---
title: "Fixed Rate Home Loan — Westpac"
description: "Home Loans from Westpac. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/westpac/products/HLFixed
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-21T05:30:49Z
---

# Fixed Rate Home Loan — Westpac

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

**Home Loans**

Choose a Fixed Options home loan with terms from 1 to 5 years and lock in certainty. Get a guaranteed interest rate and set repayments over your fixed term

## At a glance

- **From (owner occupied):** 6.34% (6.76% comparison)

## Apply

Applications are handled by the provider: [Apply at Westpac](https://www.ui.westpac.com.au/cassini/applicationprerequisites/landing)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 2 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.34% | 6.76% | LVR up to 70.00% |
| Fixed · 1 year (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.44% | 6.77% | LVR up to 70.00% |
| Fixed · 2 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.44% | 6.85% | LVR 70% up to 80% |
| Fixed · 2 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.54% | 8.4% | LVR up to 70.00% |
| Fixed · 3 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.54% | 6.81% | LVR up to 70.00% |
| Fixed · 1 year (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.54% | 6.87% | LVR 70% up to 80% |
| Fixed · 1 year (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.64% | 8.63% | LVR up to 70.00% |
| Fixed · 2 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.64% | 8.49% | LVR 70% up to 80% |
| Fixed · 3 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.64% | 6.91% | LVR 70% up to 80% |
| Fixed · 4 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.69% | 6.88% | LVR up to 70.00% |
| Fixed · 5 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.69% | 6.9% | LVR up to 70.00% |
| Fixed · 3 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.74% | 8.26% | LVR up to 70.00% |
| Fixed · 1 year (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.74% | 8.73% | LVR 70% up to 80% |
| Fixed · 2 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.74% | 7.15% | LVR above 80% |
| Fixed · 4 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.79% | 6.97% | LVR 70% up to 80% |
| Fixed · 5 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.79% | 7% | LVR 70% up to 80% |
| Fixed · 3 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.84% | 8.36% | LVR 70% up to 80% |
| Fixed · 1 year (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.84% | 7.17% | LVR above 80% |
| Fixed · 4 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.89% | 8.15% | LVR up to 70.00% |
| Fixed · 5 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.89% | 8.02% | LVR up to 70.00% |
| Fixed · 2 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.94% | 8.79% | LVR above 80% |
| Fixed · 3 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.94% | 7.2% | LVR above 80% |
| Fixed · 4 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.99% | 8.25% | LVR 70% up to 80% |
| Fixed · 5 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 6.99% | 8.12% | LVR 70% up to 80% |
| Fixed · 1 year (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 7.04% | 9.03% | LVR above 80% |
| Fixed · 4 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 7.09% | 7.27% | LVR above 80% |
| Fixed · 5 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 7.09% | 7.29% | LVR above 80% |
| Fixed · 3 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 7.14% | 8.65% | LVR above 80% |
| Fixed · 4 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 7.29% | 8.54% | LVR above 80% |
| Fixed · 5 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may differ.) | 7.29% | 8.41% | LVR above 80% |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 2 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.69% | 6.81% | LVR up to 70% |
| Fixed · 1 year (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.79% | 6.8% | LVR up to 70% |
| Fixed · 2 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.79% | 6.91% | LVR 70% up to 80% |
| Fixed · 2 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%.) | 6.89% | 8.47% | LVR up to 70% |
| Fixed · 3 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.89% | 6.89% | LVR up to 70% |
| Fixed · 1 year (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.89% | 6.9% | LVR 70% up to 80% |
| Fixed · 1 year (The rates include our 0.10% p.a. discount for LVRs+ up to 70%.) | 6.99% | 8.67% | LVR up to 70% |
| Fixed · 2 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation.) | 6.99% | 8.57% | LVR 70% up to 80% |
| Fixed · 3 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.99% | 6.99% | LVR 70% up to 80% |
| Fixed · 3 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%.) | 7.09% | 8.37% | LVR up to 70% |
| Fixed · 4 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 7.09% | 7% | LVR up to 70% |
| Fixed · 5 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 7.09% | 7.04% | LVR up to 70% |
| Fixed · 1 year (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation.) | 7.09% | 8.77% | LVR 70% up to 80% |
