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Home Loans

Here's how it works

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Do it your way
Get your home loan online, over the phone or face-to-face. Whatever suits you.
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Paperless process
Paperwork. Yuck. Use our step-by-step online process to apply instead.
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Get your own rate
We'll personalise an interest rate to you as soon as you finish your application.
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Ask us anything
Not a home loan expert? Don't worry - we are. Ask our Concierge today.

Online only offer: Refinance and get...


$4k

Cashback^ for your first application

Get $4,000 Refinance Cashback when you apply online by 31 January 2020 and settle by 31 March 2020. Available on Basic Home Loans and Advantage Package loans ($395 package fee, $0 fee for Basic home loan). Excludes Owner Occupier loans with interest only repayments and refinances from within Westpac Group. Min. loan size $250k per property. 

Looking to refinance?

Start your application online

Learn how much you could borrow.
Receive indicative approval in under 15 minutes.
Our Concierge will call you once you've submitted your application to help handle the rest of the process.

Free property report

Discover what you need to know about the property trends in your suburb or the estimated value of a property you're looking to buy.

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Basic home loan. Sensational rate.

  • 2.99% p.a. Variable rate
  • 3.01% p.a. Comparison rate*

The Detail

Credit criteria, fees and charges apply. Based on Bank of Melbourne’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change

Before making a decision, it’s best to read the terms and conditions:

Please read these documents and keep a copy. You can request a paper copy at a branch.

*Comparison Rate:The comparison rate is based on a loan of $150,000 over a term of 25 years. After the fixed rate period expires the interest rate will revert to the applicable Standard Variable rate based on loan category and repayment type. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

+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.

^^Basic Home Loan Promotional Rate: This offer is only available for new Owner Occupier Basic Home Loan applications with Principal and Interest repayments received from 28 October 2019. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within St.George, Bank of Melbourne and BankSA. This offer may be varied or withdrawn at any time. Interest rates subject to change.