Skip to main content Skip to main navigation
Skip to accessibility page Skip to search input

Fixed Home Loans Interest Rates

Below are the Fixed Rate Investment Property Loan interest rates with principal and interest repayments, interest only repayments and also the lower interest rates you'll pay if you package your new loan under our optional home loan package, Premier Advantage Package. An annual package fee of $395 applies.

Choosing the right repayment type.

Fixed Rate Investment Property Loan interest rates for principal and interest repayments

Term Interest rate Comparison rate1
1 year 4.69% p.a. 5.76% p.a.
2 years 4.09% p.a. 5.55% p.a.
3 years 4.19% p.a. 5.44% p.a.
4 years 4.99% p.a. 5.6% p.a.
5 years 4.59% p.a. 5.38% p.a.

Fixed Rate Investment Property Loan interest rates for principal and interest repayments under our home loan package, Premier Advantage package.

On new Fixed Rate Investment Property Loans where packaged home loans total $150,000 or more.
 

Term Package discount on new loan  Interest rate Comparison rate1
1 year 0.2% p.a. off the interest rate (conditions apply) 4.49% p.a. 5.44% p.a.
2 years 0.2% p.a. off the interest rate (conditions apply)  3.89% p.a. 5.27% p.a.
3 years 0.2% p.a. off the interest rate (conditions apply) 3.99% p.a. 5.19% p.a.
4 years 0.2% p.a. off the interest rate (conditions apply) 4.79% p.a. 5.38% p.a.
5 years 0.2% p.a. off the interest rate (conditions apply) 4.39% p.a. 5.19% p.a.

Interest rates shown are for fully documented loans. Find out more about our home loan package, Premier Advantage Package. Total packaged home loan(s) means all your new and existing home loans that are under Premier Advantage Package.

Fixed Rate Investment Property Loan interest rates for interest only repayments

Term Interest rate Comparison rate1
1 year 4.59% p.a. 6.07% p.a.
2 years 4.35% p.a. 5.89% p.a.
3 years 4.49% p.a. 5.78% p.a.
4 years 5.29% p.a. 5.94% p.a.
5 years 5.15% p.a. 5.82% p.a.

Fixed Rate Investment Property Loan interest rates for interest only repayments under our home loan package, Premier Advantage package.

On new Fixed Rate Investment Property Loans where packaged home loans total $150,000 or more.

Term Package discount on new loan  Interest rate Comparison rate1
1 year 0.2% p.a. off the interest rate (conditions apply) 4.39% p.a. 5.74% p.a.
2 years 0.2% p.a. off the interest rate (conditions apply)  4.15% p.a. 5.6% p.a.
3 years 0.2% p.a. off the interest rate (conditions apply) 4.29% p.a. 5.52% p.a.
4 years 0.2% p.a. off the interest rate (conditions apply) 5.09% p.a. 5.71% p.a.
5 years 0.2% p.a. off the interest rate (conditions apply) 4.95% p.a. 5.62% p.a.

Interest rates shown are for fully documented loans. Find out more about our home loan package, Premier Advantage Package. Total packaged home loan(s) means all your new and existing home loans that are under Premier Advantage Package.

SMSF Investment Property Loan Fixed interest rates for principal and interest repayments

Loan type not available for applications after the 30th of July 2018.

Term Annual interest rate2 Comparison rate1
1 year   5.99% p.a.  5.87% p.a.
2 year   5.99% p.a. 5.89% p.a.
3 year   6.09% p.a. 5.94% p.a.
4 year   6.39% p.a. 6.08% p.a.
5 year   6.39% p.a. 6.13% p.a.

 

Things you should know

Credit Criteria, fees and charges apply. Terms and conditions available on request. Based on Westpac's credit criteria, residential lending is not available for Non-Australian Resident borrowers.

Fixed rates: Interest Rates displayed are for Australian residents only. The Bank will apply the fixed rate that is available at the loan settlement date. At the end of the fixed rate period the interest rate will convert to the applicable variable home loan interest rate unless a new fixed rate term is selected and then the fixed rate is determined two business days prior to the refix.

#Premier Advantage Package: Conditions of Use and a $395 annual package fee applies. You must either hold or be approved for a Westpac Choice account in order to qualify and continue to receive the benefits of the Premier Advantage Package. Before deciding to acquire a Westpac Choice account, read the terms and conditions, and consider whether the product is right for you. 
Premier Advantage Package Conditions of Use (PDF 1MB)

1. Comparison rate: The comparison rate is based on a loan of $150,000 over the term of 25 years. WARNING: The comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.