Retrieve your home loan application

Before you submit your application online, we’ll need you to let us know about:

• Your salary and any other income
• Your living expenses 
• Details of any other loans, credit cards or debts
• Info on any assets you’ll use as security against your loan.

Switching your loan to us?

We may be able to verify your ID and income within our secure application – you'll need two types of ID if you’re new to Westpac (Australian driver licence, Medicare card, Passport, Australian birth certificate).

You’ll have the option to securely auto-verify your income paid to other financial institutions.

Yes you can. Once you’ve started your application, you’ll get an email that includes your application number that you can use to retrieve your application when you’re

ready.
 

If you’re an existing Westpac customer, you can also resume your application through your Online Banking.
 

Once you’ve submitted your application, you’ll no longer be able to make changes to it. However, you’ll still be able to upload your documents if required.
 

Please note that for joint refinance applications, if you’re the first applicant and have submitted your application, you won’t be able to retrieve it until the secondary applicant has joined.

Please reach out to your broker or lender to help you if you need to make changes to your application after you’ve submitted it.

If you’re buying a home with someone else, the primary applicant* will complete the application on behalf of both applicants, so the co-applicant won’t need to join the application.

For refinance applications, the primary applicant* needs to complete their part of the online application first. Once they’ve done this, an email will be sent to the coapplicant with a link to join and complete their part of the application.

Please make sure the co-applicant’s current email and mobile number is also correct, as the email invitation can only be sent once.

For additional support, you can get in touch with us from the ‘Need help’ box by selecting ‘Message us now’ to speak with one of our LiveChat agents between 8am-8pm Mon-Thu, 8am-6pm Fri and 9am-6pm (Sydney time), except for public holidays.

*Primary applicant refers to the first applicant that started the application, co-applicant refers to the additional applicant.

After you’ve submitted your application we’ll email and/or SMS you with a confirmation that we’ve received your application and what the next steps are. A lender will aim to be in touch within 1-3 business days to answer your questions and finalise your application.

If your application is approved, you just need to accept our loan offer. If you’re refinancing, we’ll help you sort everything out with your current lender and you may be able to settle within a week.

Once you’ve submitted your application online, you’ll get an email that summarises your application as well as your assigned lender’s name. Your lender will aim to be in touch with you

within 3 business days.

If a lender hasn’t reached out, you can get in touch with us from the ‘Need help’ box by selecting ‘Message us now’ to speak with one of our LiveChat agents between 8am-8pm Mon-Thu, 8am-6pm Fri and 9am-6pm (Sydney time), except for public holidays.
 

If you’re not happy with the level of support you’ve received, you can use our feedback and complaints process.

Westpac currently provides LMI options for first home buyers and for certain healthcare professionals. A lender will be able to help you work out if you’re eligible.

• If you already have a lender, please let them know and they’ll withdraw it for you.
• If you don’t have a lender yet, please get in touch with us from the ‘Need help’ box by selecting ‘Message us now’ to speak with one of our LiveChat agents between 8am-8pm Mon-Thu, 8am-6pm Fri and 9am-6pm Sat-Sun (Sydney time), except for public holidays. 
• Alternatively, you can give us a call on 132 558 between 8am-8pm Mon-Fri and 9am-6pm Sat-Sun (Sydney time).
   

To withdraw your application, we’ll need your application number, full name, postcode, email address and contact number. So we can continue to improve our services, we’d appreciate it if you could also share your reason for withdrawing your application.

We’ve added plenty of helpful tips and prompts throughout the application. But if you’d like some more help, you can:

• Get in touch with us from the ‘Need help’ box by selecting ‘Message us now’ to speak with one of our LiveChat agents between 8am-8pm Mon-Thu, 8am-6pm Fri and 9am-6pm (Sydney time), except for public holidays.
  
• Give us a call on 132 558 between 8am-8pm Mon-Fri and 9am-6pm Sat-Sun (Sydney time).
  

A home finance manager will give you a call once you’ve submitted your application. They’ll answer all your questions, talk through your next steps and update your application, if needed. 

If you’ve forgotten your password or Customer ID, please follow these instructions to reset your password or to find your Customer ID.
 

If you’re a new Westpac customer, we’ll send you an email with your Customer ID once your lender or broker has processed your application. You’ll also get an SMS with a temporary password. You’ll then need to:

• Select the ‘Sign in’ button on the Westpac website.
• Sign in with your Customer ID and temporary password.
   

Please keep in mind that your temporary password will expire. If you haven’t received your Customer ID or temporary password, please come and see us in a branch.

You can use our online borrowing power calculator at any time to get an estimate of your borrowing power using some basic details about your financial situation.

You can also complete an online application without knowing how much you want to borrow – we’ll let you know your borrowing power. We’ll let you know before we do a credit check.

You can estimate your home loan repayments with our home loan repayment calculator.

If you’re buying a property, the first applicant will complete the application for both applicants to speed up the process. A lender will give both applicants a call to finalise the application after it’s been submitted.
 

If you’re refinancing (where you’re switching your loan to us from a bank other than St.George, Bank of Melbourne or BankSA), the first applicant will start the application and submit their part. Once they’ve submitted it, the second applicant will get an email invitation to complete their part. A lender will call both applicants to finalise the application after it’s been submitted.

You can estimate your stamp duty and lenders mortgage insurance payments with our stamp duty and LMI calculator.

Yes you can. You can upload your supporting documents (e.g. statements and pay slips) online or supply them directly to your lender. Your lender will let you know what documents you need.

Our digital home loan application currently doesn’t allow you to include the equity from an existing property that you own.

To discuss applying for a home loan using equity in another property, you can:

• Book an appointment with us and we’ll be in touch.

• Give us a call on 132 558 between 8am-8pm Mon-Fri and 9am-6pm Sat-Sun (Sydney time).

Australian citizens and permanent residents (including New Zealand citizens living in Australia) aged 18 years or older can apply for a home loan online. If you don’t meet this criteria, you can book an appointment with us or head into a branch to speak with a lender about your options.