Flexi First Option is a basic home loan with a low variable rate, no loan account fee and no lending establishment fee with Principal & Interest repayments.
EXTRA_REPAYMENTS : The product includes extra repayment features.
FRAUD_PROTECTION : The product includes fraud protection features.
GUARANTOR : Subject to terms and conditions, this product includes guarantor features.
REDRAW : Unlimited redraw: You can redraw your extra repayments if you need to.
RELATIONSHIP_MANAGEMENT : Relationship management is available for eligible customers.
OTHER : An extra loan for sustainable upgrades. You could make energy-efficient and climate-resilient upgrades to your home, with a cool 4.49% p.a. variable rate (4.87% p.a. comparison rate), Building Loan Feature: A specialised lending option that is available on selected Westpac loan products. Allows the customer to progressively draw down what is needed to cover the build of their residential property over the construction period., Light on fees : A basic variable loan, with no ongoing fees and a sweet interest rate, Loan Split: Split with a fixed interest rate loan, Online Refinance Offer: This online refinance offer is available for new refinance Flexi First Option Home Loans and Investment Property Loans. This includes both Principal & Interest and Interest Only repayments. Includes a special life-of-loan discount for online applications only with a loan-to-value ratio up to 80%. Not available for trust or company borrowers, internal refinances or refinances from Westpac, St.George, Bank of Melbourne and BankSA. Interest rates are subject to change. Offer may be varied or withdrawn at any time., Our lowest variable rate : Get a low rate with lots of loan flexibility., Repay faster & save: Pay off your home sooner by making unlimited extra repayments, Repayment frequencies includes weekly, fortnightly or monthly, Statements of account : We will send you a statement of your loan account at least every six months or more frequently if you request, Substituting a security : You may ask us to accept a new mortgage over other land as a substitute for any mortgage which is security for your loan. We may agree to this if you satisfy any reasonable requirements that we have, such as repaying part of the loan amount. We will require the new mortgage to be provided at the same time that the existing mortgage is discharged. We charge a fee for substituting a mortgage or other security., Total loan term is up to 30 years, You can apply to increase your home loan using our top up / loan increase feature to pay for things like renovations, home improvements or even a holiday. (fees apply).
Loan Purpose: OWNER_OCCUPIED
Tier: LVR above 70% to 80%
Lending Establishment Fee UPFRONT : 0.00
LVR above 70% to 80% INTEREST_ONLY
VARIABLEDT Modified:2025-08-26