Track my pre-settlement application: 3 steps

I’m already with Westpac

Know your Customer ID and password to sign in on the Westpac App or a computer.

• You’ll need an active Online Banking profile.
• Haven’t banked online in a while? Call 132 558 and follow the prompt For all other loan enquiries. We’ll ask a few questions to make sure it’s really you, and give you a new temporary password.
• You will then be able to set a password of your own choosing.

I’m new to Westpac

Use your Customer ID and temporary password to sign in.

• When you received your Loan Offer, you received a reminder email with your Customer ID. And if your temporary password was about to expire in the next 24 hours, we also reissued a new temporary SMS password.

Temporary password expired?

• Temporary passwords expire after 30 days.
• You won’t automatically receive a new temporary password SMS after if it’s expired. Instead, call 132 558 and follow the prompt For all other loan enquiries. We’ll ask a few questions to make sure it’s really you, and give you a new temporary password.
• You’ll then be able to set a password of your own choosing.
• You’ll need to give us consent that you’re happy to for us to send you these types of communications.

FAQs about signing into Online Banking

If the property’s address is in VIC, NSW, QLD, SA or ACT, you don’t need to print any Loan Documents. You can accept them all online. 

The property’s in TAS, WA or the NT: 

And I’m applying with someone else: 

• Under Make it official > Select View and accept offer

• Enter the one-time SMS code sent to the mobile number you’ve provided

• Select Read document to review all the documents displayed here (required).
• A digital Mortgage Agreement only appears here if you live in a ‘digital’ State (ACT, NSW, QLD, VIC, SA). 

Review Important information about your Loan Contract 

• Check the box to confirm whether you’ve read the documents.
• Select I accept my Loan Documents – these documents will be final and binding. 

Documents for you to return or forward section lists documents that need a physical signature, and further actions you need to take.

Note: State government regulation in ‘non-digital’ states (TAS, NT and WA) means you’ll need to physically sign some documents, including the Mortgage Agreement. 

• You’ll see the info you need to provide, including Account details, Direct Debit details and Solicitor details.
  Tip: have these on hand before you continue

• Select Account details > Choose the account you want to be credited at settlement with any surplus (meaning there is money left over after we setup your loan). Have no Westpac account? It will say We couldn’t find an eligible account, please contact your Home Finance Manager/Broker.
• You can choose the same, or a different account, to be debited with any shortfall (meaning there is additional money you need to provide to setup your loan).
• You can Save and continue or Skip this step to move to the next section. 

• Select one of your Westpac accounts, or use an external bank account.
• Select whether you’ll be repaying Monthly, Fortnightly or Weekly.
• Review the Direct Debit Request Service Agreement before acknowledging and accepting.
• You can Save and continue or Skip this step to move to the next section. 

• Add your solicitor (or conveyancer) details.
• You can Save and continue or Skip this step.
• Settlement scam watch: if you receive a message to transfer funds into a different account, first check it’s legitimate by calling or messaging us back using these original contact details. Never use contact details from a suspicious message. 

• Finally, you’ll be directed back to your Outstanding loan details screen, which will show all completed areas with a green tick and any fields that still need more detail.

• When all areas are ticked, and you’re satisfied with all your details, select Submit and your loan details will be saved and reviewed by your Home Finance Manager/Broker.

How can I minimise the chance of settlement delay?

Why can’t see a ‘Review & submit’ button?

If you’ve already given details and none of the info is outstanding, a ‘Review & submit’ button won’t appear. The step will show as 'Complete'.

What if I can’t see an option in my digital Loan Authority form?

If we don’t need to confirm any details, they won’t appear in this Outstanding loan details online form.

How do I change details after I’ve already submitted this form?

Use the physical form in your Download, view or return document section. You can find it by going to View Documents > Documents for you to return or forward > then download and print Loan Authority Amendment.

Need a hand? Your Home Finance Manager or Broker can help. 

Check what document/s are needed, follow the prompts and then upload the document/s. 

Tip: If you are required to upload a copy of your building insurance, make sure to check the following:

• That Westpac is referenced in the document,
• Insurance is arranged prior to the day of settlement, and
• The commencement date of your insurance policy reflects a date prior to the scheduled settlement date.

• A green box will confirm that the document(s) have been successfully uploaded.
• When your documents have uploaded successfully, they’ll be listed under Uploaded documents in your Upload your settlement documents screen. 

• If the file’s too large, is the wrong type of file or doesn’t upload – a red error sign appears.
• Document won’t upload for some reason? Your Home Finance Manager/Broker can share them with us for you.