Skip to main content Skip to main navigation
Skip to access and inclusion page Skip to search input

Home loan offers

Exclusive variable rate

Corporate Partner exclusive

Enjoy an extra 0.10% p.a. interest rate discount1 on a new packaged# variable Rocket Repay home loan with optional offset – for the life of your loan. That’s a saving of around $12k over 30 years on a $500k loan2. Eligibility and credit criteria, fees and conditions apply.

Year 1 package fee waiver

Corporate Partner exclusive

$395 annual package fee’s waived3 for the first year only (package# includes loan rate discount, no credit card annual fee, Home or Landlord Insurance discount). Minimum loan size $150k. Eligibility and credit criteria, fees and conditions apply.

Low deposit professions

If you're a professional within certain sectors – like medical, accounting, law, executive, sports and entertainment – you could qualify for up to 95% LVR, with no need to pay Lenders Mortgage Insurance8. Eligibility and credit criteria, fees and conditions apply.

Home Guarantee Scheme

Buy your own home with a low deposit of 2-5% and no Lenders Mortgage Insurance (LMI) on your Westpac home loan, if you're eligible for this government-initiated scheme5.

Everyday banking offers

A year of monthly account fees waived

Corporate Partner exclusive

$5 monthly account keeping fee6 waived for the first 12 months.

Cashback with ShopBack

We've partnered with ShopBack to bring you bonus cashback## in your ShopBack account. Simply shop via their app – using your Westpac debit or credit card – for great deals from over 4,000 online, in-store and gift card brands.

Personal loan offers

No establishment fee

Corporate Partner exclusive

Apply for a new 1-7 year Westpac unsecured or secured (car) personal loan. If approved, the establishment fee will be waived7, saving $250. Offer can’t be used with any other promotion, and may be changed or withdrawn any time.

Switching to solar

Already banking with Westpac? Enjoy a special fixed rate of 8.99% p.a.4 (10.17% p.a. comparison rate) when you take out a new Unsecured Personal Loan to install solar panels or a battery. T&Cs apply.

Electric car offer

You'll get a flat fixed rate of 5.99% p.a.~ (7.20% p.a. comparison rate) over 7 years if you use a Westpac Car Loan to buy an eligible electric or hybrid car^^. T&Cs apply.

How to take advantage of your offers

1. Book an appointment

Let us know which workplace or member group you belong to.

2. We'll be in touch

We’ll call you back within 1 business day to match you with a dedicated banker.

3. Meet your banker

They can meet on video chat, the phone, at your organisation or even at home.

Things you should know

Conditions, credit criteria, fees and charges apply. Residential lending is not available for Non-Australian Resident borrowers.

This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information and if necessary, seek appropriate professional advice. This includes any tax consequences arising from any promotions for investors and customers should seek independent, professional tax advice on any taxation matters before making a decision based on this information.

Key Fact Sheet for Home Loans


Program eligibility. If you didn’t receive the link to this Corporate Partners Program site directly from your organisation, you may be ineligible to receive Program benefits. To check, ask your employer, community group or government organisation if they’re a Westpac Corporate Partner e.g. contact your group coordinator, HR or department head. If you still have questions, fill in a few details and one of our team will aim to get back to you within one business day.


Personal Loan Contract Terms and Conditions (PDF 394KB) - for customers approved before 18 March 2024.
Personal Loan Contract Terms and Conditions (PDF 210KB) - ​for customers who apply, or are approved, on or after 18 March 2024.​

Online Banking Terms and Conditions (PDF 555KB)

Deposit Accounts for Personal & SMSF customers - Terms & Conditions (PDF 620KB)

Find out what information you need to provide to become a customer (PDF 657KB)


1Eligibility, credit criteria, fees and conditions apply. Exclusive offer for eligible Corporate Partner members or employees only. Offer includes additional 0.10% p.a. interest rate discount on new packaged# Variable Rate home loan and $395 package fee waiver for the first year ($395 annual fee applies after the first year).  This offer may be varied or withdrawn at any time. Eligibility of the primary applicant must be confirmed at the start of the application. Offer available on Owner Occupier (Principal & Interest), Owner Occupier (Interest Only), Investment Property (Principal & Interest) and Investment Property (Interest Only) home loans. Minimum loan size of $150,000. Offer not available for loans originated through a mortgage broker, introducer, paid referrer (Mortgage Alliance) and residential lending originated under family or company trusts.


2This is an estimate of potential savings; actual savings may differ depending on your situation. Estimated savings amount calculated on a $500,000 home loan on 7.44% p.a. compared to 7.34% p.a. over a 30-year loan term. Premier Advantage Package Conditions of Use $395 annual package fee applies.


3The annual package fee of $395 is waived for the first year only for Corporate Partner members and employees. The annual package fee will be payable from an eligible Westpac Choice transaction account after the first year. Discount applies at the time of application when you tell us you're a Premier Advantage Package customer.


