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Complete Fixed Home Loan Package

Enjoy the certainty of a fixed rate, plus the flexibility to add other features that suit your needs.

Enquire now Start applying today

Featured rates

Rates for principal and interest payments with loan sizes from $200,000. Different rates apply for interest only.​

Make sure you understand the comparison rate and loan purpose .

Owner occupiers

Up to 80% LVR .

5.89%
p.a.

3 year fixed rate

7.05%
p.a.

Comparison rate

Investors

Up to 90% LVR with LMI .

6.19%
p.a.

3 year fixed rate

7.76%
p.a.

Comparison rate

How the Complete Home Loan Package works

For an annual package fee of $395, you get a Complete Fixed Home Loan, plus the flexibility to add on features to help you manage your mortgage and money your way. 2

For a less lazy home loan, you can choose to add...

Up to nine offset accounts

Slice and dice your money into multiple offset accounts to help you manage your money while saving on home loan interest. Use an offset like an everyday bank or savings account where the balance in each account is reduced from your home loan balance, reducing the overall interest you pay.

40% offset applies, you'll pay no monthly offset fees, and you can easily open single and joint offset accounts in the Bankwest App. Other fees and charges may apply. 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.

An eligible credit card

To enjoy our low ongoing purchase rate, add a Breeze Mastercard® (Classic or Platinum). To earn points on your eligible purchases, add a Bankwest More Mastercard (Classic, Platinum or World) or Bankwest Qantas Mastercard (Platinum or World).

Pick one to suit your needs and pay no annual credit card fee. Other fees and charges may apply. 3 Under the package, only one optional Bankwest Qantas Mastercard, Bankwest More Mastercard or Breeze Mastercard account is allowed per customer. Minimum credit limit is $3,000 for the Bankwest Qantas Platinum Mastercard, $1,000 for the Bankwest More Classic Mastercard and the Breeze Classic Mastercard, and $6,000 for the Bankwest More Platinum Mastercard and Breeze Platinum Mastercard, and $12,000 for the Bankwest More World Mastercard and Bankwest Qantas World Mastercard.

Why choose our Complete Fixed Home Loan Package?

Lock in your rate for one to five years

With a fixed rate loan, you'll have peace of mind knowing that your interest rate and home loan repayments won't change during the fixed period. 2

Flexible repayments

Pay weekly, fortnightly or monthly. Plus, make extra repayments of up to $10,000 a year. ? If you decide to pay interest only, only monthly repayments are permitted.
 4 Redraw is not available while an account is on a Fixed Rate. This feature will be available once the Fixed Rate term ends. Eligible customers who receive a cashback payment into their Fixed Rate home loan account can access those funds upon request.

Save on fees

$0 home loan application fee and property valuation fees. Other fees and charges may apply. 5 Other fees and charges, such as break fees on a fixed rate loan, may apply.

Rates and fees

Rates are based on your loan to value ratio (LVR) and lenders mortgage insurance (LMI) may apply.

