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General information and comparison estimates only. Not financial, credit, tax, legal or health advice, and it does not consider your circumstances.General information and estimates only. Not financial, credit, tax or health advice.
Westpac · Home loan rates · Week of 2026-09-07

Westpac home loan rates

Westpac advertises a 6.39% variable rate this week (6.77% comparison). That sits 0.55% above the sharpest rate we track, so if you're a Westpac customer it's worth a closer look.

Variable
6.39%
Comparison
6.77%
3yr fixed
6.54%
Cashback
—
Offset account
No annual fee

Westpac vs the market

The sharpest advertised variable rate we track in Australia this week is 5.84%. A Westpac customer paying the advertised rate is roughly 0.55% above that. On a $500,000 loan, that gap is about $229 a month.

Compare withVariableCashback
My State PM Production6.04%—
Greater Bank5.84%—
Arab Bank Australia Ltd Prod9.29%—
NORTHERN INLAND CREDIT UNION LTD.5.94%—
Police Bank5.94%—
Border Bank5.94%—

Are you on Westpac's best rate?

Existing customers rarely get the advertised rate. Upload your statement and we'll show you the gap in 30 seconds, plus a script to ask Westpac to reprice.

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