Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.29%p.a.
Comparison*
6.30%p.a.
Monthly repayment
$3,092
LVR 70–80%
Westpac
Active products
36
Lowest variable
3.25%
Lowest fixed
6.29%
Lowest comparison
4.24%
Last updated
24 Apr 2026
Westpac Banking Corporation is Australia's oldest bank, established in 1817, and one of the Big Four. Headquartered in Sydney, it operates four lending brands (Westpac, St.George, Bank of Melbourne, BankSA) on a shared loan engine. Its Premier Advantage Package is the long-running offset bundle, and Westpac runs one of the larger broker channels in the country.
1 Westpac home loan products
Negotiate Westpac rates with a broker
Advertised rates aren't always the rate Westpac actually approves. Our broker negotiates against your specific scenario — no fee.
Compare Westpac home loans by purpose
Same Westpac panel, sliced by what borrowers actually search for.
Other lenders you might compare
Same purpose-built rate cards, different lender panels.
Mortgage guides
Plain-English explainers covering the concepts behind every comparison.