Rates shown are for principal and interest repayments with loan sizes from $200,000.
Loan purpose
Up to 80% LVR
Fixed term Fixed rate Comparison rate
1 year
6.19% p.a.
7.29% p.a.
2 year
5.89% p.a.
7.15% p.a.
3 year
5.89% p.a.
7.05% p.a.
4 year
5.99% p.a.
7.00% p.a.
5 year
5.99% p.a.
6.93% p.a.
Understand the comparison rate
Up to 80% LVR
Fixed term
Fixed rate
Comparison rate
1 year
6.19% p.a.
7.29% p.a.
2 year
5.89% p.a.
7.15% p.a.
3 year
5.89% p.a.
7.05% p.a.
4 year
5.99% p.a.
7.00% p.a.
5 year
5.99% p.a.
6.93% p.a.
Understand the comparison rate
80.01% to 90% LVR with LMI
Fixed term Fixed rate Comparison rate
1 year
6.44% p.a.
7.32% p.a.
2 year
6.24% p.a.
7.22% p.a.
3 year
6.24% p.a.
7.16% p.a.
4 year
6.34% p.a.
7.13% p.a.
5 year
6.34% p.a.
7.08% p.a.
Understand the comparison rate
80.01% to 90% LVR with LMI
Fixed term
Fixed rate
Comparison rate
1 year
6.44% p.a.
7.32% p.a.
2 year
6.24% p.a.
7.22% p.a.
3 year
6.24% p.a.
7.16% p.a.
4 year
6.34% p.a.
7.13% p.a.
5 year
6.34% p.a.
7.08% p.a.
Understand the comparison rate
90.01% to 95% LVR with LMI
Fixed term Fixed rate Comparison rate
1 year
6.79% p.a.
7.48% p.a.
2 year
6.49% p.a.
7.39% p.a.
3 year
6.49% p.a.
7.33% p.a.
4 year
6.59% p.a.
7.32% p.a.
5 year
6.59% p.a.
7.28% p.a.
Understand the comparison rate
90.01% to 95% LVR with LMI
Fixed term
Fixed rate
Comparison rate
1 year
6.79% p.a.
7.48% p.a.
2 year
6.49% p.a.
7.39% p.a.
3 year
6.49% p.a.
7.33% p.a.
4 year
6.59% p.a.
7.32% p.a.
5 year
6.59% p.a.
7.28% p.a.
Understand the comparison rate
95.01% to 98% LVR with LMI
Fixed term Fixed rate Comparison rate
1 year fixed rate
7.49% p.a.
8.99% p.a.
2 year fixed rate
7.19% p.a.
8.79% p.a.
3 year fixed rate
7.19% p.a.
8.65% p.a.
4 year fixed rate
7.29% p.a.
8.56% p.a.
5 year fixed rate
7.29% p.a.
8.45% p.a.
Understand the comparison rate
95.01% to 98% LVR with LMI
Fixed term
Fixed rate
Comparison rate
1 year fixed rate
7.49% p.a.
8.99% p.a.
2 year fixed rate
7.19% p.a.
8.79% p.a.
3 year fixed rate
7.19% p.a.
8.65% p.a.
4 year fixed rate
7.29% p.a.
8.56% p.a.
5 year fixed rate
7.29% p.a.
8.45% p.a.
Understand the comparison rate
Up to 90% LVR with LMI
Fixed term Fixed rate Comparison rate
1 year
6.49% p.a.
8.11% p.a.
2 year
6.19% p.a.
7.91% p.a.
3 year
6.19% p.a.
7.76% p.a.
4 year
6.29% p.a.
7.66% p.a.
5 year
6.29% p.a.
7.54% p.a.
Understand the comparison rate
Up to 90% LVR with LMI
Fixed term
Fixed rate
Comparison rate
1 year
6.49% p.a.
8.11% p.a.
2 year
6.19% p.a.
7.91% p.a.
3 year
6.19% p.a.
7.76% p.a.
4 year
6.29% p.a.
7.66% p.a.
5 year
6.29% p.a.
7.54% p.a.
Understand the comparison rate
90.01% to 95% LVR with LMI
Fixed term Fixed rate Comparison rate
1 year
7.29% p.a.
8.20% p.a.
2 year
7.19% p.a.
8.12% p.a.
3 year
6.99% p.a.
7.99% p.a.
4 year
7.09% p.a.
7.96% p.a.
5 year
7.19% p.a.
7.94% p.a.
Understand the comparison rate
90.01% to 95% LVR with LMI
Fixed term
Fixed rate
Comparison rate
1 year
7.29% p.a.
8.20% p.a.
2 year
7.19% p.a.
8.12% p.a.
3 year
6.99% p.a.
7.99% p.a.
4 year
7.09% p.a.
7.96% p.a.
5 year
7.19% p.a.
7.94% p.a.
Understand the comparison rate
Fee Amount
Annual Package fee ? This is charged to the nominated home loan.
$395
Settlement attendance fee (Legal disbursement fee) ? Applies when we take a new security. 
$350
Fee
Amount
Annual Package fee ? This is charged to the nominated home loan.
$395
Settlement attendance fee (Legal disbursement fee) ? Applies when we take a new security. 
$350

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

Rates and fees subject to change. Break fees apply within the fixed period. Download the Key Facts Sheet.

Offset Transaction Account terms and conditions

The relevant Product Schedule together with all of the related documents form the complete Product Disclosure Statement for this product.

Product Schedule:

Related documents:

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.

Get in touch with a Home Lending Specialist

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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.

Other conditions apply.
 

  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. At the end of the fixed rate period, you’ll roll on to our Standard Variable Rate, minus the discount outlined in your loan contract. For owner occupiers the rate is the Standard Variable Reference Rate or the Standard Variable Interest Only Reference Rate. For investment purposes the standard variable rate is the Investor Variable Reference Rate or the Investor Variable Interest Only Reference Rate.
  3. Under the package, only one optional Bankwest Qantas Mastercard, Bankwest More Mastercard or Breeze Mastercard account is allowed per customer. Minimum credit limit is $3,000 for the Bankwest Qantas Platinum Mastercard, $1,000 for the Bankwest More Classic Mastercard and the Breeze Classic Mastercard, and $6,000 for the Bankwest More Platinum Mastercard and Breeze Platinum Mastercard, and $12,000 for the Bankwest More World Mastercard and Bankwest Qantas World Mastercard.
  4. Redraw is not available while an account is on a Fixed Rate. This feature will be available once the Fixed Rate term ends. Eligible customers who receive a cashback payment into their Fixed Rate home loan account can access those funds upon request.
  5. Other fees and charges, such as break fees on a fixed rate loan, may apply.

Package consists of an eligible home loan, one optional eligible credit card per customer and up to nine optional Offset Transaction Accounts per loan.

The Complete Home Loan Package is closed when all home loans included in the package are closed.

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.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.