Manage my home loan online
Self-serve in your own time
Check out all the things you can do with Australia's #1 banking app1 and Online Banking:
- Activate or use my redraw
- Link an offset account
- Set up a Direct Debit or recurring payment
- Adjust my repayments
- Switch to eStatements
- Check my current rate
- View my property insights
- Make a progress payment to my builder
- Switch to a fixed rate (split or 100% fixed)
- View my fixed rate expiry options
Sign into the Westpac App or Online Banking to manage your home loan
Go to your dashboard
Sign into the Westpac App, type ‘home loan’ in the Search bar and select Self-serve.
In Online Banking, select your home loan, then the ‘More’ dropdown to view options.
Easy-to-follow steps
Follow your Smart Search or account services prompts to complete your request
Having trouble?
If you can’t find what you’re looking for, please call us on 132 558 or book a callback.
Rate review tip #1
We love having you around. So whenever life changes, we're on hand to review your rate and options. We can also tweak your variable home loan with no fee to split or fix your loan, or change to an Interest Only term*.
I want to...
All Westpac fixed and variable home loans come with a redraw facility that lets you make extra repayments, and tap into these ‘available’ funds should you need them (other lenders may not let you redraw from a fixed home loan).
- Up to $100k will be available to redraw from your variable loan online or over the phone each day (unlimited in-branch).
- For fixed loans you can redraw up to your prepayment threshold during your fixed term. And there’s no minimum amount or redraw fee2. There may be a fixed loan break cost+ if you prepay over $30k or adjust your loan within your fixed term.
To redraw, select your home loan account and select Transfer to move funds to a Westpac account, or select Pay to transfer to another bank account.
Haven’t set up your redraw?
To activate redraw, go to Home loan settings, then Manage redraw and follow the instructions.
Your insights & support
My property dashboard
View the properties that secure your Westpac home loans, all in one place. See their estimated values, your loan snapshot and invaluable portfolio insights.
Adjusting repayments
Your repayments aren’t just a set & forget. You can tweak them over the life of your loan to pay off your loan faster. You may also be able to apply to reduce them in the short term.
Ways to lower mortgage stress
Get support and helpful guidance to assess your current circumstances, which could include reducing your minimum repayments or applying for financial hardship assistance.
Keep your home loan on track
Change can be a good thing, especially if you keep your home ownership goals in sight.
Things you should know
Conditions, credit criteria, fees and charges apply. Based on Westpac's credit criteria, residential lending is not available for Non-Australian Resident borrowers.
Read the Westpac Online Banking Terms and Conditions (PDF 620KB) at westpac.com.au before making a decision and consider whether the product is right for you.
1Westpac received the highest score in Digital experience review among Multi-Channel banks in Forrester’s proprietary 2024 Forrester Digital Experience Review of Australian Mobile Banking Apps conducted between June and July 2024. Forrester reviewed 4 banks’ mobile apps across 18 customer scenarios and combined this with a mobile banking app performance score from Forrester’s proprietary Customer Index Survey in Australia. These findings were then combined with findings from unmoderated usability testing with 40 customers of the included brands. Forrester Research does not endorse any company included in any Digital Experience Review and does not advise any person to select the products or services of any particular company based on the ratings included in such reports.
2Redraw facility: if you have ‘available funds’ (you’ve made extra home loan repayments) and you’ve activated your redraw facility, you’re free to redraw them with no redraw fee. Up to $100k will be available to redraw from your variable loan online or over the phone each day (unlimited in-branch). For fixed loans you can redraw up to your prepayment threshold during your fixed term. Read our Home Loan Redraw Authority form (PDF 66KB) for full details.
+Break costs on fixed loan prepayments and switching: customers can make total prepayments of up to $30,000 (cumulative) for fixed loans, without costs or fees applying. You may incur a break cost and administration fee if your prepayments exceed this threshold, or if at any time before the end of a fixed rate period you switch to another product, interest rate (fixed or variable) or repayment type.
3Monthly $5 offset Westpac Choice account-keeping fee waivers:
- The account’s linked to our packaged Rocket Repay Home Loan
- You deposit at least $2,000 each month
- You're under 30 years old, or a full-time tertiary student
- You have an Australian Pensioner Concession Card or Health Care Card
- You’re new to Australia, or an expatriate customer (for the first 12 months).
#Premier Advantage Package: Conditions of Use and $395 annual package fee applies. You must either hold or be approved for a Westpac Choice transaction account in order to qualify and continue to receive the benefits of the Premier Advantage Package. Applicants must have a Westpac Choice transaction account linked to the home loan at the time of settlement and must keep this account open for 60 days after settlement. Before deciding to acquire a Westpac Choice account, read the terms and conditions, and consider whether the product is right for you. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.
Premier Advantage Package Conditions of Use (PDF 200KB)
^Changing repayment amount or frequency: Cannot be performed on an interest-only loan. However, you may make extra repayments. For more details on interest-only home loans.
^^Available for Owner Occupier and Investment Property Loans with Principal & Interest and Interest only repayments. Excludes Line of Credit, Equity Access Loans.
*Interest Only repayments: Conditions apply. It’s important to understand that interest rates for loans with Interest Only repayments are higher. Your repayments will increase at the end of the Interest Only term as the amount you’ve borrowed will need to be paid back in a shorter timeframe. This also means you’ll pay more interest over the life of the loan with an Interest Only repayment term, than if you’d opted to continue paying principal and interest. There’s a maximum of 5 years for Owner Occupied loans and 10 years for Investment loans on Interest Only repayments over the life of the loan. If you’ve had less than this, you may be able to extend the Interest Only repayment term, subject to conditions and a new assessment. You’ll need to start the process well in advance of your expiry date and provide details of your income, expenses and liabilities.