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Seamless from start to settlement

Get started online

Apply for a new home loan, conditional approval or switch from another bank. It should only take around 20 minutes to apply.

Learn how much you could borrow

We’ll show you what you could afford to spend on a property and estimated costs involved.

One point of contact

You’ll be assigned a home finance manager who’ll answer all your questions.

Track your progress

Follow your application all the way to settlement and get notifications so you know what’s coming next.

Applying is simple, start now

1. Apply online

Tell us some details about you and see how much you could borrow. Don’t worry, we’ll save as you go and there won’t be a credit check until you’ve spoken with a home finance manager.

2. Talk it through

A home finance manager will be in touch to answer all your questions, and progress things to the next stage.

3. Conditional approval, if needed

We may be able to provide you conditional approval to help you confidently bid or make an offer knowing how much you can afford. Conditional approval is valid for 90 days . Need more time? We can renew it.

4. Full approval

Once we’ve valued your property and completed other verification, we’ll let you know when your application’s been approved. Accept our loan offer and you’re on your way to settlement – congrats!


Already started an application? Retrieve your application



Don't worry, you’ll get plenty of prompts and tips along the way. Once you submit your application, a home finance manager will be in touch to fill in any gaps, answer all your questions and guide you to the next stage. You can also call 131 900 to chat with a home loan expert, 8am-8pm 7 days a week.

You don’t need to be a Westpac customer – just an Australian citizen or eligible permanent resident and over 18. You can also have up to 2 applicants per application.

If you’re looking to build your own home, increase your existing Westpac loan or get a line of credit, please request a call back.

You can upload your documents before or after you submit your application. They’ll be listed in your application, and your home finance manager will let you know if we need anything else. 

If you have Westpac Online Banking, sign in to go straight to your application.

If you don’t yet have Westpac Online Banking, you can jump back into your application using the Refence Number sent to you when you started your application.


Your application will expire within 6 months from the  last time you edited the application.

Westpac conditional approvals last 90 days. If you need longer, you can ask your home finance manager to extend it for another 90 days if your circumstances have not changed.

You can. The sooner you upload your documents, the faster we can progress your application.

Yes you can. Call your nearest branch to arrange a meeting. Locate a branch.

Featured interest rates and offers

Variable rate


2.29% p.a.^

variable rate


2.72% p.a.

comparison rate*

A bonus 2-year discounted variable rate on a new Flexi First Option Owner Occupier Home Loan with P&I repayments. Includes a 1.64% p.a. discount for 2 years from loan settlement date reverting to a 1.14% p.a. rate discount thereafter^. Valid from 18 September 2020, excludes internal refinances with Westpac Group.


Fixed rate


2.09% p.a.^^

2-year fixed rate


3.50% p.a.

comparison rate*

New 2-year owner occupier Fixed Options Home Loans with Principal & Interest repayments and the Premier Advantage Package# ($395 annual package fee applies). Not available on existing fixed rate loans.


Get $3k cashback when you refinance to us - $2k refinanced property and a bonus $1k for your first application.**

Owner Occupier loans on principal and interest repayments and Investment loans, with LVR+ up to 80% and min $250k loan per property. Flexi First Option or packaged# home loans only ($395 annual package fee). Apply by 31 January 2021, settle by 31 March 2021. Excludes refinances within Westpac Group.


Not quite ready to apply?