Skip to main content Skip to main navigation
Skip to access and inclusion page Skip to search input

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

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 (Sydney time)

Selling or just sold? $2K cashback could be yours*

Exclusive offer for existing Westpac home loan customers.

Stick with us for your next home loan and you could be rewarded with a cashback.

Must apply for a new loan by 30 September and settle by 31 December 2022, plus sell a property with an existing Westpac home loan between 1 March and 31 December 2022. Min loan $250K. Conditions, credit criteria, fees, charges, eligibility criteria and exclusions apply.

Make updates to meet your home loan needs

Sometimes changes to the economy or personal circumstances mean you need to refocus your home loan to get your goals back on track.

Want to re-fix or switch from a variable to a fixed interest rate?

A fixed interest rate term could be the answer for added certainty for up to 5 years.


How to fix your rate

Looking to use your equity to help fund home renovations?

Whether renovating to sell or stay, a ‘top up’ could be the most economical solution.


Home loan increase

Selling, changing loan security, or thinking of moving banks?

We can help you every step of the way, from updating security to releasing your loan.


Update loan security

DIY changes you can do online

Sign into Online Banking or the Westpac App and select your home loan account to instantly check or make updates to your loan.
 

Check your balance, repayment, or current rate

You’ll see your repayments and the balance available. To check your current rate: 

Online Banking

Select Account details, then General.

Westpac App

Tap the (i) icon. 

Change repayment amount or frequency

On principal and interest loans only^:

Online Banking

Select Adjust home loan repayment and follow the prompts.

Westpac App

Select Home loan settings, then Adjust repayment.

Set up or change a direct debit or recurring payment

To set up or change a direct debit, find out more.

To set up or change a recurring payment:

Online Banking

Select Payment, then Make a Payment, and finally Recurring Payment in Payment Details.

Westpac App

Tap $ and select Payment type, then decide who to pay, enter the Amount and tap Schedule. Finally, select the date and how often to make the payment.

Re-fix or switch to a fixed rate loan

To re-fix as fixed term is ending soon:  go to Account details, click on the banner to view your re-fix options, then select a fixed rate term and confirm your choice.

Switch from a variable rate to fixed:

Online Banking

Go to Switch to a fixed rate home loan, then select Let’s Get Started to choose your fixed rate term.

Westpac App

Scroll to bottom, go to Home loan settings, then Switch to fixed rate. Finally, select Let’s Get Started to choose your fixed rate term.

Need some breathing space with your loan repayments? 

If you’re finding it hard to make ends meet, going through a separation or need help to get you back on your feet financially, there are options# you could consider. Just request a callback, and we'll call you to discuss your needs: 

 

  • Reduce your repayments to the minimum amount or by 50% for up to 6 months

  • Consider a repayment pause if you’ve made extra repayments in the past 

  • Apply for interest-only repayments for up to 5 years on an owner-occupied loan.  

     

Frequently asked questions

Yes, you can if you use your home loan’s portability feature. Portability allows you to change the property secured against your loan from your old property to your new one without closing out your existing loan. Portability avoids all the time, costs, and hassles of applying for a brand-new loan. Best of all, if you have a fixed rate home loan, you can buy and sell using portability without the fear of paying break costs.

 


For questions or more information about portability call: 132 558 8am-8pm (Sydney time), Monday-Saturday, or request a callback.

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)

#Loan repayment options: Conditions apply for all the options listed. Please be aware that:

  • 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.
  • Mortgage repayment pause: It is important to understand that you’ll continue to accrue interest while your repayments are paused. The length of your pause is determined by the amount of extra funds you have in your loan. Read the disclosure documents for your selected product or service before deciding if this option is right for you.
  • Switching to interest-only repayments: It is 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 period 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 on interest-only repayments than if you’d opted to continue paying principal and interest.

^Changing repayment amount or frequency: Cannot be performed on an interest-only loan. However, you may make extra repayments. For more details on interest-only home loans

* $2,000 Cashback:  Conditions, credit criteria, fees, charges, eligibility criteria and exclusions apply.  Exclusive offer available for existing Westpac home loan customers who take out a new Owner Occupier or Investment Property Loan when both: (i) a new home loan application is received from 30 May 2022 to 30 September 2022 and settled by 31 December 2022, and (ii) an existing Westpac home loan is sold from 1 March 2022 to 31 December 2022. The cashback will be paid into a Westpac Choice transaction account within 60 days of the settlement of the new loan or the sale of the existing Westpac home loan (whichever is later). The transaction account must be linked to the home loan at the time of settlement, and kept open for 60 days after settlement. Only one cashback will be paid regardless of the number of applications, applicants, properties or loans involved. For joint applications, only one cashback payment will be paid to the primary applicant. Before deciding to acquire a Westpac Choice transaction account, read the terms and conditions, and consider whether the product is right for you.

Offer current as of 30 May 2022 and may be varied or withdrawn at any time. $250k min loan amount. No LVR restrictions apply to this offer. Excludes refinances and switches of home loans from external providers or within the Westpac Group (which includes Westpac, St.George, Bank of Melbourne, BankSA and RAMS). Offer not available for residential lending originated under family or company trusts, Equity Access Loans, Bridging Loans, Portabilities, Westpac Private Bank customers and customers holding business products, or home loans sold from a different brand within the Westpac Group.

Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.

Credit provided by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.