---
title: "Complete Variable Home Loan Package — Bankwest"
description: "Home Loans from Bankwest. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bankwest/products/07c7d553c79c4e23aa388d178b589a61
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-11T20:44:23.000Z
---

# Complete Variable Home Loan Package — Bankwest

> Home Loans from Bankwest. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

Home loans don't have to be so rigid. This flexible package has up to nine offset accounts, a credit card and other good stuff - including our great rates.

## At a glance

- **From (owner occupied):** 6.19% (6.58% comparison)

## Apply

Applications are handled by the provider: [Apply at Bankwest](https://www.bankwest.com.au/home-loans/variable-rate)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Rate to be applied is calculated off the applicable variable reference rate, and any discount that the customer may be entitled to.) | 6.19% | 6.58% | LVR ≤60% |
| Variable (Rate to be applied is calculated off the applicable variable reference rate, and any discount that the customer may be entitled to.) | 6.24% | 6.63% | LVR 60.01–70% |
| Variable (Rate to be applied is calculated off the applicable variable reference rate, and any discount that the customer may be entitled to.) | 6.24% | 6.63% | LVR 70.01–80% |
| Variable (Rate to be applied is calculated off the applicable variable reference rate, and any discount that the customer may be entitled to.) | 6.49% | 6.88% | LVR 80.01–90% |
| Variable (Rate to be applied is calculated off the applicable variable reference rate, and any discount that the customer may be entitled to.) | 6.89% | 7.28% | LVR 90.01–95% |
| Variable (Rate to be applied is calculated off the applicable variable reference rate, and any discount that the customer may be entitled to.) | 8.37% | 8.74% | LVR 95.01–98% |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Rate to be applied is calculated off the applicable variable reference rate, and any discount that the customer may be entitled to.) | 7.34% | 7.7% | LVR ≤80% |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Rate to be applied is calculated off the applicable variable reference rate, and any discount that the customer may be entitled to.) | 6.44% | 6.83% | LVR ≤60% |
| Variable (Rate to be applied is calculated off the applicable variable reference rate, and any discount that the customer may be entitled to.) | 6.49% | 6.88% | LVR 60.01–70% |
| Variable (Rate to be applied is calculated off the applicable variable reference rate, and any discount that the customer may be entitled to.) | 6.49% | 6.88% | LVR 70.01–80% |
| Variable (Rate to be applied is calculated off the applicable variable reference rate, and any discount that the customer may be entitled to.) | 6.79% | 7.18% | LVR 80.01–90% |
| Variable (Rate to be applied is calculated off the applicable variable reference rate, and any discount that the customer may be entitled to.) | 7.49% | 7.87% | LVR 90.01–95% |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Rate to be applied is calculated off the applicable variable reference rate, and any discount that the customer may be entitled to.) | 8.02% | 8.36% | LVR ≤90% |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application Fee — No application fee applies for any home loans under the Complete Package. | Upfront | $0.00 |
| Bank Cheque Fee — Payable per cheque required for settlement purposes and each time you request a bank cheque. | Transaction | $10.00 |
| Arrears Notice Fee — Cost is per notice and payable upon notification that your account is in arrears, during the period the loan is in default. | Event | $35.00 |
| Legal Fees — Payable where Bankwest requires external legal services as part of the application. | Event | Variable |
| Mortgage Registration Fee — These are payable to Bankwest in reimbursement of Land Titles Office fees. Charges vary depending on the State of lodgement. | Upfront | Variable |
| Discharge of Pre-existing Mortgage Registration Fee — These are payable to Bankwest in reimbursement of Land Titles Office fees. Charges vary depending on the State of lodgement. | Exit | Variable |
| Transfer of Land Registration Fee — These are payable to Bankwest in reimbursement of Land Titles Office fees. Charges vary depending on the State of lodgement. | Event | Variable |
| Third Party Fees (including legal fees) Associated with the Discharge — These are payable to Bankwest in reimbursement of any third party fees associated with a discharge. | Event | Variable |
| Discharge of Mortgage Registration Fee — These are payable to Bankwest in reimbursement of Land Titles Office fees. Charges vary depending on the State of lodgement. | Exit | $135.80 – $238.14 |
| Security Assessment Fee — Payable when we perform a valuation on any mortgaged real property forming part of the Security after the initial settlement in reimbursement of the valuer's fee. This fee does not apply for construction loans on the Complete Home Loan Package and is waived under the Complete Package benefits. · Discount −$0.00 — Valuation fee is waived for customers with the complete package facility. (eligibility: Other: Waived if eligible under the complete package benefits.) | Event | Variable |
| Legal Disbursement Fee — Applies when a new mortgage is being taken. Applies whether the settlement is attended in person or digitally. | Upfront | $350.00 |
| Complete Home Loan Package Fee — Fee is payable annually in advance and covers all Complete Home Loans held under the Package. | Ongoing | $395.00 |
| Preparation of Discharge of Mortgage Fee — Payable for the preparation of each discharge of mortgage document. | Exit | $300.00 |
| Discharge Settlement Attendance Fee — Payable per settlement and applies whether the settlement is attended in person or digitally. | Exit | $38.20 |
| Title Production Fee — Cost is per title and payable when Bankwest is required to produce title documents. | Event | $130.00 |
| Search Handling Fee — Cost is per dealing and payable for completion of any search conducted by Bankwest. | Event | $40.00 |
| Progress Payment Fee — Payable on each occasion the Bank makes a progress payment. · Discount −$80.00 — This fee does not apply for construction loans on the Complete Home Loan Package. (eligibility: Other: Waived if eligible under the complete package benefits.) | Event | $80.00 |
| Home Loan Portability Fee — Fee is payable upon application to Bankwest to substitute an existing security with another security. | Variation | $350.00 |
| Default Administration Fee — Cost is per month and payable on issue of a statutory default notice, during the period that your loan is under administration due to being in default. | Event | $50.00 |
| Loan Increase Fee — Payable when you apply to increase the amount of credit or credit limit under an existing loan. · Discount −$295.00 — This fee does not apply when increasing loans within the Complete Package. (eligibility: Other: Waived if eligible under the complete package benefits.) | Variation | $295.00 |
| Lenders Mortgage Insurance — Lenders Mortgage Insurance (LMI) may apply where there is an increased risk associated with a home loan. The circumstances of your loan determine whether a loan will incur LMI. There is a one-off cost associated with LMI. This LMI premium is not a bank fee or an establishment fee. LMI refunds may apply for certain products and customers who met the eligibility criteria. | Upfront | Variable |

