Flexi First : Our lowest online variable home loan rate (Owner Occupied)
6.34% p.a.comparison 6.35%≈ $3,729/morecorded
Westpac rates
48 products · home loans from 6.34% · deposits up to 5.20% · recorded 19 Oct 2026
The lowest standard home-loan rate RateSonar recorded for Westpac is 6.34%: Flexi First : Our lowest online variable home loan rate (Owner Occupied), recorded . A lower rate, 3.25% on Flexi First Option Home Loan - Veterans, is a veteran product, not a standard mortgage.
48 products, by product type, best rate first.
Home loans 11
Flexi First : Our lowest online variable home loan rate (Investor)
6.49% p.a.comparison 6.50%≈ $3,788/morecorded
Rocket Loan : Variable Home Loan with Offset (Owner Occupied)
6.74% p.a.comparison 7.11%≈ $3,888/morecorded
Fixed Rate Home Loan
6.84% p.a.comparison 7.12%≈ $3,928/morecorded
Rocket Loan : Variable Home Loan with Offset (Investor)
6.94% p.a.comparison 7.31%≈ $3,968/morecorded
Premium Options Home Loan
9.08% p.a.≈ $4,862/morecorded
recorded ≈ $4,862/moHistory
Variable Rate Investment Property Loan
9.63% p.a.≈ $5,102/morecorded
recorded ≈ $5,102/moHistory
Flexi First Option Home Loan - Veterans
3.25% p.a.≈ $2,611/morecorded
recorded ≈ $2,611/mo
Sustainable Upgrades Investment Loan
4.74% p.a.comparison 4.74%≈ $3,126/morecorded
Sustainable Upgrades Home Loan
4.74% p.a.comparison 4.74%≈ $3,126/morecorded
Bridging Home Loan
9.67% p.a.comparison 9.49%≈ $4,835/mo IOrecorded
Business loans 2
Secured Business Loan
8.16% p.a.recorded
Unsecured Business Loan
14.15% p.a.recorded
Personal loans 2
Unsecured Personal Loan
7.29% p.a.comparison 8.69%recorded
Flexi Loan
18.99% p.a.recorded
recorded View at lender
Car loans 1
Car Loan
5.74% p.a.comparison 7.16%recorded
Savings accounts 16
Westpac Life
5.15% p.a.recorded
Bump Savings
3.55% p.a.recorded
Cash Investment Account
3.00% p.a.recorded
recorded View at lender
Westpac 55+ and Retired
2.90% p.a.recorded
Business Cash Reserve Savings
1.45% p.a.recorded
Community Solutions Cash Reserve
1.45% p.a.recorded
Business Premium Cash Reserve
1.30% p.a.recorded
Westpac eSaver
1.25% p.a.recorded
recorded View at lender
Business One
—recorded
recorded View at lender
Business One - Plus
—recorded
recorded View at lender
Westpac Choice
—recorded
recorded View at lender
Westpac Choice for concession holders
—recorded
recorded View at lender
Westpac Choice for migrants
—recorded
recorded View at lender
Bank account with debit card for Students and young adults
—recorded
recorded View at lender
| 1 | Flexi First : Our lowest online variable home loan rate (Owner Occupied) | Home loans | 6.34% | 6.35% | Owner-occupier | P&I | Variable | — | Standard | 2026-10-19 | View at Westpac History | |
| 2 | Flexi First : Our lowest online variable home loan rate (Investor) | Home loans | 6.49% | 6.50% | Investor | P&I | Variable | — | Standard | 2026-10-20 | View at Westpac History | |
| 3 | Rocket Loan : Variable Home Loan with Offset (Owner Occupied) | Home loans | 6.74% | 7.11% | Owner-occupier | P&I | Variable | — | Standard | 2026-10-20 | View at Westpac History | |
| 4 | Fixed Rate Home Loan | Home loans | 6.84% | 7.12% | Owner-occupier | P&I | Fixed 1y | — | Standard | 2026-10-19 | View at Westpac History | |
| 5 | Rocket Loan : Variable Home Loan with Offset (Investor) | Home loans | 6.94% | 7.31% | Investor | P&I | Variable | — | Standard | 2026-10-20 | View at Westpac History | |
| 6 | Premium Options Home Loan | Home loans | 9.08% | — | Investor | P&I | Variable | — | Standard | 2026-10-19 | —History | |
