Apply for your home loan
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You could get conditional approval in 1 business day
Get started online
Tell us about you and your finances, see how much we could lend you and submit your application in as little as 20 minutes.
Discuss your rate with a lender
A lender will call to chat through your application, then run a credit check. You could get conditional approval to confidently make an offer.
Offer accepted? Time for full approval and signing your loan documents. Then sit back, relax and pick up the keys on settlement day. Congrats!
How to apply for a home loan
Apply to refinance in around 10 minutes
Simple online experience
Tell us about your finances and current home loan to see how much we could lend you.
Don't worry, we’ll let you know before the credit check.
Choose loan options and a rate that suits you. You could get approval within 1 business day.
On to settlement
A lender will be in touch to finalise your loan through to settlement.
Accept our loan offer – we’ll help you sort out the rest with your current financial provider. You may be able to settle within a week^^.
How to apply for a home loan
Things you should know
Conditions, credit criteria, fees and charges apply. Residential lending is not available for Non-Australian Resident borrowers.
This information 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 advice on any taxation matters.
^^Priority Refinance: Only available: on eligible new Westpac home loans; on eligible home loans with your current lender; if your other lender is on the Priority Refinance process list of eligible financial institutions. Your other lender may charge you an additional settlement agent fee, as well as fixed rate home loan break costs. Loan suitability for the Priority Refinance product is determined by Westpac in conjunction with the insurance product guidelines. Priority Refinance is provided by First American Title Insurance Company of Australia Pty Limited ABN 64 075 279 908 Australian Financial Services Licence 263876, trading as First Title, an Australian general insurance company authorised by the Australian Prudential Regulation Authority. Conditions, fees and charges apply. Lending criteria apply to approval of credit products. This info doesn’t take your personal objectives, circumstances or needs into account, so please consider Priority Refinance’s appropriateness and read the disclosure documents for your selected loan, including the Terms & Conditions, before deciding.
Credit provided by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.