Turn Your Home Plans into Reality

From buying your first home to improving or refinancing, access flexible financing tailored to your goals.

Why choose Premium Option Home Loan with Westpac?

Flexible terms that fit your life

Choose repayment terms of up to 30 years with flexible repayment frequencies to suit your budget and cash flow.

Finance more than just a home

Choose repayment terms of up to 30 years with flexible repayment frequencies to suit your budget and cash flow.

More control over your loan

Make extra repayments to reduce interest and access redraw options when needed, giving you greater flexibility and control.

Flexible options to suit your needs

Benefit from features such as interest-only repayments (for a limited period), progressive drawdowns, and the choice of fixed or variable interest rates with refix options.

How to apply in 3 steps

Application form

Download and complete the application form ahead of time.

Need help? You can complete your application form at your local branch.

Download form

Supporting documents

To assess your application, please bring the following documents:

Income verification

  • Last three consecutive pay slips
  • Employer’s letter confirming gross and net income, employment type, HR contact details, and length of service (on company letterhead)
  • Employment contract (if applicable)

Additional income (if applicable)

  • Tenancy agreements for rental income
  • Evidence of any other fixed income sources

Financial records

  • 12 months of bank statements for all accounts including loans, credit cards, hire purchase, savings, and transaction accounts (even if held with other banks)

Other supporting documents

  • FNPF statement
  • Life policy statements showing surrender value (if applicable)
  • Identification documents such as TIN card/letter, driver’s licence, or passport
  • Contract of sale or sale & purchase agreement
  • Valuation by one of bank’s panel of valuers
  • Valid Engineers certificate

 

Note: We may request additional documents or clarification as part of the application assessment.

Submit your application

Book an appointment at your local branch to submit your application. Make sure to bring your completed form and supporting documents. If additional documents are required, we’ll let you know.

Find us

Tip: Get ready for a smoother application                       

Review the 3 simple steps and prepare your documents in advance to avoid delays and complete your application faster.

 

Need help? Contact our customer care team on 132 032. They're ready to help you every step of the way.

Come prepared

Fill out the form and gather the required ID and documents before visting us.

Download form

Give us a call

132 032

Monday to Friday from 8:00am - 6pm

Visit us

Find the nearest branch near you. 

Find us

Things you should know

Premium Option Home Loan brochure (PDF 94KB)

Fiji Lending and Credit Card Fees and Charges Booklet (PDF 149KB)


Westpac's normal lending criteria applies. Fees and Charges apply. Terms and Conditions available on request.

1. Subject to Bank's approval.