4. Solar + Battery Special Offer of 8.99% p.a. (comparison rate 10.17% p.a.) is available to existing customers who apply, are approved and accept an Unsecured Personal Loan contract for a loan amount of more than $10,000 before 29 January 2025. Application must be submitted via the Apply now button on website page in branch or by calling 1300 720 697. This offer cannot be used in conjunction with any other offer and may be varied or withdrawn at any time.


5To find out more visit the Home Guarantee Scheme page. Once our allocation of loans under the scheme has been exhausted, standard lending approval criteria, including the need for LMI and LDP where appropriate, will apply. Credit provided by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.


6Westpac Choice fee waiver: Offer available to new and existing Westpac Choice customers who open a new individual Westpac Choice account. Customers' identity must first be verified by the bank in-branch to receive this offer. Offer limited to one $5 monthly account keeping fee, waived for 12 months per customer. Fees and charges apply. Please read the terms and conditions at before making a decision and consider whether the product is appropriate for you. 


7$0 establishment fee: Information correct as at 27 November 2019. The Establishment Fee waiver is available to Corporate Partners active business partners who apply and complete an application for a new Westpac Unsecured or Car Personal Loan in branch. If approved, the Establishment fee will be waived, saving $250. This offer waiver cannot be used in conjunction with any other offer promotion and may be varied or withdrawn at any time. All other fees outlined on public website Personal Loan product pages. Unless otherwise specified, the products and services described on this website are available only in Australia.


8Medical Professionals lenders mortgage insurance: Credit criteria, fees and charges apply. Terms and conditions available on request. Application subject to credit approval and lending criteria. Lenders mortgage insurance may be waived with a 5-10% deposit for eligible medical professionals. Eligible medical professionals include dentists, general practitioners, hospital employed doctors, medical specialists, optometrists, pharmacists, veterinary practitioners, physiotherapists (minimum income thresholds apply) and chiropractors (minimum income thresholds apply). Applicant must be an Australian citizen, approved permanent visa holder or Temporary 482 TSS Medium-Term (MLTSSL) visa holders. 

Industry Professionals lenders mortgage insurance: Credit criteria, fees and charges apply. Terms and conditions available on request. Application subject to credit approval and lending criteria. Lenders mortgage insurance will be waived with a 10% deposit for eligible accountants. Eligible industry professional includes qualified accountant with a current membership from one of the following: Institute of Public Accountants, Chartered Accountants Australian and New Zealand, CPA Australia, Chartered Financial Analyst Institute Australia or Fellowship of the Institute of Actuaries of Australia. Eligible industry professional must provide evidence dated within the last 12 months of Practising Certificate allowing them to practice as a lawyer, solicitor or barrister in the Australian State or Territory that they currently practice in. Applicant must have a minimum gross taxable income of $120,000 p.a. Applicant must be an Australian citizen or approved permanent visa holder.


#Premier Advantage Package: Conditions of Use and $395 annual package fee applies. You must either hold or be approved for a Westpac Choice transaction account in order to qualify and continue to receive the benefits of the Premier Advantage Package. Applicants must have a Westpac Choice transaction account linked to the home loan at the time of settlement and must keep this account open for 60 days after settlement. Before deciding to acquire a Westpac Choice account, read the terms and conditions, and consider whether the product is right for you. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.
Premier Advantage Package Conditions of Use (PDF 120KB)


#Cashback (including Westpac bonus Cashback) is offered by ShopBack and not Westpac Banking Corporation (Westpac). Cashback offers are not exclusive to Westpac cardholders. Westpac bonus Cashback is offered exclusively to Westpac cardholders who have access to bonus Cashback on top of any other available Cashback. Offer information displayed in the Westpac App are provided by ShopBack. The ShopBack account is not a Westpac account. To earn any Cashback, you must hold and maintain an account with ShopBack. Cashback is paid into your ShopBack account. Eligibility criteria, Cashback redemption, withdrawal conditions and T&Cs apply. See ShopBack for further details.


^Comparison rates: Comparison rates help you understand the true cost of a loan. All comparison rate examples shown are for a personal loan amount of $30,000 and a term of 5 years. WARNING: Comparison rates apply only to the example or examples given and may not include all fees and charges. Different loan 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.


~Car Loan for eligible Electric or Hybrid engine types is subject to an interest rate discount of 0.5% p.a., applied at the time of application. Electric and Hybrid Car Loan interest rate, inclusive of 0.5% p.a. discount, is 5.99% p.a (comparison rate 7.20% p.a.^)


^^To qualify for a Car Loan, applicant must meet all credit criteria and the car offered as security must meet all criteria - either new or if used, cannot be older than 7 years at time of application, registered under the applicant's name, has been made locally or imported by the manufacturer, has never been written off (even if it was repaired), has a paid, fully comprehensive insurance policy with Westpac noted as the financier and is for personal use only. The loan amount may exceed the vehicle's market value, as reported by Redbook, to cover the purchase price of the vehicle and other expenses. If you're using a Westpac Car Loan to buy an electric or hybrid car, check our list of eligible vehicles. (PDF 8MB)