Rating based on 37 reviews



  • Low-interest starting from 4.25%
  • Property finance up to $300,000
  • Repayment up to 30 years

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Author Westpac. Screenshot of Westpac website. [Accessed May 23, 2018]

About Westpac

As one of New Zealand’s most iconic and well known brands, Westpac has been building long term relationships with big businesses, corporate organizations, government and customers for many years.

Whether we’re leading the way to a greener future or innovating to make banking simpler – we’re always at the forefront of technology and innovation.

Offering you the best the world has to offer

Whether it’s our low rate mortgages, business loans or superior range of credit cards, when you choose Westpac you’re choosing the company that offers world-class banking products and services. At Westpac we focus on the small details that make a difference to the everyday lives of our customers while never losing sight of the big picture.

What Westpac can offer you

Westpac offers the most comprehensive and competitive banking and lending services in the country with over 11 home loan options for the first time home buyer, home mover or property investor to choose from.

We offer a range of banking accounts, personal loans, KiwiSaver accounts and credit cards and superior business loans to all customers.

Our home loans at your fingertips

Whether you’re looking to purchase your very first home or are looking to refinance – we have a range of options that are designed to offer you the best. We’re the only bank that lets you combine your home loan with your everyday transactional account or earn Airpoints dollars with your mortgage – if it’s a superior loan you’re looking for Westpac is the right choice for you!

Westpac Product Details

  • Loan Type Property finance
  • Interest Rate 4.25 – 5.65% p/a
  • Loan Amount up to $300,000
  • Repayment 12 months to 30 years

Buying your dream home is just one online loan application away

If you already bank with Westpac you can apply for a loan online by logging into your online banking and selecting the home loan application option.

Existing customers can apply online in just minutes and will not have to submit as many supporting documents to get an offer. You could also call us or come to see us whenever it suits you!

New customers can apply in 4 ways

New customers that are interested in a mortgage with Westpac can make an online application which can be completed in just 10 minutes. We also welcome you to make your way to any of our nationwide branches to speak to a mortgage manager, fill in our call-back form or call us to discuss your options. Finally, we can also send out a mortgage manager to you – simply let us know and we’ll make things happen!

How can I enhance my chances of being approved for credit?

If you are looking for a quicker way of ensuring that your credit profile is always up to standard, you have to ensure that you pay all your debts in time. Failure to do this will render your credit profile negative and you may have difficulty getting a debt consolidation loan in the future. We always advise our customers to not apply for an advance plan unless it is really important and necessary.

What can I use my loan for?

While the main purpose of credit is to give clients’ money so they can attend to their debt consolidation issues, they can use the loan for anything. We are not worried about what you intend on using the money for, as long as you meet our requirements, we will transfer the money into the bank account details that you have provided us.

Can I pay my loan earlier than the required date?

If you would like to settle your debt consolidation loan earlier than the scheduled date, you are welcome to do so. There will be no additional charges made to you.  In fact, this will give you a few brownie points.

Customer Reviews & Testimonials

January 2019

Technology has evolved and we tend to need help here and there. A friendly agent from Westpac assisted me during my credit requesting process and didn’t even complain. Such lovely employees you h...

Gerald K
— Alexandra —

March 2019

Thanks to Westpac, I was able to get a home loan that afforded me to be able to pay for my other financial obligations. The interest rate charges weren’t too high and my budget wasn’t under press...

Britney C
— Amberley —

Westpac Contact Details

Contact Number


  • not available


Physical Address

Postal Address

  • Takutai Square, 16 Takutai Square, Auckland, 1010, New Zealand

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:30
  • Saturday 09:30 – 13:00
  • Sunday – Closed