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Home Loan Variable: 5.98% (6.35%*) • Home Loan Fixed: 5.79% (6.39%*) • Fixed: 5.79% (6.39%*) • Variable: 5.98% (6.35%*) • Investment IO: 6.14% (6.58%*) • Investment PI: 5.99% (6.61%*)

  Complete Fixed Home Loan Package

The Complete Fixed Home Loan Package includes a fixed home loan, up to 9 offset accounts, a credit card and other good stuff - including our great rates.
Category: Home Loans  Last Updated April 29, 2024  Effective January 1, 2014

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
6.29% PA
Comparison Rate
7.16%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  LVR
  Term
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 7.24%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 7.14%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 7.84%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  Term
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 7.14%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Term
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 7.22%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 7.86%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  Term
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 7.98%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Term
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 7.22%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 7.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  Term
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 7.32%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Term
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 7.28%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 7.25%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  Term
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 7.38%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 7.79%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  Term
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 8.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  Term
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 7.71%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Term
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 7.23%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 7.31%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 7.25%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Term
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 7.35%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 7.75%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  Term
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 7.38%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  Term
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 7.44%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 8.13%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  Term
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 7.28%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  Term
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 7.40%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 8.14%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  Term
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 7.36%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  Term
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 7.98%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  Term
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 7.50%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  Term
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 7.95%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 95.01 PERCENT Maximum: 98 PERCENT
  Term
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 7.19%, Comparison Rate 8.64%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  Term
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 7.19%, Comparison Rate 8.11%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  Term
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 7.19%, Comparison Rate 7.94%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 95.01 PERCENT Maximum: 98 PERCENT
  Term
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 7.29%, Comparison Rate 8.55%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
  Term
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 7.29%, Comparison Rate 8.19%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 95.01 PERCENT Maximum: 98 PERCENT
  Term
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 7.29%, Comparison Rate 8.81%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 95.01 PERCENT Maximum: 98 PERCENT
  Term
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 7.39%, Comparison Rate 8.48%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 95.01 PERCENT Maximum: 98 PERCENT
  Term
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 7.49%, Comparison Rate 8.98%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Card Access Additional Information: You can link your Bankwest Home Loan account to your Bankwest debit card to enable funds to be deposited into your home loan account. Note you are not able to withdraw funds from the home loan via the linked card.
  • Other Additional Information: Apply for additional lending or reduce your limit, this lets you renovate, upsize, downsize or invest in property. Lending criteria applies. Other fees and charges, such as break fees on a fixed rate loan, may apply.
  • Other Additional Information: No valuation fees are payable for customers with a Complete Home Loan Package.
  • Other Additional Information: Make extra repayments of up to $10,000 a year.
  • Other Additional Information: For investment properties, receive a saving on the cost of depreciation schedule prepared by DEPPRO Pty Ltd.
  • Digital Banking Additional Information: Monitor your account balances through Bankwest Online Banking and the Bankwest App from anywhere, 24/7 - it's easy and secure.
  • Other Additional Information: The Complete Home Loan Package includes a Complete Fixed 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.
  • Other Additional Information: Pay weekly, fortnightly or monthly.
  • Guarantor Additional Information: 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.
  • Other Additional Information: Track your application online in real time with our Home Loan Application Tracker.
  • Other Additional Information: If you feel that interest rates could change before your loan is advanced, you can choose to cap the fixed rate at the time you apply by signing an agreement and paying a fee. This means if fixed rates increase then rate applied will be capped at the fixed rate in the agreement, but if fixed rates decrease then you would receive the lower rate. Note that the cap period is only valid for 3 months.
  • Other Additional Information: Up to 30 years with a fixed term of one to five years.
  • Other Additional Information: 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) and personal needs.
  • Other Additional Information: This loan cannot be used for construction/building or business purposes.
  • Other Additional Information: You can choose to split between variable and fixed. You can also switch between the two at any time later on. Other fees and charges, such as break fees on a fixed rate loan, may apply.
  • Other Additional Information: You can switch between Complete Fixed Home Loan and Complete Variable Home Loan. Early termination fees may apply when switching from a Complete Fixed Home Loan.
  • Notifications Additional Information: Easy 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.
  • Npp Enabled Additional Information: This means you can receive faster payments into this account, often in real time. Keep in mind - this account isn't eligible for PayID.
  • Offset Additional Information: Link up to 9 offset accounts to your Complete Fixed Home Loan. The money in each offset account reduces the balance on which the interest is charged on your home loan.
  • Other Additional Information: Principal & Interest or Interest only options are available.
  • Other Additional Information: 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.
  • Other Additional Information: At the end of the fixed rate period, you'll roll on to our Standard Variable Rate, minus the discount outlined in your loan contract.