| Fixed · 3 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation.) | 7.19% | 8.47% | LVR 70% up to 80% |
| Fixed · 4 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 7.19% | 7.1% | LVR 70% up to 80% |
| Fixed · 5 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 7.19% | 7.14% | LVR 70% up to 80% |
| Fixed · 4 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%.) | 7.29% | 8.31% | LVR up to 70% |
| Fixed · 5 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%.) | 7.29% | 8.21% | LVR up to 70% |
| Fixed · 4 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation.) | 7.39% | 8.41% | LVR 70% up to 80% |
| Fixed · 5 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation.) | 7.39% | 8.31% | LVR 70% up to 80% |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 2 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.44% | 6.93% | LVR up to 70.00% |
| Fixed · 1 year (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.54% | 6.96% | LVR up to 70.00% |
| Fixed · 2 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.54% | 7.03% | LVR 70% up to 80% |
| Fixed · 2 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%.) | 6.64% | 8.84% | LVR up to 70.00% |
| Fixed · 3 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.64% | 6.98% | LVR up to 70.00% |
| Fixed · 1 year (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.64% | 7.06% | LVR 70% up to 80% |
| Fixed · 1 year (The rates include our 0.10% p.a. discount for LVRs+ up to 70%.) | 6.74% | 9.12% | LVR up to 70.00% |
| Fixed · 2 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation.) | 6.74% | 8.94% | LVR 70% up to 80% |
| Fixed · 3 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.74% | 7.08% | LVR 70% up to 80% |
| Fixed · 3 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%.) | 6.84% | 8.66% | LVR up to 70.00% |
| Fixed · 4 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.84% | 7.06% | LVR up to 70.00% |
| Fixed · 5 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.84% | 7.07% | LVR up to 70.00% |
| Fixed · 1 year (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation.) | 6.84% | 9.22% | LVR 70% up to 80% |
| Fixed · 2 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.84% | 7.33% | LVR above 80% |
| Fixed · 3 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation.) | 6.94% | 8.76% | LVR 70% up to 80% |
| Fixed · 4 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.94% | 7.15% | LVR 70% up to 80% |
| Fixed · 5 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.94% | 7.17% | LVR 70% up to 80% |
| Fixed · 1 year (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.94% | 7.35% | LVR above 80% |
| Fixed · 4 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%.) | 7.04% | 8.54% | LVR up to 70.00% |
| Fixed · 5 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%.) | 7.04% | 8.37% | LVR up to 70.00% |
| Fixed · 2 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation.) | 7.04% | 9.23% | LVR above 80% |
| Fixed · 3 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 7.04% | 7.37% | LVR above 80% |
| Fixed · 4 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation.) | 7.14% | 8.63% | LVR 70% up to 80% |
| Fixed · 5 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation.) | 7.14% | 8.47% | LVR 70% up to 80% |
| Fixed · 1 year (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation.) | 7.14% | 9.52% | LVR above 80% |
| Fixed · 3 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation.) | 7.24% | 9.05% | LVR above 80% |
| Fixed · 4 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 7.24% | 7.45% | LVR above 80% |
| Fixed · 5 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 7.24% | 7.47% | LVR above 80% |
| Fixed · 4 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation.) | 7.44% | 8.92% | LVR above 80% |
| Fixed · 5 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation.) | 7.44% | 8.76% | LVR above 80% |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 2 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70% and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies). Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.34% | 6.95% | LVR up to 70% |
| Fixed · 1 year (The rates include our 0.10% p.a. discount for LVRs+ up to 70% and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies). Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.44% | 6.97% | LVR up to 70% |
| Fixed · 2 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies). Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.44% | 7.05% | LVR above 70% to 80% |
| Fixed · 2 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.54% | 6.94% | LVR up to 70% |
| Fixed · 2 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70% and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies).) | 6.54% | 8.89% | LVR up to 70% |
| Fixed · 3 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70% and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies). Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.54% | 7% | LVR up to 70% |
