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Westpac Fixed Rate Investment Property Loan

Invest in property and enjoy the security of knowing that your rate won't change during the fixed period.

When you choose the Westpac Fixed Rate Investment Property Loan for your investment property purchase, you have the ability to lock in fixed repayments for up to 5 years.

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Review by


Richard Whitten is an editor 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.

Expert review

Locking in a fixed rate offers peace of mind and certainty about your repayments. But refinancing or repaying the loan early becomes more difficult.

About this loan

What are the features and benefits of the Westpac Fixed Rate Investment Property Loan?

  • Loan-to-Value Ratio (LVR). You can borrow up to 80% of the property's value without insurance, or 95% with Lender's Mortgage Insurance (LMI). Existing Westpac customers may borrow up to 97%.
  • Loan terms. You can have a loan term of up to 30 years to pay off this home loan.
  • Repayment types. You can apply to make interest-only repayments for up to 15 years with this fixed rate loan. You can also take advantage of interest-only payments in advance and get a discounted interest rate for paying it one year in advance. Extra repayments of up to $30,000 are also allowed, which can help you repay your loan sooner and save on interest.
  • Portability. You are allowed to bring your loan to a new home, but this comes with a fee of $300.

How to apply

To find out more about this loan, or to apply, click the 'Go to site' button below. This will take you to the Westpac website where you can arrange a callback or start an application. To arrange a callback, you'll need to enter your contact details.

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