 Product Eligibility

  • Min Age - 18. Additional Information: Individuals (natural persons) must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older.
  • Residency Status Additional Information: Available to Australian citizens or permanent residents and to New Zealand citizens residing in Australia.
  • Natural Person - Individuals.
  • Other Additional Information: Security of the home loan is located in Australia.
  • Other Additional Information: Applications for home loans are subject to the Bank's normal credit approval.

 Bank Fees and Charges

  • Application Fee (Upfront), Amount: 0.00. Additional Information: No application fee applies for any home loans under the Complete Package.
  • Bank Cheque Fee (Event), Amount: 10.00. Additional Information: Payable per cheque required for settlement purposes and each time you request a bank cheque.
  • Arrears Notice Fee (Event), Amount: 35.00. Additional Information: Cost is per notice and payable upon notification that your account is in arrears, during the period the loan is in default.
  • Legal Fees (Variable), Amount: Not Listed.. Additional Information: Payable where Bankwest requires external legal services as part of the application.
  • Mortgage Registration Fee (Variable), Amount: Not Listed.. Additional Information: These are payable to Bankwest in reimbursement of Land Titles Office fees. Charges vary depending on the State of lodgement.
  • Discharge Of Pre-existing Mortgage Registration Fee (Variable), Amount: Not Listed.. Additional Information: These are payable to Bankwest in reimbursement of Land Titles Office fees. Charges vary depending on the State of lodgement.
  • Transfer Of Land Registration Fee (Variable), Amount: Not Listed.. Additional Information: These are payable to Bankwest in reimbursement of Land Titles Office fees. Charges vary depending on the State of lodgement.
  • Search Service Fee (Variable), Amount: Not Listed.. Additional Information: These are payable to Bankwest in reimbursement of any title searches required. Charges vary depending on the State and number of searches required.
  • Third Party Fees (including Legal Fees) Associated With The Discharge (Variable), Amount: Not Listed.. Additional Information: These are payable to Bankwest in reimbursement of any third party fees associated with a discharge.
  • Discharge Of Mortgage Registration Fee (Variable), Amount: Not Listed.. Additional Information: These are payable to Bankwest in reimbursement of Land Titles Office fees. Charges vary depending on the State of lodgement.
  • Legal Disbursement Fee (Event), Amount: 250.00. Additional Information: Applies when a new mortgage is being taken. Applies whether the settlement is attended in person or digitally.
  • Complete Home Loan Package Fee (Event), Amount: 395.00. Additional Information: Fee is payable in advance and covers all Complete Home Loans held under the Package.
  • Preparation Of Discharge Of Mortgage Fee (Event), Amount: 300.00. Additional Information: Payable for the preparation of each discharge of mortgage document.
  • Discharge Settlement Attendance Fee (Event), Amount: 38.20. Additional Information: Payable per settlement and applies whether the settlement is attended in person or digitally.
  • Title Production Fee (Event), Amount: 130.00. Additional Information: Cost is per title and payable when Bankwest is required to produce title documents.
  • Search Handling Fee (Event), Amount: 40.00. Additional Information: Cost is per dealing and payable for completion of any search conducted by Bankwest.
  • Home Loan Portability Fee (Event), Amount: 350.00. Additional Information: Fee is payable upon application to Bankwest to substitute an existing security with another security.
  • Default Administration Fee (Event), Amount: 50.00. Additional Information: 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.
  • Loan Increase Fee (Event), Amount: 295.00. Additional Information: Payable when you apply to increase the amount of credit or credit limit under an existing loan.
  • Fixed Rate Break Cost (Variable), Amount: Not Listed.. Additional Information: If the loan, or any part, is paid prior to its due date during the fixed interest rate period and we suffer a loss as a result, the fixed rate break cost is payable on the date of the prepayment.
  • Fixed Rate Break Administration Fee (Event), Amount: 50.00. Additional Information: Payable if and on the date that, during the fixed interest rate period, the loan is repaid in full or terminated by Bankwest by reason of your default.
  • Fixed Rate Capping Fee (Variable), Amount: Not Listed.. Additional Information: The fixed rate capping fee is charged when customers elect to cap their fixed interest rate as a part of the application. The fee is either 0.15% of the actual amount of the loan or $450, whichever is greater.
  • Lenders Mortgage Insurance (Variable), Amount: Not Listed.. Additional Information: 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.

 Limitations & Restrictions (Constraints)

  • Min Limit of 200000.00 Additional Information: Minimum individual loan size is $20,000 however minimum aggregate borrowings required to qualify for the Complete Package is $200,000.

 Document Downloads

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