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 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.

Buying a home

1. We’ll email and/or SMS you with your progress and next steps.

2. A lender will aim to be in touch within 3 business days to answer all your questions and chat through your plans. After they’ve spoken with you, they’ll progress your application and run the credit check.

3. You can track the progress of your online application anytime. And if you haven’t already, you can start uploading the documents we’ll need to fully approve your loan.

Switching to Westpac

1. We’ll email and/or SMS you with your progress and next steps – you could get unconditional approval the same day you apply. Don’t worry, we’ll let you know before we run the credit check.

2. A home finance manager will be in touch to finalise your loan and next steps.

3. Accept our loan offer and that’s it – we’ll help you sort everything 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 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.

Yes you can. To withdraw your application, you can:

• Get in touch with us from the ‘Need help’ box by selecting the ‘Message 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 133 558 between 8am-8pm Mon-Fri and 9am-6pm Sat-Sun (Sydney time).

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 the ‘Message 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 133 558 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.