| 7 | Variable Rate Investment Property Loan | Home loans | 9.63% | — | Investor | P&I | Variable | — | Standard | 2026-10-20 | —History | |
| 8 | Flexi First Option Home Loan - Veterans | Home loans | 3.25% | — | Owner-occupier | P&I | Variable | — | Veteran | 2026-10-20 | — | |
| 9 | Sustainable Upgrades Investment Loan | Home loans | 4.74% | 4.74% | Investor | P&I | Variable | — | Green / solar | 2026-10-20 | View at Westpac History | |
| 10 | Sustainable Upgrades Home Loan | Home loans | 4.74% | 4.74% | Owner-occupier | P&I | Variable | — | Green / solar | 2026-10-19 | View at Westpac History | |
| 11 | Bridging Home Loan | Home loans | 9.67% | 9.49% | Owner-occupier | Interest only | Variable | — | Bridging | 2026-10-19 | View at Westpac History | |
| 12 | Secured Business Loan | Business loans | 8.16% | — | — | P&I | Variable | — | Standard | 2026-10-19 | View at Westpac History | |
| 13 | Unsecured Business Loan | Business loans | 14.15% | — | — | P&I | Fixed 1y | — | Standard | 2026-10-19 | View at Westpac History | |
| 14 | Unsecured Personal Loan | Personal loans | 7.29% | 8.69% | — | P&I | Fixed 7y | — | Standard | 2026-10-19 | View at Westpac History | |
| 15 | Flexi Loan | Personal loans | 18.99% | — | — | P&I | Variable | — | Standard | 2026-10-19 | View at Westpac | |
| 16 | Car Loan | Car loans | 5.74% | 7.16% | — | P&I | Fixed 7y | — | Standard | 2026-10-19 | View at Westpac History | |
| 17 | Westpac Life | Savings accounts | 5.15% | — | — | — | — | Consumer | Standard | 2026-10-19 | View at Westpac History | |
| 18 | Bump Savings | Savings accounts | 3.55% | — | — | — | — | Consumer | Standard | 2026-10-19 | View at Westpac History | |
| 19 | Cash Investment Account | Savings accounts | 3.00% | — | — | — | — | Consumer | Standard | 2026-10-19 | View at Westpac | |
| 20 | Westpac 55+ and Retired | Savings accounts | 2.90% | — | — | — | — | Consumer | Standard | 2026-10-19 | View at Westpac History | |
| 21 | Business Cash Reserve Savings | Savings accounts | 1.45% | — | — | — | — | Business | Standard | 2026-10-19 | View at Westpac History | |
| 22 | Community Solutions Cash Reserve | Savings accounts | 1.45% | — | — | — | — | Consumer | Standard | 2026-10-19 | View at Westpac History | |
| 23 | Business Premium Cash Reserve | Savings accounts | 1.30% | — | — | — | — | Business | Standard | 2026-10-19 | View at Westpac History | |
| 24 | Westpac eSaver | Savings accounts | 1.25% | — | — | — | — | Consumer | Standard | 2026-10-19 | View at Westpac | |
| 25 | Business One | Savings accounts | — | — | — | — | — | Business | Standard | 2026-10-20 | View at Westpac | |
| 26 | Business One - Plus | Savings accounts | — | — | — | — | — | Business | Standard | 2026-10-20 | View at Westpac | |
| 27 | Westpac Choice | Savings accounts | — | — | — | — | — | Consumer | Standard | 2026-10-20 | View at Westpac | |
| 28 | Westpac Choice for concession holders | Savings accounts | — | — | — | — | — | Consumer | Standard | 2026-10-19 | View at Westpac | |
| 29 | Westpac Choice for migrants | Savings accounts | — | — | — | — | — | Consumer | Standard | 2026-10-20 | View at Westpac | |
| 30 | Bank account with debit card for Students and young adults | Savings accounts | — | — | — | — | — | Consumer | Standard | 2026-10-19 | View at Westpac | |
| 31 | Youth Bank Account and Debit Card | Savings accounts | — | — | — | — | — | Consumer | Standard | 2026-10-19 | View at Westpac | |
