Westpac

Flexi First : Our lowest online variable home loan rate (Owner Occupied)

VariableOwner occupierPrincipal & interest

Interest rate

6.84%

per annum, variable

Comparison rate

6.85%

includes fees & charges

Repayments on this loan

Based on a $600,000 loan over 30 years.

Monthly repayment

$3,928

Total interest

$814k

Total cost

$1,414k

Principal $600,000Interest $814k

Features & benefits

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Redraw

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Extra repayments

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Fees

Lending Establishment Fee

Monthly Loan Account Fee

Lenders Mortgage Insurance Premium

Fee amounts vary; confirm the current figures on the lender's site.

At a glance

Max LVR95%

Min deposit5%

Loan amountFrom $25k

Repayment typePrincipal & interest

How it compares

Same purpose, rate type & term

★

NAB

NAB Tailored Home Loan

6.18%

comparison

$3,632

/mo

◆

CommBank

Digi Home Loan (Owner Occupied)

6.27%

comparison

$3,651

/mo

Macquarie

Macquarie Basic Home Loan

6.36%

comparison

$3,729

/mo

★

NAB

NAB Base Variable Rate Home Loan

6.44%

comparison

$3,769

/mo

Your monthly repayment

$3,928

Rate

6.84%

Comparison

6.85%

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Rate last verified 30 June 2026

We recheck daily · how we source rates

Home Loan Radar is an independent rate-tracking service, not a broker or credit assistance provider. We publish factual rate information and general tools; we don't recommend products, assess suitability or arrange loans. The comparison rate is based on a loan of $150,000 over 25 years. WARNING: this comparison rate is true only for the example given and may not include all fees and charges. Repayment figures are general estimates, not an offer.