We compare 15 rate options across 4 home loans, 1 car loan, 1 personal loan, 2 savings accounts, 3 term deposits and 9 credit cards from Westpac. Its lowest variable owner-occupied principal and interest rate on home loans is 6.24% p.a. (comparison 6.25% p.a.*), on the Flexi First : Our lowest online variable home loan rate (Owner Occupied). Westpac last updated a product in its published data on 16 Oct 2026.
ABN
33 007 457 141
Checked against Westpac’s own published dataWe show all of the product information we are able to access. For banking products that is each provider’s public Consumer Data Right (CDR) Product Reference Data endpoints, published under the Consumer Data Standards (CDS) maintained by the Data Standards Body. Where a provider does not publish a field, or a row is an editorial selection, we say so. on 19 Oct 2026
Compare Westpac Products
Each link opens Westpac’s products in that category, shown with the same figures we use for the rest of the market.
Lowest variable rate, owner-occupied, principal & interest6.24% p.a.6.25% p.a. comparison rate*Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Variable owner-occupied principal and interest rates on 2 of its 4 home loans run from 6.24% to 6.64% p.a., with comparison rates from 6.25% to 7.01% p.a. Of its 15 rate options, 10 are fixed and 5 variable.*
Products Flexi First : Our lowest online variable home loan rate (Owner Occupied), Rocket Loan : Variable Home Loan with Offset (Owner Occupied), Bridging Home Loan, Fixed Rate Home Loan, Flexi First : Our lowest online variable home loan rate (Investor), Rocket Loan : Variable Home Loan with Offset (Investor)
Both of its variable home loans have had a rate change since the RBA’s 29 Sep 2026 decision.
Advertised rates across its 2 savings accounts run from 3.55% to 3.80% p.a. Of those, 2 pay a bonus rate when conditions are met and 1 offers an introductory rate.
Products Westpac eSaver, Bump Savings
These figures leave out 1 business savings account. Show them
Both of its savings accounts have had a rate change since the RBA’s 29 Sep 2026 decision.
Advertised rates across its 3 term deposits run from 4.75% to 5.20% p.a. Terms run from 1 day to 5 years. One headline rate has risen in the last 30 days.
Products Term Deposit, Farm Management Deposit account, Foreign Currency Term Deposit
These figures leave out 1 business term deposit. Show them
Purchase rates across its 9 credit cards run from 9.90% to 23.98% p.a. Of those, 1 publishes a balance transfer or introductory rate. Its average purchase rate is 20.95% p.a., against a market average of 17.59% p.a. across 196 credit cards from 59 providers. 6 headline rates have risen in the last 30 days.
Includes Westpac Lite Card, Low Rate Card, Low Fee Card, Altitude Black Rewards World Mastercard, Altitude Qantas Black, Altitude Qantas Platinum, Altitude Rewards Platinum, Altitude Velocity Black
These figures leave out 4 business credit cards. Show them
Comparison rate warning
*Warning: the comparison rates shown for home loans are calculated by each lender on its own standard example, usually a $150,000 loan over 25 years. 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.
*Warning: the comparison rates shown for car loans and personal loans are calculated by each lender on its own standard example, usually a $30,000 loan over 5 years. 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.
Rates, fees and charges are subject to change without notice. Before acting on any information shown here, you should confirm the rates, fees, charges and product information with the provider. For clarity, where we have used the terms “lowest” or “best”, these relate solely to the rates of interest offered by the provider and not to any other factor. The application of these terms to a particular product is subject to change without notice if the provider changes their rates.
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