| Fixed · 1 year (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies). Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.54% | 7.07% | LVR above 70% to 80% |
| Fixed · 1 year (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.64% | 6.96% | LVR up to 70% |
| Fixed · 2 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.64% | 7.04% | LVR 70% up to 80% |
| Fixed · 1 year (The rates include our 0.10% p.a. discount for LVRs+ up to 70% and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies).) | 6.64% | 9.15% | LVR up to 70% |
| Fixed · 2 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies).) | 6.64% | 8.99% | LVR above 70% to 80% |
| Fixed · 3 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies). Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.64% | 7.11% | LVR above 70% to 80% |
| Fixed · 2 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%.) | 6.74% | 8.86% | LVR up to 70% |
| Fixed · 3 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.74% | 6.99% | LVR up to 70% |
| Fixed · 1 year (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.74% | 7.06% | LVR 70% up to 80% |
| Fixed · 3 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70% and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies).) | 6.74% | 8.73% | LVR up to 70% |
| Fixed · 4 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70% and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies). Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.74% | 7.09% | LVR up to 70% |
| Fixed · 5 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70% and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies). Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.74% | 7.12% | LVR up to 70% |
| Fixed · 1 year (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies).) | 6.74% | 9.25% | LVR above 70% to 80% |
| Fixed · 2 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies). Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.74% | 7.35% | LVR above 80% |
| Fixed · 1 year (The rates include our 0.10% p.a. discount for LVRs+ up to 70%.) | 6.84% | 9.13% | LVR up to 70% |
| Fixed · 2 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation.) | 6.84% | 8.96% | LVR 70% up to 80% |
| Fixed · 3 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.84% | 7.09% | LVR 70% up to 80% |
| Fixed · 3 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies).) | 6.84% | 8.83% | LVR above 70% to 80% |
| Fixed · 4 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies). Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.84% | 7.19% | LVR above 70% to 80% |
| Fixed · 5 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies). Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.84% | 7.22% | LVR above 70% to 80% |
| Fixed · 1 year (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies). Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.84% | 7.37% | LVR above 80% |
| Fixed · 3 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%.) | 6.94% | 8.7% | LVR up to 70% |
| Fixed · 4 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.94% | 7.07% | LVR up to 70% |
| Fixed · 5 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.94% | 7.09% | LVR up to 70% |
| Fixed · 1 year (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation.) | 6.94% | 9.23% | LVR 70% up to 80% |
| Fixed · 2 years (There will be an additional 0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.94% | 7.34% | LVR above 80% |
| Fixed · 4 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70% and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies).) | 6.94% | 8.63% | LVR up to 70% |
| Fixed · 5 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70% and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies).) | 6.94% | 8.49% | LVR up to 70% |
| Fixed · 2 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies).) | 6.94% | 9.29% | LVR above 80% |
| Fixed · 3 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies). Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 6.94% | 7.41% | LVR above 80% |
| Fixed · 3 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation.) | 7.04% | 8.79% | LVR 70% up to 80% |
| Fixed · 4 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 7.04% | 7.17% | LVR 70% up to 80% |
| Fixed · 5 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 7.04% | 7.19% | LVR 70% up to 80% |
| Fixed · 1 year (There will be an additional 0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 7.04% | 7.36% | LVR above 80% |
| Fixed · 4 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies).) | 7.04% | 8.74% | LVR above 70% to 80% |
| Fixed · 5 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies).) | 7.04% | 8.59% | LVR above 70% to 80% |
| Fixed · 1 year (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies).) | 7.04% | 9.55% | LVR above 80% |
| Fixed · 4 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%.) | 7.14% | 8.59% | LVR up to 70% |
| Fixed · 5 years (The rates include our 0.10% p.a. discount for LVRs+ up to 70%.) | 7.14% | 8.44% | LVR up to 70% |
