Home loans Home loans

Who can apply?

• Australian residents can apply for all home and investment property loans
• Non-permanent residents can apply for investment property loans only
• If you’re not a current resident but are moving to Australia, you must apply through Migrant Banking.

Note: Do not submit this application if your loan is for a business or business purposes.

What you need to know or compile before applying

• Gross and net monthly salary figures
• Income details from the previous 2 years’ tax returns if you are self-employed (gross and net values)
• Salary or employment number
• Current employer's address and phone number
• Details of previous employment if you have been in your current job for less than three years
• Driver's licence number
• Any current account number if you are a Westpac customer
• Details of your previous address if you have been at your current address for less than three years
• Evidence of assets and liabilities including bank accounts, shares, life insurance, motor vehicles and personal effects.

The online application process

It will take around 20 minutes to complete your online application. Here's how it works:

1. You complete and submit the online application after agreeing to declarations and authorities
2. We phone or email you within 24 hours to provide pre-approval.
3. Once we receive all your documentation and supporting evidence, we advise you within 5 to 7 business days whether your finance has been approved and to discuss next steps.

How to apply for a Premier Advantage home loan package

If you are applying for a home loan under the Premier Advantage Package email one of our home loan experts, and we will contact you to discuss your options.

Access the latest home loan interest rates

Westpac provides home loan applicants with a list of current interest rates and comparison rates. To download your copy, please visit our comparison rate schedules.

What happens next? 

Whether you have applied online, at a branch, through a mobile manager, a mortgage broker or over the phone, you can review the status of your application. Make sure you have your Loan Application Number.

Is your information secure?

When you submit your loan application over the Internet, it is protected from unauthorised access by a method called encryption. Encryption is a way of coding information using random mathematical ‘keys’ so that only you and the bank can unscramble the information. These keys are generated for each loan application and are erased when your session ends.

Purpose statement

The personal information we collect from you in this application form and which you may subsequently provide to an authorised Westpac sales representative, will be used to assess your application for a home loan, and if approved, for administration of the loan, marketing, planning, product development and research purposes.

It may be disclosed to other members of the Westpac Group (which means Westpac Banking Corporation and its related bodies corporate which include Westpac General Insurance Limited and Westpac Financial Services Limited), service providers who do things on our behalf (e.g. mailing house) or to other third parties where it is required or allowed by law or where you have otherwise consented.

You can access this information by calling 132 032. If you do not provide this information your application may not be accepted.

Who to contact for help with business loans

If you need help with business loans call Business Direct on 132 651 or visit your local Westpac branch.