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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 offer

Variable rate


2.29% p.a.^

variable rate


2.30% p.a.

comparison rate*

Rate includes 1.64% p.a. discount for the life of the loan^. New Owner Occupier loans, P&I repayments. Excludes refinances within Westpac Group.

2 year fixed rate


2.69% p.a.^^

2-year fixed rate


3.60% p.a.

comparison rate*

2 Year Owner Occupier Fixed Interest rate. P&I repayments with Premier Advantage Package# ($395 fee.) T&C’s apply.

Get $3K cashback when you refinance to us**

Apply by 28th February 2022, settle by 31st May 2022. Owner Occupier loans (P&I repayments) and Investment Property loans, with LVR+ up to 80% and min $250k loan. Flexi First Option or packaged# home loans only ($395 annual package fee). Only one cashback offer available per primary applicant within a 12 month period. Excludes refinances within Westpac Group.

Not quite ready to apply?

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.


^Flexi First Option offer: This offer is only available on new Flexi First Option Home Loan applications with Principal & Interest repayments received from 25/11/2021. Rate includes a 1.64% p.a. discount off our Flexi First Option Home Loan Variable Rate for the life of the loan. Excludes internal refinances or switches within the Westpac Group, which includes refinances from Westpac, St.George, Bank of Melbourne, BankSA and RAMS. Not available to company and trust account holders. Interest rate is subject to change.


^^Fixed rate home loan: The Bank will apply the fixed rate that is available at the loan settlement date, unless the customer locks a fixed rate in on the loan using our Rate Lock feature. The Fixed Rate - Lock-In fee is 0.10% of the loan amount. 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. Interest rate(s) displayed is for Australian Residents only. Rate lock is not available for progress draw loans under the construction option.


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


**$3K refinance cashback offer: Conditions, credit criteria, fees, charges, eligibility criteria and exclusions apply. Apply between 1st December 2021 to 28th February 2022 and settle by 31st May 2022 for refinance applications. Offer may be varied or withdrawn at any time. Min Loan amount $250k and LVR up to 80%. Offer available for Owner Occupier with Principal & Interest repayments and Investment Property Loans (Principal and Interest & Interest Only repayments). Premier Advantage Package ($395 annual package fee and T&Cs apply) and Flexi First Option Loans. Limit of one $3,000 cashback payment regardless of the number of applications, applicants, properties or loans involved per 12 month period. For joint applications, only one cashback payment will be paid to the primary applicant. Excludes Owner Occupier Interest Only, Equity Access Loans, residential lending originated under family or company trusts and refinances within Westpac Group (Westpac, St.George, Bank of Melbourne, BankSA and RAMS). The cashback will be paid into an open Westpac Choice transaction account within 60 days of settlement. This account must be in the same name as the home loan account and linked to the home loan at settlement. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters. 


+LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan.


#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 88KB)