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Fixed Home Loans Interest Rates

Fixed Rate Investment Property Loan Special Offers with principal and interest repayments##


Term Interest rate Comparison rate1
Principal and Interest Repayments

2 years

For new Investor home loans under Premier Advantage Package# special offer, which includes a 0.34% p.a. discount.
$395 annual package fee. Min loan $150k. For new loans submitted from 5 June 2018.

4.05% p.a

 

5.34% p.a1

3 years

For new Investor home loans under Premier Advantage Package# special offer, which includes a  0.30% p.a. discount.
$395 annual package fee. Min loan $150k. For new loans submitted from 5 June 2018.

4.19% p.a 5.29 % p.a1

5 years

For new Investor home loans under Premier Advantage Package# special offer, which includes a 0.50% p.a. discount.
$395 annual package fee. Min loan $150k. For new loans submitted from 5 June 2018.

4.49% p.a

5.26% p.a1

Fixed Rate Investment Property Loan Special Offers with interest only repayments##

Term Interest rate Comparison rate1
Interest Only Repayments

1 years

For new Investor home loans under Premier Advantage Package# special offer, which includes a 0.50% p.a. discount.
$395 annual package fee. Min loan $150k. For new loans submitted from 5 June 2018.

4.39% p.a. 5.93% p.a.1

2 years

For new Investor home loans under Premier Advantage Package# special offer, which includes a  0.50% p.a. discount.
$395 annual package fee. Min loan $150k. For new loans submitted from 5 June 2018.

4.15% p.a. 5.76% p.a.1
3 years
For new Investor# home loans under Premier Advantage Package# special offer, which includes a 0.45% p.a. discount.
$395 annual package fee. Min loan $150k. For new loans submitted from 5 June 2018.

4.29% p.a.

 

5.67% p.a. 1

5 years

For new Investor# home loans under Premier Advantage Package# special offer, which includes a 0.34% p.a. discount.
$395 annual package fee. Min loan $150k. For new loans submitted from 5 June 2018.

 
 4.95% p.a.

 

 5.74% % p.a.1

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. 0.06% p.a.
2 years 4.39% p.a. 5.66% p.a.
3 years 4.49% p.a. 5.59% p.a.
4 years 4.99% p.a. 5.64% p.a.
5 years 4.99% p.a. 5.58% p.a.
6 years 6.2% p.a. 6.13% p.a.
7 years 6.7% p.a. 6.44% p.a.
9 years 6.7% p.a. 6.54% p.a.
10 years 6.7% p.a. 6.59% 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. 5.49% p.a.
2 years 0.2% p.a. off the interest rate (conditions apply)  4.19% p.a. 5.37% p.a.
3 years 0.2% p.a. off the interest rate (conditions apply) 4.29% p.a. 5.31% p.a.
4 years 0.2% p.a. off the interest rate (conditions apply) 4.79% p.a. 5.42% p.a.
5 years 0.2% p.a. off the interest rate (conditions apply) 4.79% p.a. 5.39% p.a.
6 years 0.2% p.a. off the interest rate (conditions apply) 6% p.a. 5.96% p.a.
7 years 0.2% p.a. off the interest rate (conditions apply) 6.5% p.a. 6.29% p.a.
9 years  0.2% p.a. off the interest rate (conditions apply) 6.5% p.a. 6.43% p.a.
10 years 0.2% p.a. off the interest rate (conditions apply) 6.5% p.a. 6.49% 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 4.89% p.a. 0.06% p.a.
2 years 4.65% p.a. 6.11% p.a.
3 years 4.74% p.a. 6% p.a.
4 years 5.29% p.a. 6.07% p.a.
5 years 5.29% p.a. 6% p.a.
6 years 6.67% p.a. 6.62% p.a.
7 years 7.17% p.a. 6.94% p.a.
9 years 7.17% p.a. 7.03% p.a.
10 years 7.17% p.a. 7.07% 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) 4.69% p.a. 5.96% p.a.
2 years 0.2% p.a. off the interest rate (conditions apply)  4.45% p.a. 5.82% p.a.
3 years 0.2% p.a. off the interest rate (conditions apply) 4.54% p.a. 5.74% p.a.
4 years 0.2% p.a. off the interest rate (conditions apply) 5.09% p.a. 5.84% p.a.
5 years 0.2% p.a. off the interest rate (conditions apply) 5.09% p.a. 5.8% p.a.
6 years 0.2% p.a. off the interest rate (conditions apply) 6.47% p.a. 6.44% p.a.
7 years 0.2% p.a. off the interest rate (conditions apply) 6.97% p.a. 6.78% p.a.
9 years  0.2% p.a. off the interest rate (conditions apply) 6.97% p.a. 6.91% p.a.
10 years 0.2% p.a. off the interest rate (conditions apply) 6.97% p.a. 6.97% 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.

Things you should know

Premier Advantage Package Terms and Conditions (PDF 1MB)

Discounts do not apply to internal refinances and are not transferable between loans. Package benefits cannot be taken in conjunction with, or in addition to other special offers, negotiated rates or discounts.

The discount on existing loans within a package is that offered at the time you settled your loan.  Any new packaged loans will have the benefit of the discounts set out above, subject to any conditions apply.

To qualify and continue to receive the benefits of the Package you must either hold or are approved for a Westpac Choice transaction account.  Before deciding to acquire a Westpac Choice account, consider whether it is appropriate for you by reading the terms and conditions for this account in our Deposit Accounts for Personal and Self-Managed Superannuation Fund Customers terms and conditions (PDF 614KB)

 

#Premier Advantage Package Conditions of Use. Premier Advantage Package Terms and Conditions apply and are available at westpac.com.au. Annual package fee of $395 applies. Package benefits cannot be taken in conjunction with, or in addition to other special offers, negotiated rates or discounts. 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. Applications must also meet our approval guidelines on individual products to qualify for relevant package discounts.

Premier Advantage Package Conditions of Use (PDF 1MB)

 

1. More on comparison rates

This comparison rate is based on a secured loan of $150,000 over the term of 25 years.  WARNING: The 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.

 

^^The offer is available for new loans only submitted from 5 June 2018. Offer available for a limited time only and may be withdrawn at any time. The total discount rate is inclusive of  the current 0.2 0% p.a. Premier Advantage Package discount  for the fixed rate period under the Premier Advantage Package. Excludes internal refinances and switches within Westpac.