| Fixed · 2 years (There will be an additional 0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation.) | 7.14% | 9.26% | LVR above 80% |
| Fixed · 3 years (There will be an additional 0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 7.14% | 7.39% | LVR above 80% |
| Fixed · 3 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies).) | 7.14% | 9.13% | LVR above 80% |
| Fixed · 4 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies). Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 7.14% | 7.5% | LVR above 80% |
| Fixed · 5 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies). Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 7.14% | 7.53% | LVR above 80% |
| Fixed · 4 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation.) | 7.24% | 8.68% | LVR 70% up to 80% |
| Fixed · 5 years (Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation.) | 7.24% | 8.53% | LVR 70% up to 80% |
| Fixed · 1 year (There will be an additional 0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation.) | 7.24% | 9.53% | LVR above 80% |
| Fixed · 3 years (There will be an additional 0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation.) | 7.34% | 9.09% | LVR above 80% |
| Fixed · 4 years (There will be an additional 0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 7.34% | 7.47% | LVR above 80% |
| Fixed · 5 years (There will be an additional 0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.) | 7.34% | 7.49% | LVR above 80% |
| Fixed · 4 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies).) | 7.34% | 9.04% | LVR above 80% |
| Fixed · 5 years (An extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation and a 0.20% p.a. discount for repaying Interest Only in Advance. Interest Only in Advance is a repayment option offering Fixed Rate Investment Property Loan customers an additional interest rate discount for paying up to 12 months interest in advance (minimum period of 3 months applies).) | 7.34% | 8.89% | LVR above 80% |
| Fixed · 4 years (There will be an additional 0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation.) | 7.54% | 8.97% | LVR above 80% |
| Fixed · 5 years (There will be an additional 0.30% p.a. on top of our standard interest rate if you're borrowing over 80% of Westpac's property valuation.) | 7.54% | 8.82% | LVR above 80% |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Annual Package Fee — Charged yearly · For customers opting for Premier Advantage Package | Ongoing | $395.00 |
| Lending Establishment Fee — Discount −$600.00 — This fee is waived for customers that have Premier Advantage Package (other fees apply) (eligibility: Other: With Premier Advantage Package) | Upfront | $600.00 |
| Monthly Loan Account Fee — Charged monthly · Discount −$8.00 — This fee is waived for customers that have Premier Advantage Package (other fees apply) (eligibility: Other: With Premier Advantage Package) | Ongoing | $8.00 |
| Fixed Rate - Lock-In Fee — 0.10% of loan amount for new lending 0.10% for refixes. Rate lock is not available for progress draw loans under the construction option. | Event | 0.1% of balance |
| Lenders Mortgage Insurance Premium — If your deposit is less than 20% then Lenders Mortgage Insurance is usually required. There may be other circumstances where Lenders Mortgage Insurance is also required. As Lenders Mortgage Insurance reduces bank's risk as a lender when providing a home loan, you may be able to apply for a home loan and get into your home sooner, with a lower deposit. Lenders Mortgage Insurance insures bank for any shortfall in the event that you default on your loan and if the proceeds from the property sale are not enough to pay off the loan in full. The cost of Lenders Mortgage Insurance is calculated as a percentage of the loan amount. The percentage applied will vary depending on a number of factors. Please speak to your lender if you would like to understand this process in more detail. The cost of Lenders Mortgage Insurance premium is passed on to you. We do not receive a commission on Lenders Mortgage Insurance. | Upfront | Variable |
| Bank Cheque Issuance Fee — $10 per cheque (1st cheque is free) | Event | $10.00 |
| Break Cost Fee | Event | Variable |
| Missed Payment Fee | Late payment | $15.00 |
| Account Overdrawn Fee | Event | $15.00 |
| Document Processing Fee | Event | $100.00 |
| Property Valuer Fee | Event | Variable |
| Loan Discharge Fee | Exit | $350.00 |
| Extra repayments — Extra repayments (up to $30k on fixed loans) | Event | $0.00 |
| Redraw  — If activated and extra funds are available | Event | $0.00 |
| Repayment holidays or Reduced Repayments  — Repayment holidays or Reduced Repayments of up to 50% for up to 12 months (subject to approval) | Event | $0.00 |
| Construction loan option — Construction loan option (property valuer fees may apply) | Event | $0.00 |
| Portability option — Portability option (keeping your loan but changing the property securing the loan) | Event | $0.00 |
| Loan switching — Loan switching (changing loan or repayment type). Break costs may apply to a fixed rate loan | Event | $0.00 |
| Split Loan Fee | Event | $0.00 |

