match your loan to your life
with a home loan geared towards flexibility

Variable Rate home loans

Select the Variable Rate home loan you'd like to explore:

If you love flexibility in life, you'll feel right at home with our Rocket Repay home loan. It would allow you to benefit from interest rate drops, and if you link an offset account it could help you pay less interest. What's more, if your situation changes and you need access to your extra repayments, we have options that could help you do so.

Link an offset account to your loan

With a 100% offset account, every dollar in your linked transaction account offsets the loan balance, reducing the interest you need to pay.

Access funds when needed

You could set up a redraw facility to access any extra home loan repayments you have made. Subject to Westpac's approval, and fees apply.

Take a breather

If you're ahead on your home loan, you could take a break by using your extra repayments to make your usual repayments. Conditions apply.

Top up your loan

Apply for a loan that allows you to increase your home loan, if you're in need of extra funds. Subject to Westpac's approval, and fees apply.

Our Packaged Variable Rate home loan

Select the statement that best describes you

4.72 %# p.a.

Variable rate home loan for Owner Occupiers with principal and interest repayments. Under the Premier Advantage Package*. Min loan $150k. Excluding non-resident lending. Annual Package fee $395.

5.10 %1 p.a.

Comparison Rate

The Premier Advantage Package*

Under this package, you'll have access to a discounted home loan interest rate and access to a range of product and service discounts, for an annual fee of $395. Read more.

How do I estimate what my home loan repayments would be?

Enter your information and our calculator will estimate your loan repayments over time.