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^^LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage.  Home loan rates for new loans are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan.

Special offer


Refinance Cash back^

For new Owner Occupier (Principal & Interest) or Investment home loans with the Advantage Package. $395 annual package fee and $250k min loan per property applies. Excludes refinances from within Westpac Group. Applications received by 30 June 2019 and loan settled by 31 August 2019.