You are advised to read the following information first. Then choose continue to go to the application form, which should take about 20 minutes to complete (provided you have all the required information listed below).
Application checklist
You will need the following details to complete your loan application:
Your monthly salary figure (gross and net values)
Income figures from your last two years' tax returns, if you are self-employed (gross and net values)
Your salary or employment number
Your current employer's details (address and phone number)
Details of your previous employment, if you have not been in your current job for three years
Your driver's licence number
Any current account number, if you are an existing Westpac customer
Details of your previous address, if you have not been living at your current address for at least three years
Details of your assets and liabilities including bank accounts, shares, life insurance, motor vehicles and personal effects
For Defence Service Home Loans, you must supply a copy of your Certificate of Entitlement
Interest Rates
As a part of the application process, Westpac provides you with a list of current Interest Rates and Comparison Rate Schedules. To download your copy now, please visit our Comparison Rate pages.
Who can apply
Australian Residents can apply for Home Loans, Defence Service Home Loans, Equity Access Loans and Investment Property Loans
Non-permanent residents of Australia can apply for Investment Property Loans only. If you are planning on migrating to Australia and wish to apply for a home loan, please visit our Migrant banking section.
Do not submit this application if the loan is for a business or business purposes
For help with these types of loans call 1300 130 961 or visit your local Westpac branch.
Next steps
Once you have submitted your application, an authorised Westpac sales representative will phone you to acknowledge the receipt of your application within 24 hours. If we don't have all of the necessary information, we will call or email you to obtain the required details.
Your application will then be assessed and you will receive a phone call or email within two working days to let you know if your finance has been approved, subject to any conditions. At that time we will also discuss the next steps involved in progressing your loan application. Please note that you will be asked to agree to Declarations & Authorities before submitting your application.
Security
When your loan application is transmitted over the Internet it is protected from unauthorised access by a method called encryption. Encryption is a technique of coding the information being sent using random mathematical "keys" so that only you and the bank can readily unscramble the information. These keys are generated for each loan application and are erased when your session is terminated.
Purpose statement
The personal information we collect from you in this application form and which you may subsequently provide to an authorised Westpac Sales Representative, will be used to assess your application for a home loan, and if approved, for administration of the loan, marketing, planning, product development and research purposes.
It may be disclosed to other members of the Westpac Group (which means Westpac Banking Corporation and its related bodies corporate which include Westpac General Insurance Limited and Westpac Financial Services Limited), service providers who do things on our behalf (e.g. mailing house) or to other third parties where it is required or allowed by law or where you have otherwise consented.
You can access this information by calling 132 032. If you do not provide this information your application may not be accepted.
