Rating based on 37 reviews

Westpac

Updated

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

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Westpac homepage

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

Westpac Home Loan

If you are considering buying your first property, with such a rich history a home loan from Westpac should be your first choice.

Going way back to 1861 when their first customer came knocking, Westpac has grown beyond measure. From humble beginnings to the more than 1.3 million customers they currently serve, they have made it their mission to keep Kiwis happy.

Helping people become financially secure is a high priority for Westpac. They strive to help people achieve that to the best of their ability.

The mortgage with a difference

When it comes to helping people succeed Westpac takes the lead in that division. They are overly excited about helping people. If you are too, Westpac wants to help you by making sure you get the right mortgage for you.

They believe in investing in people's future. This doesn't only apply to their home loans but to everything they offer. Taking out a mortgage from Westpac is an adventure and they will be there with you all the way helping and guiding you.

Contact them today and achieve your dreams.

Join a team that cares for the good of mankind

When it comes down to serving the community, Westpac has that down to the t. They believe in helping to create a thriving living for everyone. There are many ways that Westpac achieves this.

With free workshops, online classes, and tools they are helping Kiwis to become financially educated. They are equally invested in the climate by working together to fight climate change. They believe in working closely with the community on many areas of interest.

Whatever they are passionate about, they will make a plan to create a change for everyone. By empowering the community they help create a sustainable future for all.

What Westpac can offer you

If you are planning on buying your first home, looking to purchase a second property, or just wanting to renovate, you don't have to look any further than Westpac. They dedicate themselves to the success of their customers.

When you are a first-time homeowner, Westpac will guide you through the entire process. They make the journey an enjoyable and exciting one. It is an adventure and they want you to enjoy the excitement of taking that step in life.

When you decide to apply for a home loan from Westpac you are guaranteed to get much more than you bargained for.

Westpac can make your dreams come true

Even if you already own a home and feel the need to renovate, Westpac can help you do that. Making a house your home often means changing a few things. We all have a creative streak and that is no different when it comes to renovations.

Being able to change things to the way that you like them is an exciting thing to do. Not only do you get to make your home as you want it but you are also adding to the value of your home.

Not many people have the financial means to start with renovations. Westpac can help you with the mortgage you need in order to make your dreams come true.

Let Westpac help you to insure your valuables

Many times we find ourselves in situations that are completely beyond our control. In the trying financial time that people find themselves Westpac is there to make things better.

By insuring what is important to you, you can make sure that even when the unexpected happens, you lose nothing. This can give you the peace of mind that if something happens, you are protected. This can be with home and contents insurance or even life insurance.

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

Before you apply, you can make use of their handy calculator. This tool has been made available on their website and is free for you to use.

With this tool, you can work out a close estimate of what you will be repaid on your home loan. Choose the amount you want to borrow and the repayment terms and make sure that it is within your budget.

Below is some of the documentation required: 

  • All your personal information will be required.
  • They will require a form of photo identification.
  • Westpac wants to know how much you want to borrow.
  • They will ask you what the loan is for.
  • It will be required to supply them with your total annual income.
  • You will need to supply information regarding all your current expenses.
  • Lastly, they will require details on the type of home you are looking to purchase.

The four steps to apply

Step one:

You can apply for your home loan in a few ways. You can call them, apply at a branch near you, through a mobile mortgage manager, or online. As soon as you have applied, Westpac will be able to give you a conditional approval.

Step two:

With your conditional approval in hand you can now start looking for the house of your dreams. As soon as you have found your dream home you should get a valuation and arrange for a solicitor. You are now ready to make your offer on the property.

Step three:

If your offer is accepted you can check the details and sign the sale and purchase agreement. You can now sign your home loan documents with the solicitor.

Step four:

You are now ready to start getting movers. Once everything is done, you can move into your brand-new home.

Westpac is the preferred Home loan company 

It is a big step to finally get to the point of purchasing your first home. There is no need to feel left in the dark when there is a lender that can help you. 

Become part of a family that cares for your financial well-being and invest in your future today with a home loan from Westpac.

The benefits 

  • Westpac cares for its community.
  • Your financial success is their main priority.
  • Westpac invests in people's futures.
  • They offer fixed and variable rates.
  • Enjoy interest rates from only 3.99%p.a.

Customer Reviews & Testimonials

January 2020

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 2020

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 —

December 2020

It was a truly amazing experience to be able to get a home loan from Westpac. They really do care for their customers in every possible way. I am excited to be a part of the Westpac family.

Williams E
— Dunedin —

September 2021

We were so scared to apply for a home loan. We were not sure if we would qualify at all. With the home loan calculator on their website we soon found out that we will be able to afford it. We wen...

Brown W
— Wellington —

August 2021

With such a rich history it was easy to choose Westpac for our home loan. They were very helpful and explained the whole process to us. We were at ease all the time and they kept all their promis...

Thompson E
— Auckland —

Westpac Contact Details

Contact Number

E-Mail

  • not available

Website

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