Westpac · Refinance · Updated September 2026

Westpac Refinance Home Loans, September 2026

Westpac lists 24 refinance home loans in the Ratesniffers index today. The lowest is 6.39% p.a., on Flexi First : Our lowest online variable home loan rate (Owner Occupied). Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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Westpac refinance home loan rates, September 2026

WestpacFlexi First : Our lowest online variable home loan rate (Owner Occupied)

VariableRedraw

Interest

6.39%p.a.

Comparison*

Not available

Est. repayment

$3,124

LVR 70 to 80%

Enquire

WestpacFlexi First Option Home Loan Owner Occupied <70% LVR P&I Special

VariableRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR ≤70%

Enquire

WestpacFlexi First Option Home Loan Owner Occupied 70% - 80% LVR P&I Special

VariableRedraw

Interest

6.54%p.a.

Comparison*

Not available

Est. repayment

$3,174

LVR 70 to 80%

Enquire

WestpacPremier Advantage 2 Year Fixed Owner Occupied <70% LVR IO

2y FixedRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR ≤70%

Enquire

WestpacPremier Advantage 2 Year Fixed Owner Occupied <70% LVR IO

2y FixedRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR ≤70%

Enquire

WestpacPremier Advantage 1 Year Fixed Owner Occupied <70% LVR IO

1y FixedRedraw

Interest

6.79%p.a.

Comparison*

Not available

Est. repayment

$3,256

LVR ≤70%

Enquire

WestpacPremier Advantage 2 Year Fixed Owner Occupied 70% - 80% LVR IO

2y FixedRedraw

Interest

6.79%p.a.

Comparison*

Not available

Est. repayment

$3,256

LVR 70 to 80%

Enquire

WestpacPremier Advantage 1 Year Fixed Owner Occupied <70% LVR IO

1y FixedRedraw

Interest

6.79%p.a.

Comparison*

Not available

Est. repayment

$3,256

LVR ≤70%

Enquire

WestpacPremier Advantage 2 Year Fixed Owner Occupied 70% - 80% LVR IO

2y FixedRedraw

Interest

6.79%p.a.

Comparison*

Not available

Est. repayment

$3,256

LVR 70 to 80%

Enquire

WestpacFlexi First Option Home Loan Owner Occupied >80% LVR P&I Special

VariableRedraw

Interest

6.84%p.a.

Comparison*

Not available

Est. repayment

$3,273

LVR 80 to 95%

Enquire

WestpacRocket Loan : Variable Home Loan with Offset (Owner Occupied)

VariableOffsetRedraw

Interest

6.49%p.a.

Comparison*

6.85%p.a.

Est. repayment

$3,157

LVR 70 to 80%

Enquire

WestpacFlexi First : Our lowest online variable home loan rate (Owner Occupied)

VariableRedraw

Interest

6.49%p.a.

Comparison*

6.85%p.a.

Est. repayment

$3,157

LVR 70 to 80%

Enquire

WestpacPremier Advantage 1 Year Fixed Owner Occupied 70% - 80% LVR IO

1y FixedRedraw

Interest

6.89%p.a.

Comparison*

Not available

Est. repayment

$3,290

LVR 70 to 80%

Enquire

WestpacPremier Advantage 3 Year Fixed Owner Occupied <70% LVR IO

3y FixedRedraw

Interest

6.89%p.a.

Comparison*

Not available

Est. repayment

$3,290

LVR ≤70%

Enquire

WestpacFixed Option Home Loan 2 Year Owner Occupied <70% LVR IO

2y FixedRedraw

Interest

6.89%p.a.

Comparison*

Not available

Est. repayment

$3,290

LVR ≤70%

Enquire

WestpacPremier Advantage 1 Year Fixed Owner Occupied 70% - 80% LVR IO

1y FixedRedraw

Interest

6.89%p.a.

Comparison*

Not available

Est. repayment

$3,290

LVR 70 to 80%

Enquire

WestpacPremier Advantage 3 Year Fixed Owner Occupied <70% LVR IO

3y FixedRedraw

Interest

6.89%p.a.

Comparison*

Not available

Est. repayment

$3,290

LVR ≤70%

Enquire

WestpacFixed Rate Home Loan

1y FixedRedraw

Interest

6.79%p.a.

Comparison*

6.90%p.a.

Est. repayment

$3,256

LVR 70 to 80%

Enquire

WestpacFixed Rate Home Loan

2y FixedRedraw

Interest

6.69%p.a.

Comparison*

6.91%p.a.

Est. repayment

$3,223

LVR 70 to 80%

Enquire

WestpacRocket Home Loan Premier Advantage <70% LVR $150k+ IO

VariableOffsetRedraw

Interest

6.98%p.a.

Comparison*

Not available

Est. repayment

$3,320

LVR ≤70%

Enquire

WestpacRocket Home Loan Premier Advantage <70% LVR $150k+ IO

VariableOffsetRedraw

Interest

6.98%p.a.

Comparison*

Not available

Est. repayment

$3,320

LVR ≤70%

Enquire

WestpacFixed Rate Home Loan

3y FixedRedraw

Interest

6.89%p.a.

Comparison*

6.99%p.a.

Est. repayment

$3,290

LVR 70 to 80%

Enquire

WestpacPremier Advantage 3 Year Fixed Owner Occupied 70% - 80% LVR IO

3y FixedRedraw

Interest

6.99%p.a.

Comparison*

Not available

Est. repayment

$3,323

LVR 70 to 80%

Enquire

WestpacFixed Option Home Loan 1 Year Owner Occupied <70% LVR IO

1y FixedRedraw

Interest

6.99%p.a.

Comparison*

Not available

Est. repayment

$3,323

LVR ≤70%

Enquire

*Important Information and Comparison Rate Warning

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 · Refinance

Westpac refinance home loans, what to weigh

Westpac's refinance-eligible products. Compare against your existing rate plus exit costs. 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 refinance option has the same price.