Bank rates
Has Westpac passed on the RBA rate rise?
Westpac’s advertised variable home loan rates, read daily from the product data it publishes under Open Banking rules.
Typical variable rate
6.74%
Last read
29 October 2026
Westpac variable owner-occupier rates
Lowest advertised variable principal-and-interest rate for each of Westpac’s standard owner-occupier home loans. Some products have eligibility conditions.
- Flexi First Option Home Loan - Veterans3.25%
- Sustainable Upgrades Home Loan4.74%
- Flexi First: Our lowest online variable home loan rate (Owner Occupied)6.24%
- Rocket Loan: Variable Home Loan with Offset (Owner Occupied)6.64%
About these rates
Rates are read every six hours from Westpac’s public Consumer Data Right product data and recorded once a day. The typical rate is the median of its advertised variable owner-occupier principal-and-interest rates. Rates are for new loans; existing borrowers may pay a different rate. This is general information, not a recommendation.