From starting your application to settling, we’re with you every step of the way to help you master your home loan.
Tell us about you and your finances, see how much we could lend you and submit your application in as little as 20 minutes.
A lender will call to chat through your application, then run a credit check. You could get conditional approval to confidently make an offer.
Offer accepted? Time for full approval and signing your loan documents. Then sit back, relax and pick up the keys on settlement day. Congrats!
Already started an application? Retrieve your application
Book an appointment or call (Sydney time):
8am-8pm, Mon-Fri
9am-6pm, Sat-Sun
Start applying for conditional approval (aka pre-approval) when:
Our conditional approval allows you to confidently put in an offer, and be taken seriously by the real estate agent. It lasts 90 days, and can be extended another 90 if your financial circumstances haven’t changed.
Already made an offer without conditional approval? Apply ASAP and a lender will work to fully approve your loan.
You’ll need to be:
When you apply we'll ask about:
Once you've submitted your loan application, we’ll let you know what documents to upload, which may include:
Don't worry if you don't have everything, you can always save your application and retrieve it later.
Tell us about your finances and current home loan to see how much we could lend you.
Don't worry, we’ll let you know before the credit check.
Choose loan options and a rate that suits you. You could get approval within 1 business day.
A lender will be in touch to finalise your loan through to settlement.
Accept our loan offer – we’ll help you sort out the rest with your current financial provider. You may be able to settle within a week^^.
Already started an application? Retrieve your application
You’ll need to be:
When you apply we'll ask about:
We’ll let you know what documents to upload, which may include:
Don't worry if you don't have everything, you can always save your application and retrieve it later.
Apply in around 10-20 mins to buy a home or refinance to Westpac.
A member of our team will be in touch.
132 558
8am-8pm, Mon-Fri
9am-6pm, Sat-Sun (Sydney time)
Or find your nearest branch
Suburb / postcodeConditions, credit criteria, fees and charges apply. Residential lending is not available for Non-Australian Resident borrowers.
This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information and if necessary, seek appropriate professional advice. This includes any tax consequences arising from any promotions for investors and customers should seek independent, professional tax advice on any taxation matters before making a decision based on this information.
^^ Priority Refinance: Only available: on eligible new Westpac home loans; on eligible home loans with your current lender; if your other lender is on the Priority Refinance process list of eligible financial institutions. Your other lender may charge you an additional settlement agent fee, as well as fixed rate home loan break costs. Loan suitability for the Priority Refinance product is determined by Westpac in conjunction with the insurance product guidelines. Priority Refinance is provided by First American Title Insurance Company of Australia Pty Limited ABN 64 075 279 908 Australian Financial Services Licence 263876, trading as First Title, an Australian general insurance company authorised by the Australian Prudential Regulation Authority. Conditions, fees and charges apply. Lending criteria apply to approval of credit products. This info doesn’t take your personal objectives, circumstances or needs into account, so please consider Priority Refinance’s appropriateness and read the disclosure documents for your selected loan, including the Terms & Conditions, before deciding.
Credit provided by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.
