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Fixed rate home loans

Enjoy the peace of mind that comes with locking in a fixed rate on your home loan and knowing what your repayments will be for one to five years.

Enquire now

Benefits of a fixed rate home loan

Save on interest

With 40% partial offset accounts. 1 Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.

Low deposit options

Owner occupiers can borrow up to 98% of the property value (with LMI).

Make extra repayments​

Of up to $10,000 per annum without penalty.

Stay flexible​

Pay weekly, fortnightly or monthly.

Our fixed rate home loans

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Complete Home Loan Package

Save money by combining your accounts into a simple package with one annual fee.

  • Application fee: $0
  • $395 annual package fee
  • Up to nine offset accounts with no monthly fee and no annual credit card fee. 1 Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.

5.89%
p.a.

3 year fixed rate

7.05%
p.a.

Comparison rate

LVR  up to 80%. Loan sizes from $200,000.
Understand the comparison rate .

Learn more

Fixed Rate Home Loan

Simplicity, only pay for features you need.​

  • Application fee: $295 (usually $695)​​
  • $12 monthly maintenance fee during fixed term​
  • Include one offset account at no extra cost during fixed term. 2 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. No offset fee applies during the fixed term although a $12 monthly loan maintenance fee applies. At the end of the fixed term, a $10 monthly offset fee applies per offset account. Monthly offset fee is charged to the offset account, not the home loan.

6.09%
p.a.

3 year fixed rate

8.20%
p.a.

Comparison rate

LVR  up to 80%. Loan sizes from $20,000.
Understand the comparison rate .

Learn more

Complete Home Loan Package

Save money by combining your accounts into a simple package with one annual fee.

  • Application fee: $0
  • $395 annual package fee
  • Up to nine offset accounts with no monthly fee and no annual credit card fee. 1 Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.

6.19%
p.a.

3 year fixed rate

7.76%
p.a.

Comparison rate

LVR  up to 90% with LMI . Loan sizes from $200,000.
Understand the comparison rate .

Learn more

Fixed Rate Home Loan

Simplicity, only pay for features you need.​

  • Application fee: $295 (usually $695)​​
  • $12 monthly maintenance fee during fixed term​
  • Include one offset account at no extra cost during fixed term. 2 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. No offset fee applies during the fixed term although a $12 monthly loan maintenance fee applies. At the end of the fixed term, a $10 monthly offset fee applies per offset account. Monthly offset fee is charged to the offset account, not the home loan.

6.39%
p.a.

3 year fixed rate

8.72%
p.a.

Comparison rate

LVR  up to 90% with LMI . Loan sizes from $20,000.
Understand the comparison rate .

Learn more

Rates shown are for principal and interest repayments. Different rates apply for interest only.

Why Bankwest?

Dedicated lending specialists

We're available seven days a week, including evenings.

Save on home loan interest

You could pay your home loan off faster with up to nine offset accounts. 1 Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.

Easy applications

Track the progress of your home loan application and sign important documents digitally from anywhere.

Award-winning

MFAA ‘Non-Major Lender of the Year’ for seven years running, Australian Mortgage Awards ‘Bank of the Year’ twice, and Mortgage Business Non-Major Bank of the Year 2024.

Frequently asked questions

A fixed rate home loan lets you fix your interest rate for a set period between one and five years. Your rate and the repayments you make on your home loan won't change during this period. At the end of your fixed rate period, you can choose to either fix a new rate, or roll to a variable rate home loan.

A variable rate home loan has an interest rate that changes over time, making it more flexible than a home loan with a fixed rate. Learn more about the differences between fixed and variable rates.

Splitting a fixed loan would be considered a break in the fixed term, so break fees may apply. If you have a variable loan, it's easy to split your loan between variable and fixed.

The break fee depends on a number of factors, including how long you have left on your fixed period. Learn more about ending your fixed rate home loan early.

An offset account is a transaction account linked to your home loan, and the money in that account “offsets” your home loan so that you pay less interest. Depending on the type of home loan you have, you might be able to set up multiple offset accounts.

Yes. If you have a Complete Variable Home Loan and want to switch to a Complete Fixed Home Loan, you may be able to do this in the Bankwest App. Go to your home loan account and tap 'Manage', then 'Your options' under the loan type to see what's possible.

For other home loan products, if your home loan is with another bank or to discuss your options, you can chat to your broker or one of our Home Loan Specialists about switching your loan.

Get in touch for home loan related queries

Make an enquiry

Talk to a home loan specialist about your options.

Book an appointment​

Whether it's after hours or on the weekend, let us know what works for you and we'll make it happen.​

Start applying​ today

Request a conditional pre-approval or start your application.

Keep exploring

What’s the comparison rate?
It’s a tool that can help you identify the truer cost of a loan. It’s calculated using a standard formula that includes the interest rate, as well as certain fees and charges relating to a loan (not all fees and charges are included).

Comparison rate warning:
Comparison rate is calculated on the statutory assumption of $150,000 loan over 25 years but the minimum required loan amount is $200,000 for the Complete Home Loan Package. Different rates apply for different loan amounts and may depend on the duration of a fixed rate period or the ratio of the loan amount to the property value. 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.

Loan purpose
Loans for a property to live in — also known as owner-occupier loans — include (but aren’t limited to) loans to fund the purchase of a property or refinance an existing loan, where the borrower currently lives or intends to live in the property.

Loans for an investment purpose — also known as investor loans — include (but aren’t limited to) loans where the predominant part is used to invest in shares, land, construction or an established property. They also include refinancing an investor loan.

Loan to Value Ratio (LVR) is the portion of money you are borrowing in relation to the value of the property.

Lenders’ Mortgage Insurance (LMI) is insurance to protect your lender if you have trouble with your repayments in the future. LMI can be an added expense when you’re buying your home, but you can avoid it if you save more than 20% of the value of your property to pay as a deposit.
 

  1. Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
  2. Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. Maximum 40% offset is available with our Fixed Rate Home Loan. No offset fee applies during the fixed term although a $12 monthly loan maintenance fee applies. At the end of the fixed term, a $10 monthly offset fee per offset account applies. Monthly offset fee is charged to the offset account, not the home loan.

Lending and eligibility criteria, and fees and charges, apply for our home loans. Rates are subject to change. The Complete Home Loan Package consists of an eligible home loan, one optional eligible credit card per customer and up to nine optional Offset Transaction Accounts per loan.

Other fees may apply, including government and bank fees. A full list of fees will be set out in your home loan contract.

Digital signing – some exclusions apply. Due to state laws, restrictions apply to digitally signing the Mortgage Form in some States and Territories. Customers must have access to a device (computer or tablet recommended) with internet and email access.

DocuSign is a registered trademark of DocuSign, Inc.

Some exclusions apply for the use of the Home Loan application tracker.