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Review by
Richard Whitten is a senior writer at Finder, and has been covering home loans and the property market in Australia for the last 4 years. He has written for Yahoo Finance, Money Magazine and Homely, as well as multiple banks and lenders. Richard has a Certificate IV in Finance and Mortgage Broking, a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communication. He enjoys helping people understand the ins and outs of mortgages so they can make smarter property decisions. Richard trained as a high school teacher but found it easier to manage personal finances than a classroom full of kids. Before joining Finder, he edited textbooks and taught English in South Korea.
You can apply for this home loan package if you wish to buy a home to live in. It's also available for borrowers refinancing principal and interest investment loans, although different rates apply to investment purchases. You can choose a fixed term of between one and five years, after which you can fix for another term or let the rate revert to a discounted variable rate.
This loan is a package loan, meaning that while you get a competitive interest rate and discounted fees, you will pay an annual package fee. The package, however, offers you access to other Bankwest products with certain fees waived also.
There aren't any application fees charged with this loan, and annual fees on packaged credit cards and offset accounts are also waived. Below are some of the fees that are charged with this loan:
To apply for the Bankwest Complete Home Loan Package - Fixed Rate you can complete your application online on the Bankwest website. Alternatively, you can also visit any Bankwest branch or initiate the application process over the phone.
The application process also requires that you submit a variety of personal, financial, and employment-related information so make sure you have the following at hand when completing your application:
While this fixed rate home loan package offered by Bankwest deserves your attention, know that there are other lenders who offer similar packages. As a result, compare your options well before you sign along any dotted line.