Complete Fixed Home Loan Package

The Complete Fixed Home Loan Package includes a fixed home loan, up to 9 offset accounts, a credit card and other good stuff - including our great rates.
Category: Home Loans  Last Updated August 26, 2021  Effective January 1, 2014

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
1.89%PA
Comparison Rate
3.25%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Term
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.06%, Comparison Rate 3.28%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.07%, Comparison Rate 3.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.14%, Comparison Rate 3.36%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.29%, Comparison Rate 3.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Term
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.33%, Comparison Rate 3.27%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.34%, Comparison Rate 3.94%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  Term
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.54%, Comparison Rate 3.97%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  Term
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.59%, Comparison Rate 3.28%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.68%, Comparison Rate 3.85%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  Term
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.69%, Comparison Rate 4.13%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  Term
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.78%, Comparison Rate 3.87%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Term
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.89%, Comparison Rate 3.43%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.99%, Comparison Rate 4.16%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  Term
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.19%, Comparison Rate 4.28%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Term
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.29%, Comparison Rate 3.56%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.39%, Comparison Rate 3.5%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.49%, Comparison Rate 4.3%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  Term
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.59%, Comparison Rate 3.63%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 24 MONTH Maximum: 24 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.59%, Comparison Rate 3.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.59%, Comparison Rate 4.24%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  Term
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.59%, Comparison Rate 3.48%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.79%, Comparison Rate 3.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.79%, Comparison Rate 3.69%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  Term
Minimum: 48 MONTH Maximum: 48 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 3.79%, Comparison Rate 4.27%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Digital Banking Additional Information: Monitor your account balances through Bankwest Online Banking and the Bankwest App from anywhere, 24/7 - it's easy and secure.
  • Offset Additional Information: Link up to 9 offset accounts to your Complete Fixed Home Loan. The money in each offset account reduces the balance on which the interest is charged on your home loan.
  • Other Additional Information: Apply for additional lending or reduce your limit, this lets you renovate, upsize, downsize or invest in property. Lending criteria applies. Other fees and charges, such as break fees on a fixed rate loan, may apply.
  • Other Additional Information: Make extra repayments of up to $10,000 a year and redraw them when you need.
  • Other Additional Information: Get a minimum 50% discount on a depreciation schedule prepared by Deppro Pty Ltd where you take out a Complete Home Loan for investment purposes.
  • Other Additional Information: Pay weekly, fortnightly or monthly.
  • Other Additional Information: A guarantor is someone who agrees to be responsible for repaying a debt owed to us under a loan provided to another individual if the borrower (or borrowers) cannot make their repayments. A guarantor supports the loan by providing us with an additional property as security. By providing a guarantee, we may lend to the borrower in situations where they may not have been able to secure the full amount of the loan they require. Independant legal and financial advice is required for these applications.
  • Other Additional Information: Lenders' Mortgage Insurance (LMI) may apply where there is an increased risk associated with a home loan. The circumstances of your loan determine whether a loan will incur LMI. There is a one-off cost associated with LMI. This LMI premium is not a bank fee or an establishment fee.
  • Other Additional Information: This loan can be used for the purposes of owner occupied or investment property purchases, refinancing your existing home loan, purchasing of vacant land (non-commercial) and personal needs.
  • Other Additional Information: This loan cannot be used for construction/building or business purposes.
  • Other Additional Information: You can choose to split between variable and fixed. You can also switch between the two at any time later on with no transfer fee. Other fees and charges, such as break fees on a fixed rate loan, may apply.
  • Other Additional Information: Principal & Interest or Interest only options are available.
  • Other Additional Information: Choose an optional eligible credit card in the Classic or Platinum tier - and pay no annual credit card fee. Other fees and charges may apply.
  • Redraw Additional Information: Access your surplus balance when you need, online via a Home Loan Access request or at your local branch.

 Limitations & Restrictions (Constraints)

  • Min Limit of 200000.00 Additional Information: Minimum individual loan size is $20,000 however minimum aggregate borrowings required to qualify for the Complete Package is $200,000.

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