Find home loan options and calculators

Meet Claire, an awesome customer of ours who came to us when she wanted to refinance her home loan and later purchase an investment property. Use our home loan calculator to estimate what your monthly mortgage repayments could be. Our standard home loan rates below might be different to your actual rate. To check yours – or to see what your rate would be if you switched from variable to fixed – sign in to your Westpac App or Online Banking. There will be no LVR+ discount or margin applied if you’re borrowing above 70% and up to 80% of Westpac’s property valuation.
If you are unsure of some of the terms used on this page, visit our home loan glossary for detailed explanations. The length of the loan term affects the total interest paid over the life of the loan and your minimum repayments. While longer terms result in lower monthly repayments, they also increase the total interest cost. Balancing the loan term with repayment capacity is crucial. Book in a chat with one of our friendly experts, or start applying online and we'll be in touch. Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including any applicable interest rate discounts.
If you are an existing Westpac customer, Get Approved For A Home Loan Adelaide we may contact you with relevant updates, offers, or information that may be of interest. If you prefer not to be contacted, you can opt out at any time by following the instructions provided in our communications or by updating your preferences. It takes a little Westpac to imagine what's possible with your home loan. Adjust your loan amount, loan term and interest rate to see what your repayments could look like.

The Adelaide property market continues to rise across Glenelg, Norwood, North Adelaide and the CBD — making expert lending support essential. Our team supports you throughout the whole process, from the initial loan application to the final payment. We assist with obtaining council approval, managing the building contract, and ensuring your loan is approved by the bank. Our experts help you understand the fees and charges involved and provide ongoing support to navigate any issues that arise during the building process. A house and land package combines the purchase of the land and the construction of the home into a single loan.
LMI can cost thousands of dollars, so if you want to avoid paying it, the best way is by saving at least a 20% deposit before applying for a home loan. It protects the lender (for NRMA Home Loans, this is Bendigo Bank) from financial loss if you can’t afford to meet your repayments and default on the loan. As you go through your application, you may have your property valued, your personal details verified, a credit check completed and validation of your income and expenses in real time.
As you immerse yourself in the richness of this city, First Choice Mortgage Brokers is here to support your financial endeavours. Whether you’re looking to make Adelaide your home or expand your investment portfolio, we are dedicated to helping you achieve financial success. Any tax information described is general in nature and it is not tax advice or a guide to tax laws. We recommend you seek independent, professional tax advice applicable to your personal circumstances. The deposit you need depends on how much you want to borrow. Usually, you need 20% of the property’s value for your deposit, also known as an 80% loan-to-value ratio (LVR+).

Contact us to chat about your home loan and financing options. To find out more about leveraging the equity in Mum and Dad's home so you can get into yours, have an obligation-free chat with one of our experienced staff, Mobile Managers or download our guide. Apply online or make an appointment with one of our lending specialists. Mortgage Broker Brisbane - Hunter Galloway is an Award Winning Mortgage Broker based in Brisbane. We believe buying a home should be stress-free and uncomplicated, and we will work for you to make your dreams become reality. Due to state laws, restrictions apply to digitally signing the Mortgage Form in some States and Territories.
The interest rates represented on this page may include promotional discounts and are subject to change. When assessing ability to service a loan, Westpac may use an interest rate that is higher than the current interest rate for the loan requested. Interest rates shown on this page are current as at  and are subject to change.

If you have nothing material to guarantee the loan against, such as a house or car, you may need to look at an unsecured personal loan. An unsecured personal loan will have slightly higher fees and interest rates to offset the lenders risk for taking on your debt. This means we compare home loan products against others of its type. For example, variable rate home loans against variable rate home loans, and investor home loans against investor home loans.
First home buyers benefit significantly from broker expertise. South Australia offers stamp duty concessions and the First Home Owner Grant for eligible purchasers. Independent brokers understand these programs and can structure your application to maximise benefits while securing competitive rates. This was my  first time getting a home loan, whereas for my partner has gone through the process with Rise High several times. I must admit I was a little nervous and heard of many bad experiences with other companies but this was certainly not the case.