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You could get a $2,000 cashback when you switch your loan to us^

Available for new home loan refinance applications submitted by 30 September 2019 and loan settled by 30 November 2019 with the Premier Advantage Package.* $250k min loan per property and $395 annual package fee applies. Excludes refinances from the Westpac Group.

Why refinance?

Finding a way to save money is one of the many reasons you may be thinking about refinancing:

  • You might be looking for a lower interest rate
  • You may want to access the equity in your home
  • You may want to consolidate debt
  • You might be after a loan with extra features

For more information about how to refinance, visit our page on How does refinancing work?

Refinance your home loan in under a week

Our Home Finance Managers are here to help when you refinance with us.

They’ll make it super easy for you and could speed things up with our Priority Refinance Process.

Settlement generally takes a few weeks. However, if your loan qualifies for the Priority Refinance Process, it could be done much quicker. Our Priority Refinance Process enables a refinance to take place without the need for a conventional settlement - this means a refinance could occur between two to five business days from when the bank receives all documentation, not weeks when compared to the standard refinance process (Conditions apply).

If our Priority Refinance Process isn’t for you, our experts are here to help make the process easy.

Call on our expertise

Our smart strategies could help you get more out of your home loan. Whether you want to wipe years off your loan, save money or use equity to grow your wealth we can help you reach your financial goals.

Talk to our Home Loan Experts about how you can:

  • Get closer to owning your home outright.
  • Benefit from our home loan package* discounts and special offers.
  • Take advantage of the flexible features on eligible home loans.
  • Consolidate your debts (eg: credit card, personal loan)  into your home loan.

Other tools

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. This information 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 advice on any taxation matters.

^$2,000 Refinance Cashback: For new home loan refinance applications received from 1 July 2019 to 30 September 2019, with loan settled by 30 November 2019 and taken as part of the Premier Advantage Package. Offer current as at 1 July 2019. $250k min loan per property refinanced. Only 1 cashback per property refinance will be paid regardless of the number of loans involved. Offer may be varied or withdrawn at any time. Excludes switches and refinances of home loans within the Westpac Group, which includes Westpac, St.George, Bank of Melbourne, BankSA and RAMS. Not available for Owner Occupier Interest Only loans or residential lending originated under family or company trusts. 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. The cashback will be automatically deposited into this account within 60 days after settlement.

*Premier Advantage Package: Premier Advantage Package Conditions of Use and a $395 annual package fee apply. You must either hold or be approved for a Westpac Choice account in order to qualify and continue to receive the benefits of the Premier Advantage Package. Before deciding to acquire a Westpac Choice account, read the terms and conditions, and consider whether the product is right for you.

Premier Advantage Package Conditions of Use (PDF 1MB)