Product
Provider
Rate
Fee
Westpac NZ
Westpac New Zealand is part of the Westpac Banking Corporation group, offering home loans, personal loans, savings, term deposits, credit cards and business banking services across New Zealand.
25products across 2 categories
4.49%Best home loan rate
$125Lowest KiwiSaver fee (on $50k)
Home Loans17
See all home loans →| Product | Rate | Term | |
|---|---|---|---|
| Special Fixed 6 Monthfixed | 4.49% | 6 mo | Details → |
| Special Fixed 1 Yearfixed | 4.69% | 12 mo | Details → |
| Special Fixed 18 Monthfixed | 4.99% | 18 mo | Details → |
| Fixed 6 Monthfixed | 5.09% | 6 mo | Details → |
| Special Fixed 2 Yearfixed | 5.19% | 24 mo | Details → |
| Fixed 1 Yearfixed | 5.29% | 12 mo | Details → |
| Special Fixed 3 Yearfixed | 5.29% |
KiwiSaver8
See all KiwiSaver funds →| Fund | Type | Risk | Fee/yr on $50k | 1yr return | |
|---|---|---|---|---|---|
| Westpac Cash | Cash | 2/7 | $125 | — | Details → |
| Westpac Conservative | Conservative | 3/7 | $200 | — | Details → |
| Westpac Default Balanced | Moderate | 4/7 | $200 | — | Details → |
| Westpac Defensive Conservative | Defensive | 3/7 | $200 | — | Details → |
| Westpac Moderate | Moderate | 4/7 | $200 | — | Details → |
| Westpac Balanced | Balanced | 4/7 | $250 | — | Details → |
| Westpac Growth | Growth | 4/7 | $275 | — | Details → |
Mortgage tools
Frequently asked questions
What financial products does Westpac NZ offer?
Westpac NZ offers Home Loans, KiwiSaver in New Zealand. They have 25 active products available for comparison on RatePal.
What is the lowest home loan rate at Westpac NZ?
The lowest current home loan rate from Westpac NZ is 4.49% p.a. Rates vary by loan-to-value ratio, loan term and individual circumstances. Use RatePal's calculator to estimate your repayments.
Does Westpac NZ offer term deposits?
Westpac NZ does not currently have term deposit products listed on RatePal. Check their website for the latest offerings.
Is Westpac NZ a registered bank in New Zealand?
Yes, Westpac NZ is a registered bank with the Reserve Bank of New Zealand (RBNZ). Deposits are covered by the New Zealand Depositor Compensation Scheme (DCS) up to NZ$100,000 per depositor.
How do I apply for a product with Westpac NZ?
You can apply directly through Westpac NZ's website at https://www.westpac-nz.co.nz. RatePal provides comparison information only — click "Apply now" on any product to go to the provider's official application page.
Rates shown are indicative and subject to change. Always confirm current rates and terms directly with Westpac NZ before applying. Last updated: 19 May 2026.