## Features

- **Peace of mind - Fixing your home loan, means you?ll have greater certainty. You can lock in the same rate and repayments from 1-5 years.**
- **Discounts on other products** — Handy loan options - You can choose to lock in today?s rate (fee applies), package and save for a $395 package fee or split your loan. Eligibility criteria, T&Cs apply.
- **Redraw facility** (Prepay or redraw - Repay weekly, fortnightly or monthly. Plus, prepay or redraw up to $30,000 during your fixed term, with no break costs.)
- **Split loan option**
- **Keep your loan - Selling and buying a new home? Take your loan and rate with you and pay no break costs. Conditions apply.**
- **The product includes a combination loan feature.**
- **The product provides options which includes repayment holiday, portability, progressive drawdown, parental guarantee and lenders mortgage insurance.**
- **The product provides switching (from another product) feature**
- **Loan Payment Method - Direct Debit (preferred), Direct Credit, Branch Payment, Internet or Phone Banking**
- **Repayment types: Principal and Interest, Interest Only, or Interest Only in Advance**
- **Repayment frequencies includes weekly, fortnightly or monthly.**
- **Extra repayments** (Subject to terms and conditions, this product includes extra repayment features.)
- **Fraud protection** (The product includes fraud protection features.)
- **Guarantor supported** (Subject to terms and conditions, this product includes guarantor features.)
- **Relationship management** (Relationship management is available for eligible customers.)
- **Cancellation of the package : A package owner may cancel the package at any time by giving us 14 days advance notice in writing.**
- **Statements of account : We will send you a statement of your loan account at least every six months or more frequently if you request**
- **Comparison rate: The comparison rate is based on a loan of $150,000 over the term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.**
- **Break costs on fixed loan prepayments and switching: customers can make total prepayments of up to $30,000 (cumulative) for fixed loans, without costs or fees applying. You may incur a break cost and administration fee if your prepayments exceed this threshold, or if at any time before the end of a fixed rate period you switch to another product, interest rate (fixed or variable) or repayment type.**
- **Rate Lock: We?ll apply the fixed rate available on the loan settlement date or the date your fixed rate term starts, unless you lock a fixed rate on your loan using our Rate Lock feature. The fixed rate lock-in fee is 0.10% of your loan amount. At the end of the fixed rate term, the interest rate will roll onto our standard variable home loan interest rate, unless a new fixed rate term?s selected and then the fixed rate is determined two business days before the end of the fixed term.**
- **Home and Landlord Insurance: Premier Advantage Package customers may be eligible for an ongoing premium discount of up to 10% on their Westpac Home and Landlord Insurance policies. T&Cs applies**

## Eligibility

- **Minimum age** — 18 years (18+ years old)
- **Residency status** — An Australian citizen or permanent resident
- **Employment status** — Employed or self-employed
- **Individuals, Companies, Discretionary or Family Trusts (Individual or non-individual trustees)**

## Constraints

- **Minimum LVR** — 0%
- **Maximum LVR** — 95%
- **Minimum limit** — $15,000.00 (The minimum amount financed is $15,000)
- **Maximum repayment term 30 years**
- **Loan Maximum - interest only period 10 years**

## More information from Westpac

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

## Data provenance

- Published by Westpac under the Consumer Data Right
- Product ID: `HLFixed`
- Last updated by the provider: 21 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/westpac/HLFixed
- Provider page: https://www.cdrcompare.au/brands/westpac
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000002

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/westpac/products/HLFixed) — 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.

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