Westpac Offset Account Home Loans, September 2026
Westpac lists 19 offset home loans in the Ratesniffers index today. The lowest is 6.39% p.a. (comparison rate 7.10% p.a.), on Rocket Loan : Variable Home Loan with Offset (Owner Occupied). Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
Westpac offset home loan rates, September 2026
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.
Westpac offset home loans, what to weigh
100% offset accounts reduce interest charged by the balance you keep in them without changing the headline rate. Best paired with salary-account direct deposit + tactical surplus parking. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every offset option has the same price.
See also Westpac's full product range, repayment calculator, and offset savings calculator.