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ANZ Home Loans |
ANZ Standard Variable |
ANZ Fixed |
ANZ Simplicity PLUS |
ANZ Standard Variable |
ANZ Fixed |
ANZ Standard Variable |
ANZ Fixed |
ANZ Simplicity PLUS |
ANZ Standard Variable |
ANZ Fixed |
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Product information |
The flexibility you need |
The certainty of fixed repayments |
Keep it simple with no ongoing fees |
The flexibility you need |
The certainty of fixed repayments |
The flexibility you need |
The certainty of fixed repayments |
Keep it simple with no ongoing fees |
The flexibility you need |
The certainty of fixed repayments |
Overview |
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Description |
Our most flexible home loan with plenty of features to suit your needs. You can offset your loan, pay it off early or access extra repayments you've made. |
An ANZ Fixed loan can give you the certainty of a fixed interest ratedisclaimer, and the peace of mind of knowing your repayments won't change during the fixed period. |
If you want a competitive variable rate loan, and only need basic features, consider ANZ Simplicity PLUS. It's a simple loan that gives you the ability to make extra repayments to pay it off sooner. |
ANZ Standard Variable is full of features, so you can react to changes in your life or circumstances. It could be especially useful if you're trying to pay off your loan early or need to access the extra repayments you've made. |
An ANZ Fixed loan can give you the certainty of a fixed interest ratedisclaimer, and the peace of mind of knowing your repayments won't change during the fixed period. |
Our most flexible home loan with plenty of features to suit your needs. You can offset your loan, pay it off early or access extra repayments you've made. |
An ANZ Fixed loan can give you the certainty of a fixed interest ratedisclaimer, and the peace of mind of knowing your repayments won't change during the fixed period. |
If you want a competitive variable rate loan, and only need basic features, consider ANZ Simplicity PLUS. It's a simple loan that gives you the ability to make extra repayments to pay it off sooner. |
ANZ Standard Variable is full of features, so you can react to changes in your life or circumstances. It could be especially useful if you're trying to pay off your loan early or need to access the extra repayments you've made. |
An ANZ Fixed loan can give you the certainty of a fixed interest ratedisclaimer, and the peace of mind of knowing your repayments won't change during the fixed period. |
Principal and interest - current interest rate |
Interest rate with discount when borrowing 80% or less of the property valuedisclaimer Can I go lower? Talk to us to find out if a further discount could apply to your standard variable rate, depending on your situation. |
2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer |
Interest rate with Special Offer Discountdisclaimer when borrowing 70% or less of the property valuedisclaimer |
Interest rate under the ANZ Breakfree packagedisclaimer borrowing 80% or less of the property valuedisclaimer with total mortgage lending amount $150,000 plus Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. The ANZ Breakfree Package is not longer available for sale. Discounts vary based on lending amounts Loan to Value Ratio requirements and other eligibility criteria. Terms and conditions, minimum lending requirements and eligibility criteria applydisclaimer. |
2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer
Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. The ANZ Breakfree Package is no longer availabe for sale. Discounts vary based on lending amounts Loan to Value Ratio requirements and other eligibility criteria. Terms and conditions, minimum lending requirements and eligibility criteria apply.disclaimer For existing Breakfree Package customers, if you renegotiate or take out an additional ANZ home loan account on and from 19 March to 10 September 2022 and link it to your existing Breakfree Package, you will receive an interest rate discount under the Breakfree Package. No further interest rate discounts will apply. |
Interest rate with discount when borrowing 80% or less of the property valuedisclaimer Can I go lower? Talk to us to find out if a further discount could apply to your standard variable rate, depending on your situation. |
2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of property valuedisclaimer |
Interest rate with Special Offer Discountdisclaimer when borrowing 70% or less of the property valuedisclaimer |
Interest rate under the ANZ Breakfree packagedisclaimer borrowing 80% or less of the property valuedisclaimer with total mortgage lending amount $150,000 plus Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. The ANZ Breakfree Package is not longer available for sale. Discounts vary based on lending amounts Loan to Value Ratio requirements and other eligibility criteria. Terms and conditions, minimum lending requirements and eligibility criteria applydisclaimer. |
2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer
Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. The ANZ Breakfree Package is no longer availabe for sale. Discounts vary based on lending amounts Loan to Value Ratio requirements and other eligibility criteria. Terms and conditions, minimum lending requirements and eligibility criteria apply.disclaimer For existing Breakfree Package customers, if you renegotiate or take out an additional ANZ home loan account on and from 19 March to 10 September 2022 and link it to your existing Breakfree Package, you will receive an interest rate discount under the Breakfree Package. No further interest rate discounts will apply. |
Principal and interest - comparison rate |
Interest rate with discount when borrowing 80% or less of the property valuedisclaimer |
2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer |
Comparison rate with Special Offer Discountdisclaimer when borrowing 70% or less of the property valuedisclaimer |
Interest rate under the ANZ Breakfree packagedisclaimer borrowing 80% or less of the property valuedisclaimer with total mortgage lending amount $150,000 plus |
2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer
|
Interest rate with discount when borrowing 80% or less of the property valuedisclaimer |
2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of property valuedisclaimer |
Comparison rate with Special Offer Discountdisclaimer when borrowing 70% or less of the property valuedisclaimer |
Interest rate under the ANZ Breakfree packagedisclaimer borrowing 80% or less of the property valuedisclaimer with total mortgage lending amount $150,000 plus |
2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer
|
Interest only - current interest rate |
Interest rate with discount when borrowing 80% or less of the property valuedisclaimer |
2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer |
N/A |
disclaimer, disclaimer, disclaimer Interest rate under the ANZ Breakfree packagedisclaimer borrowing 80% or less of the property valuedisclaimer with total mortgage lending amount $150,000 plus Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. The ANZ Breakfree Package is not longer available for sale. Discounts vary based on lending amounts Loan to Value Ratio requirements and other eligibility criteria. Terms and conditions, minimum lending requirements and eligibility criteria applydisclaimer. |
2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer
Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. The ANZ Breakfree Package is no longer availabe for sale. Discounts vary based on lending amounts Loan to Value Ratio requirements and other eligibility criteria. Terms and conditions, minimum lending requirements and eligibility criteria apply.disclaimer For existing Breakfree Package customers, if you renegotiate or take out an additional ANZ home loan account on and from 19 March to 10 September 2022 and link it to your existing Breakfree Package, you will receive an interest rate discount under the Breakfree Package. No further interest rate discounts will apply. |
Interest rate with discount when borrowing 80% or less of the property valuedisclaimer |
2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of property valuedisclaimer |
Interest rate with Special Offer Discountdisclaimer when borrowing 70% or less of the property valuedisclaimer |
disclaimer, disclaimer, disclaimer Interest rate under the ANZ Breakfree packagedisclaimer borrowing 80% or less of the property valuedisclaimer with total mortgage lending amount $150,000 plus Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. The ANZ Breakfree Package is not longer available for sale. Discounts vary based on lending amounts Loan to Value Ratio requirements and other eligibility criteria. Terms and conditions, minimum lending requirements and eligibility criteria applydisclaimer.
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2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer
Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. The ANZ Breakfree Package is no longer availabe for sale. Discounts vary based on lending amounts Loan to Value Ratio requirements and other eligibility criteria. Terms and conditions, minimum lending requirements and eligibility criteria apply.disclaimer For existing Breakfree Package customers, if you renegotiate or take out an additional ANZ home loan account on and from 19 March to 10 September 2022 and link it to your existing Breakfree Package, you will receive an interest rate discount under the Breakfree Package. No further interest rate discounts will apply. |
Interest only - comparison rate |
Interest rate with discount when borrowing 80% or less of the property valuedisclaimer |
2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer |
N/A |
Interest rate under the ANZ Breakfree packagedisclaimer borrowing 80% or less of the property valuedisclaimer with total mortgage lending amount $150,000 plus |
2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer
|
Interest rate with discount when borrowing 80% or less of the property valuedisclaimer |
