Westpac Variable Home Loans, November 2026
Westpac lists 24 variable home loans in the Ratesniffers index today. The lowest is 6.64% p.a. (comparison rate 7.00% p.a.), on Rocket Home Loan Premier Advantage <70% LVR $150k+ P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
Westpac variable home loan rates, November 2026
Interest may be payable in advance. Check the lender's terms for the amount and payment timing.
Interest may be payable in advance. Check the lender's terms for the amount and payment timing.
Interest may be payable in advance. Check the lender's terms for the amount and payment timing.
Interest may be payable in advance. Check the lender's terms for the amount and payment timing.
Interest may be payable in advance. Check the lender's terms for the amount and payment timing.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest may be payable in advance. Check the lender's terms for the amount and payment timing.
Interest may be payable in advance. Check the lender's terms for the amount and payment timing.
Interest may be payable in advance. Check the lender's terms for the amount and payment timing.
Interest may be payable in advance. Check the lender's terms for the amount and payment timing.
Interest may be payable in advance. Check the lender's terms for the amount and payment timing.
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 variable home loans, what to weigh
Variable rates move with the lender's pricing decisions and the cash rate cycle. Less certainty, more flexibility, unlimited extra repayments, full offset. 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 variable option has the same price.
See also Westpac's full product range, repayment calculator, and refinance savings calculator.