Mortgages
Secure your dream home with confidence
Navigating the property market is simpler with the right partner. Whether you are purchasing your very first home, upgrading to your next property, or investing in your portfolio, our tailored home loan options offer flexible structures and competitive rates designed around your long-term financial goals.
HOME MORTGAGE LOANS
How to get started
With the right home loan, you can refinance or buy a home and keep your financial plans on track
Instant Pre-Qualification
Check your estimated borrowing power online in under 10 minutes with our simple, secure conditional approval tool.
More Choices
Choose from flexible fixed, variable, or split home loan structures built entirely around your specific property goals.
Smooth Closings
Receive dedicated, personal support from our lending experts to guide you smoothly all the way through to property settlement.
When choosing a mortgage:
To apply for a Westpacfi home loan, you must be 18 or older, provide verifiable proof of legal residency or citizenship, and have a steady source of income alongside an established deposit.
Fees & rates
Compare Options
Your mortgage should be as unique as the home you buy
Fixed-rate Loans
Secure absolute budget certainty by locking in a fixed interest rate for 1 to 5 years, protecting yourself against future market rate rises.
Variable Rate Loans
Benefit from market drops with our flexible variable rate home loan. Enjoy full access to unlimited extra repayments and a 100% offset account.
First Home Buyer Loans
Step into your own home sooner with tailored solutions for first-time buyers, including low-deposit schemes and Lenders Mortgage Insurance waivers.
Tools to help you choose
Why choose a Westpacfi home loan
Get interest rate discounts
Get interest rate discounts
Save on your home loan rate or unlock package discounts when you combine your mortgage with an eligible Westpacfi transaction account.
Exceptional specialist service
Exceptional specialist service
Work one-on-one with a dedicated Home Loan Advisor who supports you all the way from your initial search through to final settlement.
Convenient payment options
Convenient payment options
Seamlessly manage, schedule, or increase your home loan repayments anytime through your online banking dashboard or mobile app.
Secure online & mobile banking
Secure online & mobile banking
Track your remaining balance, redraw extra funds instantly, and monitor your linked offset accounts securely 24/7.
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Frequently asked questions
Need help setting up or using your digital accounts? Find quick answers to common online and mobile banking questions below.View more Q&A here
I'm having trouble accessing my account online. What should I do?
First, ensure your login details are correct. If you forgot your password, click the “Forgot Password” link on the login screen to reset it securely. If your account is locked, please contact our digital support desk.
Can I deposit checks through the mobile app?
Yes! Simply log into the mobile app, select “Deposit Check,” take a clear photo of the front and back of your endorsed check, and follow the on-screen instructions.
How do I dispute a charge on my account?
You can easily dispute a pending or posted transaction by selecting the specific item in your transaction history, clicking “Report an Issue,” and following the guided prompts.
Is mobile banking secure?
Yes, our platform uses advanced multi-factor authentication, data encryption, and biometric login options to ensure your personal and financial information remains fully protected.
How do I activate a card?
You can instantly activate your new physical card directly within the mobile app or online dashboard by navigating to the “Cards” tab, choosing “Activate Card,” and entering your details.