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Your property investor dream team

Surround yourself with professionals to access a tailored rate, tax advice, knowledge, property research, off-market viewings and more.

Your Westpac lender

Talking with an investment home loan expert early on is valuable. Your lender (or mortgage broker) can help you understand:  

  • Your borrowing power, equity and LVR
  • What your interest rate and finance could look like if you adjust your loan structure/s, and close out other debts  
  • Our basic variable rate, fixed rates, and your specially tailored variable rate with offset  
  • The perks of packaging#, including discounted Landlord Insurance1 and credit card rewards  
  • Cross-collateralisation and equity – more than one property can be secured against each loan
  • The pros and cons of freeing up cashflow, by opting for up to 10 years of Interest Only repayments** 
  • The option to redraw* from your fixed loan during the fixed term to free up cash flow  
  • A fixed interest rate discount for paying 12 months’ Interest Only in Advance*** 
  • Your property shortlist: we may not lend against some addresses and investment properties (very small units, certain suburbs or apartment blocks, tiny houses, hobby farms and places near large power lines).

As your one point of contact, your Westpac lender could help organise:  

  • Conditional approval, so you can confidently bid or make an offer  
  • A bank valuation: online, or on-site by an independent valuer 
  • Full approval
  • Finalising your loan docs
  • The settlement process
  • Tweaking your loan, as and when you need. 

Talk about a sweet rate

One conversation could save you 1000s

Book an appointment now or start applying online and a lender will be in touch. As part of your team, they can tailor a variable investor rate with offset, just for you.

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Investment property hub

Advanced tools, what to expect, a tailored rate and guides for first-timers and the seasoned real estate investor. 

How can I track my potential tax relevant transactions?

Our tax organiser tool lets you mark, track and export possible tax-relevant transactions in the Westpac App. Search 'tax organiser' to get started.

How do tax advisers and financial planners differ?

Your tax adviser can offer advice on tax and property ownership structures. If they have an AFS license, they have the ability to advise on your investments and strategy too.


A financial planner (AKA financial adviser) can craft a unique investment strategy based on your life stage, financial position, market conditions, risk profile, investments, property portfolio, family circumstances and future plans. Some may also be qualified to offer tax advice.

Things you should know

Conditions, credit criteria, fees and charges apply. Residential lending is not available for Non-Australian Resident borrowers.

This information is general in nature and 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, professional tax advice on any taxation matters before making a decision based on this information.

Key Fact Sheet for Home Loans


Taxation considerations in this publication should not be interpreted or used as tax advice or a tax guide.


#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 120KB)


*Redraw facility: if you have ‘available funds’ (you’ve made extra home loan repayments) and you’ve activated your redraw facility, you’re free to redraw them with no redraw fee. Up to $100k will be available to redraw from your variable loan online or over the phone each day (unlimited in-branch). For fixed loans you can redraw up to your prepayment threshold during your fixed term. Read our Redraw Authority form (PDF 66KB) (PDF 66KB) for full details.


**Interest Only repayments: Conditions apply. It’s important to understand that interest rates for loans with Interest Only repayments are higher. Your repayments will increase at the end of the Interest Only term as the amount you’ve borrowed will need to be paid back in a shorter timeframe. This also means you’ll pay more interest over the life of the loan with an Interest Only repayment term, than if you’d opted to continue paying principal and interest. There’s a maximum of 5 years for Owner Occupied loans and 10 years for Investment loans on Interest Only repayments over the life of the loan. If you’ve had less than this, you may be able to extend the Interest Only repayment term, subject to conditions and a new assessment. You’ll need to start the process well in advance of your expiry date and provide details of your income, expenses and liabilities.


***Interest Only in Advance: Interest must be paid in advance annually for each chosen fixed rate term to receive this rate. If after the first year of a fixed rate term interest is no longer paid in advance the Interest Only in Advance discount will be removed for subsequent years.

Interest Only in Advance interest rates are available on Fixed Rate Investment Property Loans with fixed rate terms of 1, 2, 3, 4 or 5 years.

Interest Only in Advance interest rates and discounts apply to new Fixed Rate Investment Property Loan and loans which have been switched into Interest Only in Advance products.  Existing fixed loans are not eligible unless the loan is re-fixed.  Interest Only in Advance discounts are subject to change. Subject to Bank's approval. Normal lending criteria apply. Other conditions, fees and charges apply.


1Home and Contents Insurance: Premier Advantage Package customers may be eligible for an ongoing premium discount of up to 10% on their Westpac Home and Landlord Insurance policies. If you are also eligible for a combined or other policy discount, Allianz will apply the Package discount to the already discounted premium. This means the effect will be reduced. If you purchase your policy online, the Package discount will be applied after purchase and Allianz will inform you of your revised premium (this may take up to 3 months).  Allianz will then provide a refund for premium paid annually or provide a pro rata refund and reduce your remaining monthly instalments. If you take out a Premier Advantage Package after your policy has been issued, then the Package discount will apply from your next renewal. Any discounts may be subject to rounding and do not apply to taxes or government charges.

Home and Contents and Landlord Insurance are issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 arranges the insurance under a distribution arrangement with Allianz Insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Before making a decision, please consider the relevant Product Disclosure Statement. For more information call Westpac on 1300 650 255. If you take out Home and Contents or Landlord Insurance with Allianz the Bank will receive a commission of up to 12% of the premium (exclusive of GST). A target market determination has been made for this product. Please visit for the target market determination.


2Offset is available on a Rocket Repay Home Loan or a Rocket Investment Loan. The same offset transaction account cannot be linked to multiple Rocket Loans. The linked offset transaction account must be in the same name(s) as the loan. Only one offset transaction account can be linked to each Rocket Loan.