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W
Westpac
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
VariableOwner occupierInterest only
Interest rate
6.78%
per annum, variable
Comparison rate
5.96%
includes fees & charges
Your repayments on this loan
$750,000
$150,000 · 20%
Loan amount
$600,000
30 yrs
Monthly repayment
$3,904
Total interest
$805k
Total cost
$1.41m
Principal $600,000Interest $805k
General estimate only. Not an offer.
Rate history
Tracking since June 2026Features & benefits
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Fees
Lending Establishment Fee
Monthly Loan Account Fee
Lenders Mortgage Insurance Premium
Fee amounts vary; confirm the current figures on the lender's site.
At a glance
Max LVR95%
Min deposit5%
Loan amountFrom $25k
Repayment typeInterest only
How it compares
Same purpose, rate type & termW
Westpac
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
5.96%
comparison
$3,904
/mo
◆
CommBank
Digi Home Loan (Owner Occupied)
6.47%
comparison
$3,844
/mo
M
Macquarie
Macquarie Basic Home Loan
6.52%
comparison
$3,788
/mo
M
Macquarie
Macquarie Offset Home Loan
6.74%
comparison
$3,788
/mo
◎
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Rate last verified 28 Aug 2026
We recheck daily · how we source rates