Fixed Rate Home Loan
A basic, fixed rate loan for those who want the certainty of consistent repayments.
- From (owner occupied)
- 6.49%
- 8.78% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year | 6.49% | 8.78% | LVRTerm |
| Fixed · 2 years | 6.59% | 8.55% | LVRTerm |
| Fixed · 3 years | 6.69% | 8.37% | LVRTerm |
| Fixed · 4 years | 6.74% | 8.21% | LVRTerm |
| Fixed · 5 years | 6.79% | 8.08% | LVRTerm |
| Fixed |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee Includes legal fees for standard mortgage preparation and one standard valuation fee. Any amount in excess of the standard fees are to be met by the customer.
| Upfront | $295.00 |
| Loan Maintenance Fee Charged monthly · Payable monthly in arrears on the monthly repayment due date during the fixed interest rate period. | Ongoing | $12.00 |
| 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. |
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.
- One standard valuation included. Any amount in excess of the standard fee is to be met by the customer.
- Make weekly or fortnightly repayments, instead of monthly
- 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
- Pay off your loan faster by making extra repayments up to $10,000 per year, during your fixed term at no charge.
- 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.
Eligibility
- Minimum age — 18 yearsCustomers 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 residentBe 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 Fixed Home Loan 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 Fixed Home Loan 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 Fixed Home Loan cannot exceed 80%. This is applicable to Owner occupiers loans with an Interest Only repayment type.
- Maximum LVR — 95%The total LVR of the existing and/or new Fixed Home Loan cannot exceed 95%. This is applicable to Investment loans with an Interest Only repayment type.
- Minimum LVR
More Information
Published by Bankwest under the Consumer Data Right · Last updated 16 June 2026 · Product ID 6aed5cd829964d2b859424cfe6ab83fc · View on CDR.gov.au