## Features

- **Topping up or increasing your home loan is a way to unlock more funds by borrowing against the equity you've built up on your current property.**
- **No valuation fees are payable for customers with a Complete Home Loan Package.**
- **Make weekly or fortnightly repayments, instead of monthly**
- **Discounts on other products** — Credit Card (Choose an optional eligible credit card in the Classic or Platinum or World tier - and pay no annual credit card fee. Other fees and charges may apply.)
- **Real-time payments (NPP)** (An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment.)
- **Digital banking** (You can start banking with us anytime using the Bankwest App or Bankwest Online Banking.)
- **Extra repayments** (You can make unlimited extra repayments with our variable rate home loans.)
- **The Complete Home Loan Package includes a Complete Variable Home Loan, plus the flexibility to add on features to help you manage your mortgage and money your way. You can choose to add offset accounts and/or an eligible credit card.**
- **Guarantor supported** (A guarantor is someone who agrees to be responsible for repaying a debt owed to us under a loan provided to another individual if the borrower (or borrowers) cannot make their repayments. A guarantor supports the loan by providing us with an additional property as security. By providing a guarantee, we may lend to the borrower in situations where they may not have been able to secure the full amount of the loan they require. Independent legal and financial advice is required for these applications.)
- **Track your application online in real time with our Home Loan Application Tracker.**
- **To reduce your limit, send a request in Bankmail via online banking or chat to your lender or broker. **
- **Up to 30 years.**
- **This loan can be used for the purposes of owner occupied or investment property purchases, refinancing your existing home loan, purchasing of vacant land (non-commercial), personal needs, off the plan purchases and building/construction purposes.**
- **Sufficient security must be an acceptable residential mortgage**
- **If you're worried about fluctuating interest rates, you could choose to fix a portion of your home loan for an agreed term (of one to five years) while keeping the rest variable for extra flexibility. One great benefit of a fixed rate loan is that your repayments won't change for the entirety of the fixed term, which could help you to budget.**
- **Our Complete Fixed and Complete Variable Home Loan Packages let you split or switch between fixed and variable any time. Keep in mind that other fees and charges, such as break fees on a fixed rate loan, may apply.**
- **Notifications** — Notifications (Custom alerts are available for mobile personal banking accounts on eligible devices in which you have the Bankwest App installed and notifications enabled. Limited alerts only are available for credit products.)
- **Offset account** (Link up to 9 offset accounts to your Complete Variable Home Loan. The money in each offset account reduces the balance on which the interest is charged on your home loan. Other fees and charges may apply.)
- **Redraw facility** (Access your surplus balance when you need, available via online banking.)
- **Principal & Interest or Interest only options are available.**

## Eligibility

- **Minimum age** — 18 years (Customers must be an individual 18 years or older.)
- **Individuals only** — Individuals
- **Meet Bankwest's credit assessment criteria which includes demonstrating the capacity to make the required repayments and the ability to pay off the loan without substantial hardship.**
- **Security of the home loan is located in Australia.** — Australia 
- **Residency status** — Australian citizen or Australian permanent resident (Be an Australian citizen or Australian permanent resident. (Limited exceptions may apply subject to conditions.) )

## Constraints

- **Maximum LVR** — 98% (The total LVR of the existing and/or new Complete Variable Home Loan Package cannot exceed 98%. This is applicable to Owner occupiers loans with a Principal and Interest repayment type.)
- **Maximum LVR** — 95% (The total LVR of the existing and/or new Complete Variable Home Loan Package cannot exceed 95%. This is applicable to Investment loans with a Principal and Interest repayment type.)
- **Maximum LVR** — 80% (The total LVR of the existing and/or new Complete Variable Home Loan Package cannot exceed 80%. This is applicable to Owner occupiers loans with an Interest Only repayment type.)
- **Maximum LVR** — 90% (The total LVR of the existing and/or new Complete Variable Home Loan Package cannot exceed 90%. This is applicable to Investment loans with an Interest Only repayment type.)
- **Minimum LVR** — 0% (There is no minimum loan to value ratio (LVR) applied to this product.)
- **Minimum limit** — $200,000.00 (Minimum individual loan size is $20,000 however minimum aggregate borrowings required to qualify for the Complete Package is $200,000.)

## More information from Bankwest

- [Overview](https://www.bankwest.com.au/home-loans/variable-rate)
- [Terms & conditions](https://www.bankwest.com.au/home-loans/variable-rate)
- [Eligibility](https://www.bankwest.com.au/home-loans/variable-rate)
- [Fees & pricing](https://www.bankwest.com.au/home-loans/variable-rate)

## Data provenance

- Published by Bankwest under the Consumer Data Right
- Product ID: `07c7d553c79c4e23aa388d178b589a61`
- Last updated by the provider: 11 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bankwest/07c7d553c79c4e23aa388d178b589a61
- Provider page: https://www.cdrcompare.au/brands/bankwest
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000029

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bankwest/products/07c7d553c79c4e23aa388d178b589a61) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)