Whether you're buying for owner occupation, investing or considering refinancing Bankwest have some good options. 100% multiple offset accounts, unlimited additional repayments and redraw, flexibility to split your loan amount between a variable rate and a fixed rate.

Other niches where clients can feel disadvantaged by many lenders include income based on 1 year bonus. Commission income last 6 months, 100% Allowances all industries, overtime 100% assessed for Health and essential services including SES, Health and Emergency, public transport operations including guards, pilots, vets, teachers, Border Force, Correctional officers.

Bankwest has a flexible return to work policy. They will allow income at 80% up to 12 months where applicants have savings to cover current repayment shortfalls.

Bankwest will also consider cash out up to $1M with written commentary. Flexible family Guarantee policy. They will consider larger acreage blocks which is often a frustration for clients looking to borrow in this space. 150 acres/60 hectares where the property has sealed road access, cannot be income producing. Display homes at 80% again can be very hard to finance. Bankwest will consider based on normal market rent for the property.

In other unusual requests that can be hard to find a lending solution for Bankwest will consider 80% lending for for construction of 4 properties on 1 title. They will also accept 1 years financials in isolation