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Getting started online

Register for Online Banking or learn about the Westpac App to manage the day-to-day running of your loan.


  • Check balances and current rate
  • Download statements
  • Switch to a fixed rate
  • Redraw extra funds
  • Change repayment amount/frequency
  • Set up direct debit or recurring repayment

Make your loan work harder

Understand loan features to maximise savings and tailor your home loan to your ever-changing needs.

Buying your next home

Thinking of selling or buying your next home or even building a property portfolio for the future?


  • Access your equity
  • Home loan portability
  • Bridging and loan increases
  • Construction loans
  • Property market research
  • Property investment


We’re here to help with your home loan

Whether you need a home loan health check, a new loan or want to switch to Westpac, start a conversation with us now.

Call 8am-8pm, 7 days


You can see your balance by signing into Online Banking or the Westpac App. Select the home loan account to see your repayments. Your home loan balance includes any extra repayments you’ve made. This is listed under Available funds.


Your loan

When life changes, your home loan should too. Here’s how to adjust the type of loan you have, how it’s set up and how to package your loan.

Variable to fixed

Lock in a fixed rate for 1 to 5 years and have the certainty of knowing what your repayments will be. You may be able to fix 100% of your current variable rate home loan or split the loan into separate fixed rate and variable rate accounts.

Westpac App – sign into the Westpac App, tap your variable home loan, tap Switch to a fixed rate home loan and follow the prompts

Online Banking – sign into online banking, tap your variable home loan, tap Switch to a fixed rate home loan and follow the prompts



What you need to know
  • Your variable offset benefits don’t apply to your fixed loan
  • You can only make up to $30,000 in extra repayments without incurring break costs
  • A fixed rate incurs break costs and may not be right if you plan to sell your property, refinance or change home loan products

Fixed to variable

Ending your fixed rate term early could attract break costs that run into the thousands. Weigh up the costs before deciding if switching to a variable rate home loan is right for you.

For more information, contact us through the Westpac App or call 132 558



Accessing extra money

Whether you’re renovating, moving home or just need some extra funds, your home loan can help get you there.

If you’ve registered for redraw and are ahead on repayments, you can tap into your Available funds whenever you need.

Westpac App – tap your home loan account and tap Transfer to move funds to a Westpac account or Pay to transfer to another bank account.

Haven’t set up your redraw? Simply login to online banking to submit your request or print, sign and email a scanned copy (or hi-resolution photo) of our Redraw Authority form (PDF 66KB) to (no need to include a stamp from the bank). Redraw is subject to approval.


Tools and support

Getting back on your feet financially

Explore our resources and tools aimed at helping you recover and get back on track after tough times.

Find out more

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.  

Read the following terms and conditions before making a decision and consider whether the product is right for you:

Online Banking Terms and Conditions effective as at 26 August 2018 (PDF 236KB).

#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)

* Reduced loan repayments: It is important to understand that at the end of the reduced repayment period, the repayment amount will increase to adjust for the reduced repayments. This ensures that the loan is still repaid within its original term. Read the disclosure documents for your selected product or service before deciding if this option is right for you.