Before deciding to acquire a Westpac Choice account, read the terms and conditions, and consider whether the product is right for you. The Westpac Flexi First Option Home Loan is a basic home loan with a … and a 2.49% p.a. Excludes refinances within Westpac Group. Our home lending specialist will explain which forms you need to fill out and how to submit them to us – usually at a nearby branch or by email. We’ll then give you an idea of what you could borrow by refinancing with us and arrange a time for a valuer to come out and confirm the property value. Premier Advantage Package Conditions of Use. Applicants must have a Westpac Choice transaction account linked to the home loan at the time of settlement and must keep this account open for 60 days after settlement. A Low Equity Margin may apply. Premier Advantage Package Conditions of Use, Check your balance and repayment (login required), An offset account could help you pay less interest on your home loan, You can make extra repayments on both variable and fixed interest rate home loans, Terms and Conditions or Product Disclosure Statement, Owner occupier: 2 Year Fixed Options Home Loan, Investor: 2 Year Fixed Rate Investment Property Loan, Owner occupier: Flexi First Option Home Loan (inc. 2yr bonus discount), Investor: Flexi First Option Home Loan Investment Property Loan (inc. 2yr bonus discount). Westpac’s current home loan lending criteria and terms and conditions apply. discount off our Flexi First Option Investment Property Loan Principal & Interest Variable Rate for two years from the loan settlement date, at the end of the period it will revert to a 1.29% p.a. The Westpac Flexi First Option Home Loan is a basic home loan with a competitive variable rate and no loan maintenance or extra repayment fees. discount off our Flexi First Option Home Loan Variable Rate for two years from the loan settlement date, at the end of the period it will revert to a 1.14% p.a. #Premier Advantage Package: Conditions of Use and $395 annual package fee applies. +LVR stands for the initial loan to value ratio at loan approval. This offer is only available on new Flexi First Option Home Loans with Principal & Interest repayments. A oat has come up that we like but we would need bridging finance of 155000. Westpac has a range of mortgages that are aimed towards different segments of the market. Terms and Conditions or Product Disclosure Statement. Finance via secured loans available to purchase your next home or invest in property. An option to link a 100% offset account to save on interest. what benefits would we receive if we switched to Westpac. Home loans offered by Westpac. Acceptance by insurance companies is based on things like occupation, health and lifestyle. It offers loans for first home buyers, investors, those looking to refinance, and those who want to access their existing home equity. Flexi First Option or packaged# home loans ($395 annual package fee). Whatever your needs, we can help. We’ll confirm that your financial circumstances haven’t changed and ensure your approval remains valid for a further 90 days. Track your credit score for free in the Finder app, Free Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters. You can learn more about how we make money here. Each Westpac product has specific eligibility criteria but some will apply to all products. We encourage you to use the tools and information we provide to compare your options. Offers may be varied or withdrawn at any time. $2000 Refinance Cashback per property for new refinance applications received between 23 September 2019 to 31 January 2021 and settle by 31 March 2021. Lending criteria apply to approval of credit products. An establishment charge may apply. Excludes Portfolio Loans, switches and refinances of home loans within the Westpac Group which include St.George, Westpac, Bank of Melbourne, BankSA and RAMS. The lender uses the property as security on the loan, which means they can sell it to recoup losses if the borrower can’t continue to make repayments. You can estimate how much you may be able to borrow with Westpac using our borrowing capacity calculator. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters. #Premier Advantage Package: Conditions of Use and $395 annual package fee applies. LVR is the amount of your loan compared to the banks valuation of your property offered to secure your loan expressed as a percentage. An additional fee or higher interest rate may apply to loans if the application is accepted but does not meet the standard lending criteria. Finance via secured loans available to purchase your next home or invest in property. Offer not available for Owner Occupier Interest Only loans or residential lending originated under family or company trusts. Applicants must have a Westpac Choice transaction account linked to the home loan at the time of settlement and must keep this account open for 60 days after settlement. Richard trained as a high school teacher but found it easier to manage personal finances than a classroom full of kids. Westpac has a full range of home loans, including basic, package, line of credit and other specialist loans. A mortgage (or home loan) is an amount of money lent by a bank or financial institution to a borrower so they can buy a residential property for themselves or a renter to live in.
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