Western Australia Home Loans, November 2026
Compare owner-occupier home loans for Western Australia. Check each product’s interest rate, comparison rate, fees and eligibility, then explore the grants and concessions for buyers in Perth and regional WA.
About these dates
Live rates updated 5 November 2026. Verified snapshot dated 4 November 2026 is used only for promoted 80% LVR claims, not as a second table date. Live figures change as lenders publish. The verified snapshot is the dated 80% LVR matrix used for promoted claims.
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WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
What changes when you compare home loans in Western Australia
Compare home loans in Western Australia using the same loan amount, deposit, repayment type and features. Check the lender's eligibility requirements as well as the interest rate, comparison rate and fees. A published rate is not a personal loan approval.
Upfront costs and home buyer assistance can differ by location. Check each grant or duty concession separately: availability depends on the scheme's current rules and your circumstances. Benefits are not automatically available together. The Australian Government 5% Deposit Scheme has its own eligibility rules, location-based property price caps and participating-lender assessment. Check the official sources linked below before including assistance in your purchase budget.
Buying to live in yourself? See Western Australia owner-occupier home loans. Buying to rent out? See Western Australia investor home loans for the loan features and rate spread specific to landlords.
Shopping by deposit size instead? Western Australia owner-occupier rates are broken out at 80% LVR (no LMI), 90% LVR (LMI required), 95% LVR (Home Guarantee Scheme eligible), and Western Australia investor rates the same way at 80% LVR (no LMI), 90% LVR (LMI required), 95% LVR (Home Guarantee Scheme eligible).
Source: wa.gov.au · Verified September 2026. Cap data from Housing Australia. See also our stamp duty calculator.
WA first home buyer concessions at a glance
| First home owner grant | Up to $10,000 |
|---|---|
| Stamp duty concession | Full exemption on new or established homes ≤ $450,000; concessional rates from $450,000 to $600,000. |
| Home Guarantee Scheme cap | $850,000 (Perth) / $600,000 (rest of WA) |
| WA government scheme | Keystart Home Loans |
How can I compare home loan rates in Western Australia?
Compare the interest rate and comparison rate for the same loan, then check fees, repayment type and features such as offset or redraw. A comparison rate helps compare costs, but the loan amount, term and eligibility also matter. Use the repayment calculator to explore repayments for your loan amount and term.
Home loans outside Perth
Unlike New South Wales, Victoria and Queensland, Western Australia has no regional centres named on the Home Guarantee Scheme’s price-cap list. That means a buyer in Mandurah, Bunbury or Geraldton sits on the same flat $600,000 cap as the rest of regional WA, with no carve-out for size or distance from Perth the way Newcastle, Geelong or the Gold Coast get one in their own states. Only Perth gets the higher $850,000 cap, a straight capital-versus-everywhere-else split with no exceptions.
For a regional WA refinance, compare published interest rates, comparison rates and fees. The rate and loan available to you depend on the lender's assessment, your deposit, the property and the loan features. A comparison table is not a personal loan offer.
Source: Housing Australia, regional centre price caps. Verified 2026-09-06.
Australian Government 5% Deposit Scheme, no LMI
Buy a home with as little as a 5% deposit without paying Lenders Mortgage Insurance, the federal government guarantees the rest. Since 1 October 2025 the scheme has unlimited places, no income caps, and significantly higher property caps. The property must be your principal place of residence (no investors).
Source: firsthomebuyers.gov.au · Verified September 2026
First home buyer benefits in Western Australia
Western Australia home loan FAQs
What are the lowest home loan rates in Western Australia?
Compare the interest rate and comparison rate for each product in the Western Australia table, along with fees, repayment type and eligibility. The lowest advertised rate is not necessarily the lowest total cost for your loan. Grants and concessions for WA have separate eligibility requirements.
What is the First Home Owner Grant in WA?
WA's First Home Owner Grant is Up to $10,000. Buying or building a new home. For transactions commencing from 7 May 2026: ≤ $800,000 south of the 26th parallel (includes Perth metro) / ≤ $1,000,000 north of the 26th parallel. The southern cap was $750,000 for transactions before that date. It's paid in addition to any rate you secure on the comparison table above, see wa.gov.au for the current eligibility detail.
Do first home buyers pay stamp duty in WA?
Full exemption on new or established homes ≤ $450,000; concessional rates from $450,000 to $600,000. These concessions can be worth more than a small difference in interest rate, so factor them into your total cost, not just the headline rate. Authority: wa.gov.au.
What is the Home Guarantee Scheme property price cap in WA?
$850,000 (Perth) / $600,000 (rest of WA) Under the federal Home Guarantee Scheme, eligible buyers in WA can purchase under that cap with as little as a 5% deposit and no Lenders Mortgage Insurance, the government guarantees the difference. It works with any lender on the scheme's panel, including several on the table above.
What WA government home buyer support is available?
Keystart Home Loans: WA-government-owned lender. Offers home loans with deposits as low as 2% with no LMI for eligible WA residents. Income and property caps apply. It can be combined with a competitive rate from the table above. Check current eligibility before you apply.
Do home loan rates differ between Perth and regional WA?
Compare offers in Perth and regional WA using the same loan amount, deposit, repayment type and features. Check the lender's product eligibility and your individual offer rather than assuming every buyer receives the same rate. Location can also affect government scheme property price caps and access to state assistance. Check the official scheme sources for the property you are considering.