extra repayments or redraw at no extra cost
100% offset facility available with a $10 monthly fee1Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.

Learn more

6.34%
p.a.

Variable rate

6.36%
p.a.

Comparison rate

For borrowings from 60.01% - 80% of the property value.
For principal and interest repayments?
Understand the comparison rate

Learn more

Complete Variable Home Loan Package

A variable home loan, plus the flexibility to add on other good stuff – like multiple offset accounts and an eligible credit card.

$395 annual fee
No application fee (other fees and charges may apply)
Multiple100%offset accounts available1Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
Choose to make weekly, fortnightly or monthly repayments?If you decide to pay interest only, only monthly repayments are permitted.

Learn more

6.99%
p.a.

Variable rate

7.37%
p.a.

Comparisonrate

For borrowings up to 90% (including Lenders Mortgage Insurance) of the property value and loan sizes of $200,000+. Various tiers apply.
For principal and interest repayments?
Understand the comparison rate

Learn more

Complete Fixed Home Loan Package

A fixed home loan, plus the flexibility to add on other good stuff – like multiple offset accounts and an eligible credit card.

$395 annual fee
No application fee (other fees and charges may apply)
Multiple40% offset accounts available1Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
Choose to make weekly, fortnightly or monthly repayments?If you decide to pay interest only, only monthly repayments are permitted.

Learn more

6.29%
p.a.

3 year fixed rate

7.16%
p.a.

Comparison rate

For borrowings up to 80% of the property value and loan sizes of $200,000+.
For principal and interest repayments?
Understand the comparison rate

Learn more

Fixed Rate Home Loan

For those who want the certainty of regular repayments, the Fixed Rate Home Loan lets you lock in your interest rate for one to five years.

Save $400 on the application fee(other fees and charges may apply)
Fix from one to five years
40% offset facility available2Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. No offset fee applies during the fixed term although a$12 monthly loan maintenance fee applies. At the end of the fixed term, a$10 monthly offset fee applies per offset account. Monthly offset fee is charged to the offset account, not the home loan.

Learn more

6.49%
p.a.

3 year fixed rate

8.31%
p.a.

Comparison rate

For borrowings up to 80% of the property value.
For principal and interest repayments?
Understand the comparison rate

Learn more

Bankwest Simple Home Loan

Variable Rate Home Loan

Get started with a smaller deposit and save on fees along the way.

Borrow up to 95% (including Lenders Mortgage Insurance) of the property value
Save with no application fee (usually $695) and no annual fee (other fees and charges may apply)
Make extra repayments or redraw at no extra cost
100% offset facility available with a $10 monthly fee per offset account1Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.

Learn more

6.49%
p.a.

Variable rate

6.51%
p.a.

Comparison rate

For borrowings from 60.01% - 80% of the property value.
For principal and interest repayments?
Understand the comparison rate

Learn more

Complete Variable Home Loan Package

A variable home loan, plus the flexibility to add on other good stuff – like multiple offset accounts and an eligible credit card.

$395 annual fee
No application fee (other fees and charges may apply)
Multiple100%offsetaccounts available1Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
For investment properties, receive a saving on the cost of a depreciation schedule prepared by DEPPRO Pty Ltd3If you take out a Bankwest home loan for investment purposes, you will be contacted by DEPPRO Pty Ltd. Bankwest does not endorse or approve the depreciation schedule prepared by DEPPRO Pty Ltd.

Learn more

Complete Fixed Home Loan Package

A fixed home loan, plus the flexibility to add on other good stuff – like multiple offset accounts and an eligible credit card.

$395 annual fee
No application fee (other fees and charges may apply)
Multiple40% offsetaccounts available1Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
For investment properties, receive a saving on the cost of a depreciation schedule prepared by DEPPRO Pty Ltd3If you take out a Bankwest home loan for investment purposes, you will be contacted by DEPPRO Pty Ltd. Bankwest does not endorse or approve the depreciation schedule prepared by DEPPRO Pty Ltd.

Learn more

6.49%
p.a.

3 year fixed rate

7.84%
p.a.

Comparison rate

For borrowings up to 90% of the property value and loan sizes of $200,000+.
For principal and interest repayments?
Understand the comparison rate

Learn more

Fixed Rate Home Loan

For those who want the certainty of regular repayments, the Fixed Rate Home Loan lets you lock in your interest rate for one to five years.

Save $400 on the application fee(other fees and charges may apply)
Fix from one to five years
40% offset facility available2Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. No offset fee applies during the fixed term although a$12 monthly loan maintenance fee applies. At the end of the fixed term, a$10 monthly offset fee applies per offset account. Monthly offset fee is charged to the offset account, not the home loan.

Learn more

6.69%
p.a.

3 year fixed rate

8.80%
p.a.

Comparison rate

For borrowings up to 90% of the property value.
For principal and interest repayments?
Understand the comparison rate

Learn more

See detailed comparison

What’s the comparison rate?
It’s a tool that can help you identify the truer cost of a loan. It’s calculated using a standard formula that includes the interest rate, as well as certain fees and charges relating to a loan (not all fees and charges are included).

Comparison rate warning:
Comparison rate is calculated on the statutory assumption of $150,000 loan over 25 years but the minimum required loan amount is $200,000 for the Complete Home Loan Package. Different rates apply for different loan amounts and may depend on the duration of a fixed rate period or the ratio of the loan amount to the property value. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.