| 32 | Community Solutions One | Savings accounts | — | — | — | — | — | Consumer | Standard | 2026-10-20 | View at Westpac | |
| 33 | Business Term Deposit | Term deposits | 5.20% | — | — | — | — | Business | Standard | 2026-10-19 | View at Westpac History | |
| 34 | Term Deposit | Term deposits | 5.20% | — | — | — | — | Consumer | Standard | 2026-10-19 | View at Westpac History | |
| 35 | Farm Management Deposit account | Term deposits | 4.75% | — | — | — | — | Business | Standard | 2026-10-19 | View at Westpac History | |
| 36 | Westpac Lite Card | Credit cards | 9.90% | — | — | — | — | — | Standard | 2026-10-20 | View at Westpac | |
| 37 | Low Rate Card | Credit cards | 13.74% | — | — | — | — | — | Standard | 2026-10-20 | View at Westpac | |
| 38 | BusinessChoice Everyday | Credit cards | 14.25% | — | — | — | — | — | Standard | 2026-10-19 | View at Westpac | |
| 39 | Altitude Business Gold | Credit cards | 20.24% | — | — | — | — | — | Standard | 2026-10-19 | View at Westpac | |
| 40 | Altitude Business Platinum | Credit cards | 20.24% | — | — | — | — | — | Standard | 2026-10-19 | View at Westpac | |
| 41 | BusinessChoice Rewards Platinum | Credit cards | 20.24% | — | — | — | — | — | Standard | 2026-10-19 | View at Westpac | |
| 42 | Low Fee Card | Credit cards | 20.99% | — | — | — | — | — | Standard | 2026-10-20 | View at Westpac | |
| 43 | Altitude Qantas Black | Credit cards | 23.98% | — | — | — | — | — | Standard | 2026-10-20 | View at Westpac History | |
| 44 | Altitude Black Rewards World Mastercard | Credit cards | 23.98% | — | — | — | — | — | Standard | 2026-10-20 | View at Westpac History | |
| 45 | Altitude Velocity Black | Credit cards | 23.98% | — | — | — | — | — | Standard | 2026-10-20 | View at Westpac History | |
| 46 | Altitude Qantas Platinum | Credit cards | 23.98% | — | — | — | — | — | Standard | 2026-10-20 | View at Westpac History | |
| 47 | Altitude Rewards Platinum | Credit cards | 23.98% | — | — | — | — | — | Standard | 2026-10-20 | View at Westpac History | |
| 48 | Altitude Velocity Platinum | Credit cards | 23.98% | — | — | — | — | — | Standard | 2026-10-20 | View at Westpac History |
Every lender rate is the advertised value RateSonar recorded on the date shown, from public CDR banking data. Compare across lenders: home loans · savings.
| Lender | Westpac |
|---|---|
| Products on this page | 48 |
| Latest record date | 2026-10-20 |
| Lowest standard home loan | 6.34% · Flexi First : Our lowest online variable home loan rate (Owner Occupied) · 2026-10-19 |
| Highest deposit | 5.20% · Business Term Deposit · 2026-10-19 |
| Assistant access | Connect an AI agent at https://api.ratesonar.com; the steps for each tool are at ratesonar.com/agents. No sign-up and no key. Series calls without a key return the last 31 days. |
Common questions
What is the latest standard home-loan rate RateSonar recorded for Westpac?
6.34% for Flexi First : Our lowest online variable home loan rate (Owner Occupied), recorded on 2026-10-19. That is the lowest standard home loan on this page, not every product the lender sells.
Where do these Westpac rates come from?
Bank websites and public Consumer Data Right product feeds. Each row has the day RateSonar recorded it.
Can I read this in an assistant without an account?
Connect an AI agent at https://api.ratesonar.com; the steps for each tool are at ratesonar.com/agents. No sign-up and no key. Series calls without a key return the last 31 days.