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Bankwest Home Loan Rates

Active products
50
Lowest variable
6.19%
Lowest fixed
6.49%
Lowest comparison
6.23%
Last updated
28 July 2026

Bankwest is a wholly-owned subsidiary of Commonwealth Bank, headquartered in Perth. Historically branch-heavy in WA, the brand transitioned to digital-only in 2024-25, retaining strong home-loan brand recognition through Complete Variable, Simple Home Loan and the Premium Select Package. Pricing is often a step sharper than parent CommBank's.

What is the lowest Bankwest home loan rate?

The lowest Bankwest variable home loan rate Ratesniffers tracks is 6.19% p.a., and the lowest fixed rate is 6.49% p.a. These figures come from the 48 Bankwest products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).

How many home loan products does Bankwest offer?

Ratesniffers currently tracks 48 Bankwest home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.

Bankwest home loan rates at a glance

Product typeRateComparison rateMax LVR
Variable Owner-occupier P&I6.19% p.a.6.23% p.a.98%
Variable Owner-occupier P&I6.19% p.a.6.23% p.a.98%
Variable Investor P&I6.44% p.a.6.48% p.a.95%
Variable Investor P&I6.44% p.a.6.48% p.a.95%
Fixed 1-year Owner-occupier P&I6.49% p.a.6.53% p.a.100%
Fixed 1-year Owner-occupier P&I6.49% p.a.6.53% p.a.100%
Fixed 2-year Owner-occupier P&I6.59% p.a.6.63% p.a.100%
Fixed 2-year Owner-occupier P&I6.59% p.a.6.63% p.a.100%
Fixed 1-year Investor P&I6.69% p.a.6.73% p.a.100%
Fixed 3-year Owner-occupier P&I6.69% p.a.6.73% p.a.100%
Fixed 3-year Owner-occupier P&I6.69% p.a.6.73% p.a.100%
Fixed 1-year Investor P&I6.69% p.a.6.73% p.a.100%

48 Bankwest home loan products

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Who is Bankwest?

Bankwest is a Perth-born bank owned by the Commonwealth Bank, and since 2024 it has operated as a digital-only bank: it closed its remaining branch network that year, converting some regional Western Australian branches to CBA, after 97% of its transactions had already gone digital.

Freed of branch costs, Bankwest now competes on price and digital service nationally, with brokers as a major channel, while keeping its Western Australian identity.

Who suits a Bankwest home loan?

Bankwest tends to suit borrowers comfortable with app and phone banking who want CBA-group backing at sharper-than-big-four pricing, and it remains a strong sentimental pick for Western Australians. If you need branch access, its parent CBA covers that; if not, compare Bankwest's comparison rate against the digital leaders in the table above.

Background facts checked 21 July 2026. Rates above refresh independently.

Bankwest home loans: frequently asked questions

What is the lowest Bankwest home loan rate?

Bankwest's lowest variable home loan rate is currently 6.19% p.a., and its lowest fixed rate is 6.49% p.a., based on the 48 Bankwest products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Bankwest approves, a broker can often negotiate a sharper deal on your scenario.

How does Bankwest's home loan rate compare to the market?

Bankwest's lowest variable home loan rate today is 6.19% p.a., which is 10 basis points above the market median of 6.09% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking Bankwest to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Bankwest sits right now rather than a fixed snapshot.

How many home loan products does Bankwest offer?

Ratesniffers currently tracks 50 Bankwest home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 48 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.

Is Bankwest competitive for refinancing?

It depends on your loan size and LVR. Bankwest's lowest comparison rate is currently 6.23% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Bankwest against the sharpest available rate usually pays off.

How often are Bankwest's home loan rates updated?

Ratesniffers refreshes Bankwest's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever Bankwest reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.

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