Less worry with our low fixed rate


Three-year fixed rate


Comparison rate

Our Complete Fixed Home Loan Package offers the security of our great fixed home loan rate, plus a rewards credit card and offset accounts. 1 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. Maximum 40% offset is available with our Complete Fixed Home Loan. Close

For owner occupied borrowings with principal and interest repayments. For borrowings up to 90% of the property value and loan sizes of $200,000+. Understand the comparison rate - see 'Things you should know' at the bottom of this page.

0% p.a. for 26 months on balance transfers with the Breeze Mastercard®

Plus, 50% off the annual fee for the first year. 2% balance transfer fee applies. New Breeze customers only. Limited time. Other fees apply. See full T&Cs in the 'Things you should know' section.

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You're looking at Bank of the Year

In September 2019, Canstar awarded us 2019 Bank of the Year for Everyday Banking.

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Things you should know

1. Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. Maximum 40% offset is available with our Complete Fixed Home Loan.

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.

Annual fee disclaimer:
Discounted annual fee and introductory balance transfer rate offer is available to new Bankwest Breeze Mastercard customers who apply from 13 December 2019 until the promotion ends, and are approved. Excludes product transfers from existing Bankwest credit cards.

Discounted annual fee: Annual fee is discounted in the first year and will be payable in full in subsequent years on the anniversary date of card opening.

Introductory balance transfer rate:

  • A 2% balance transfer fee is payable on all transactions to which that balance transfer rate applies​
  • Introductory balance transfer rate excludes cash advances​
  • Applies from the date the card is opened, regardless of when any balance transfer is processed by us​
  • After the intro period, the interest rate on any outstanding transferred balance will be charged at the ongoing rate for balance transfers as outlined in your credit card schedule​
  • Minimum balance transfer amount is $500
  • A balance transfer request will only be processed up to 95% of your approved credit limit.

View balance transfer terms and conditions.

The Bankwest Halo payment ring is only available to Australian citizens and Permanent or Temporary Residents over 16 years of age with an Australian residential address. Fees and charges apply.​​

Bankwest Zero Platinum Mastercard was awarded the 2019 Best Credit Card For Travellers by Finder at the Finder Awards held in August 2019.

The Canstar 2019 Bank of the Year award was received in September 2019 for the Everyday Banking category.

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