Variable
Premier Advantage Variable
- 100% offset
- Unlimited extra repayments
- Redraw
- Premier credit card
Current rate: published on Westpac's own rate card
Major bank
Westpac Banking Corporation
SydneyFounded 1817ACL/Banking Licence 233714
Strengths
- Premier Advantage Package discounts across linked products
- Strong fixed-rate range across 1-5 year terms
- Property Investment specialist team
- Good first home buyer and FHG-aligned products
Watch out for
- Annual package fee of $395
- Default reversion rates higher than headline discount tier
Westpac products
Editorial reference covering the product range Westpac offers and the structural strengths and trade-offs we observe in the market. The current headline rate and comparison rate sit on Westpac\'s own rate card; we do not reproduce them here.
Home loans
Fixed 2yr
Fixed Rate 2 Years (Premier)
- Fixed certainty
- Switch to variable at end of term
Current rate: published on Westpac's own rate card
Fixed 3yr
Fixed Rate 3 Years (Premier)
- Mid-term fixed certainty
Current rate: published on Westpac's own rate card
Car loans
Secured (new vehicle)
Car Loan Secured
- Fixed rate
- PPSR-secured
- New or used vehicle
Current rate: published on Westpac's own rate card
Personal loans
Unsecured
Unsecured Personal Loan
- Fixed rate
- No security
Current rate: published on Westpac's own rate card
Our Westpac coverage
- Westpac review: the independent read
Who they suit, who should look elsewhere, and the verdict.
- Westpac personal loans: the deep dive
Unsecured personal loan up to $50,000, fixed terms 1 to 7 years. The product range, the features that matter, and the honest test on whether it is competitive in 2026.
- Westpac home loans: the deep dive
Premier Advantage package, Flexi First Option, fixed 1 to 5 years. Where Westpac competes, the package discount maths, and the practical positioning.
- Westpac equipment finance: the deep dive
Equipment loans and leases from one of Australia's biggest business banks, with the St.George, Bank of Melbourne and BankSA brands sharing the group's asset finance engine. What Westpac writes, how it prices, and when a broker beats walking into a branch.
- CBA vs Westpac home loan: which Big 4 lender in 2026
Australia's two largest mortgage lenders side-by-side. Package discount maths, branch and digital experience, credit policy nuances, and which Big 4 wins for which file in 2026.
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. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
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The Westpac Banking Corporation rates above are publisher reference. The right product for your situation depends on income, deposit, credit profile, security and serviceability, and that comparison is what a broker does.
★★★★★4.9 across 320+ broker-partner reviewsAustralian Credit Licence 505575Independent. Education first.