Apply for your home loan

From starting your application to settling, we’re with you every step of the way to help you master your home loan.

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You could get conditional approval in 1 business day

Get started online

Tell us about you and your finances, see how much we could lend you and submit your application in as little as 20 minutes.

Discuss your rate with a lender

A lender will call to chat through your application, then run a credit check. You could get conditional approval to confidently make an offer.

Easy settlement

Offer accepted? Time for full approval and signing your loan documents. Then sit back, relax and pick up the keys on settlement day. Congrats!

Start applying

Already started an application? Retrieve your application

How to apply for a home loan

When to apply

Start applying for conditional approval (aka pre-approval) when:

 

Our conditional approval allows you to confidently put in an offer, and be taken seriously by the real estate agent. It lasts 90 days, and can be extended another 90 if your financial circumstances haven’t changed.

 

Already made an offer without conditional approval? Apply ASAP and a lender will work to fully approve your loan.

Eligibility

You’ll need to be:

  • an Australian citizen or permanent resident
  • employed or self-employed
  • 18 years or older.

 

Please book an appointment if:

  • You’re applying for a bridging loan
  • Increasing your current Westpac home loan

What you'll need

When you apply we'll ask about:

  • your income and assets
  • your expenses and debts
  • any dependents you have.

 

Once you've submitted your loan application, we’ll let you know what documents to upload, which may include:

  • bank statements
  • proof of income (self-employed? See what you’ll need)
  • existing property details
  • two types of ID if you’re a new customer (Australian driver licence, Medicare card, passport, Australian birth certificate)

 

Don't worry if you don't have everything, you can always save your application and retrieve it later.

Apply to refinance in around 10 minutes

Simple online experience  

Tell us about your finances and current home loan to see how much we could lend you.  

Don't worry, we’ll let you know before the credit check.

Fast approval 

Choose loan options and a rate that suits you. You could get approval within 1 business day. 

On to settlement

A lender will be in touch to finalise your loan through to settlement.

Accept our loan offer – we’ll help you sort out the rest with your current financial provider. You may be able to settle within a week^^.

Special Online Refinance Offer

5.59% p.a.

  

5.60% p.a.

Online basic variable refinance rate1

  

Comparison rate*


Rate includes: 1.99% p.a. discount1 for online refinance applications for Flexi First Option Owner Occupier home loans on P&I repayments; and 0.10% p.a. discount for LVR+ under 70%.
 

Start applying now Find out more

Already started an application? Retrieve your application

How to apply for a home loan

When to apply

  • See if you could save by switching.
  • Estimate your equity if you’d like to borrow more.
  • Check your current loan – if you have a fixed rate, your current lender may charge a break cost if you leave during the fixed rate term.

Eligibility

You’ll need to be:

  • an Australian citizen or permanent resident
  • employed or self-employed
  • 18 years or older.

 

Please book an appointment if:

  • You’re applying for a bridging loan
  • Increasing your current Westpac home loan

What you'll need

When you apply we'll ask about:

  • your income and assets
  • your expenses and debts
  • any dependents you have.

 

We’ll let you know what documents to upload, which may include: 

  • bank statements
  • proof of income (self-employed? See what you’ll need)
  • existing property details
  • two types of ID if you’re a new customer (Australian driver licence, Medicare card, passport, Australian birth certificate)

 

Don't worry if you don't have everything, you can always save your application and retrieve it later.

Save time, apply online

Apply to refinance in as little as 20 minutes.

Start applying

Book an appointment

A member of our team will be in touch.

Book appointment

Talk with us

132 558
8am-8pm, Mon-Fri
9am-6pm, Sat-Sun (Sydney time)

Or find your nearest branch

Things you should know

Conditions, credit criteria, fees and charges apply. Residential lending is not available for Non-Australian Resident borrowers.

This information is general in nature and has been prepared without taking your personal objectives, circumstances and needs into account. You should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.

The taxation position described is a general statement and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and their interpretation.

Key Fact Sheet for Home Loans


1Online Refinance Offer: This online refinance offer is available for new refinance Flexi First Option Home Loans and Investment Property Loans. This includes both Principal & Interest and Interest Only repayments. Includes a special life-of-loan discount for online applications only with a loan-to-value ratio up to 80%. Not available for trust or company borrowers, internal refinances or switches within the Westpac Group, which includes St.George, Westpac, Bank of Melbourne, BankSA and RAMS. Interest rates are subject to change. Offer may be varied or withdrawn at any time.


+LVR stands for the loan-to-value ratio. LVR is the amount of your loan compared to the Bank's valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and won't change during the life of the loan as the LVR changes. 


*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.


^^Priority Refinance: Only available: on eligible new Westpac home loans; on eligible home loans with your current lender; if your other lender is on the Priority Refinance process list of eligible financial institutions. Your other lender may charge you an additional settlement agent fee, as well as fixed rate home loan break costs. Loan suitability for the Priority Refinance product is determined by Westpac in conjunction with the insurance product guidelines. Priority Refinance is provided by First American Title Insurance Company of Australia Pty Limited ABN 64 075 279 908 Australian Financial Services Licence 263876, trading as First Title, an Australian general insurance company authorised by the Australian Prudential Regulation Authority. Conditions, fees and charges apply. Lending criteria apply to approval of credit products. This info doesn't take your personal objectives, circumstances or needs into account, so please consider Priority Refinance's appropriateness and read the disclosure documents for your selected loan, including the Terms & Conditions, before deciding.


Credit provided by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.