2 year Fixed Rate Loan with discounted rate borrowing 80% or less of property valuedisclaimer |
Comparison rate with Special Offer Discountdisclaimer when borrowing 70% or less of the property valuedisclaimer |
Interest rate under the ANZ Breakfree packagedisclaimer borrowing 80% or less of the property valuedisclaimer with total mortgage lending amount $150,000 plus |
2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer
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Loan term |
Maximum 30 years |
1 - 5, 7 and 10 year fixed rate terms available. Maximum overall term is 30 years. |
Maximum 30 years |
Maximum 30 years |
1 - 5, 7 and 10 year fixed rate terms available. Maximum overall term is 30 years. |
Maximum 30 years |
1 - 5, 7 and 10 year fixed rate terms available. Maximum overall term is 30 years. |
Maximum 30 years |
Maximum 30 years |
1 - 5, 7 and 10 year fixed rate terms available. Maximum overall term is 30 years. |
Minimum new loan amount |
$20,000 |
$20,000 |
$50,000 |
- |
- |
$20,000 |
$20,000 |
$50,000 |
- |
- |
Maximum loan as percentage of property value |
LVR up to 95% for principal and interest repayments and up to 80% for customers on interest only repayments, subject to ANZ credit approval criteria.disclaimer |
LVR up to 95% for principal and interest repayments and up to 80% for customers on interest only repayments, subject to ANZ credit approval criteria.disclaimer |
LVR up to 95% for principal and interest repayments, subject to ANZ credit approval criteria.disclaimer Interest only repayments are not available on ANZ Simplicity PLUS owner occupied loans. |
Generally up to 90% for new customers and 95% for existing customers paying principal and interest. Up to 80% for customers on interest only paymentsdisclaimer |
Generally up to 90% for new customers and 95% for existing customers paying principal and interest. Up to 80% for customers on interest only payments.disclaimer |
LVR up to 95% for principal and interest and interest only repayments, subject to ANZ credit approval criteria.disclaimer |
LVR up to 95% for principal and interest and interest only repayments, subject to ANZ credit approval criteria.disclaimer |
LVR up to 95% for principal and interest and interest only repayments, subject to ANZ credit approval criteria.disclaimer |
Generally up to 90% for new and existing customers.disclaimer |
Generally up to 90% for new and existing customers.disclaimer |
Lenders Mortgage Insurance (LMI) |
Usually required if amount borrowed is more than 80% of the valuation of the security propertydisclaimer |
Usually required if amount borrowed is more than 80% of the valuation of the security propertydisclaimer |
Usually required if amount borrowed is more than 80% of the valuation of the security propertydisclaimer |
Required if amount borrowed is more than 80% of the valuation of the security property |
Required if amount borrowed is more than 80% of the valuation of the security property |
Usually required if amount borrowed is more than 80% of the valuation of the security propertydisclaimer |
Usually required if amount borrowed is more than 80% of the valuation of the security propertydisclaimer |
Usually required if amount borrowed is more than 80% of the valuation of the security propertydisclaimer |
Required if amount borrowed is more than 80% of the valuation of the security property |
Required if amount borrowed is more than 80% of the valuation of the security property |
Annual Breakfree package fee |
Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. From 19 March 2022, the ANZ Breakfree Package will no longer be available for sale. |
Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. From 19 March 2022, the ANZ Breakfree Package will no longer be available for sale. |
Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. From 19 March 2022, the ANZ Breakfree Package will no longer be available for sale. |
Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. From 19 March 2022, the ANZ Breakfree Package will no longer be available for sale. |
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Loan Approval Fee |
$0 |
$0 |
$0 |
Waived (usually $600)disclaimer |
Waived (usually $600)disclaimer |
$0 |
$0 |
$0 |
Waived (usually $600)disclaimer |
Waived (usually $600)disclaimer |
Loan Administration Charge |
$0 |
$0 |
$0 |
- |
- |
$0 |
$0 |
$0 |
- |
- |
Lock Rate fee per loan |
N/A |
$750 per $1m in lending (per $1 million of lending, or part thereof)disclaimer |
N/A |
N/A |
$750 (per $1 million of lending)disclaimer |
N/A |
$750 per $1m in lending (per $1 million of lending, or part thereof)disclaimer |
N/A |
N/A |
$750 (per $1 million of lending)disclaimer |
Redraw fee |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
Early Repayment Cost |
N/A - Pay your loan off in full at any time |
Yesdisclaimer - May incur an Early Repayment Cost |
N/A- Pay your loan off in full at any time |
N/A - Pay your loan off in full at any time |
N/A |
N/A |
N/A - Pay your loan off in full at any time |
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Renegotiation fee |
$0 |
$0 An Early Repayment Cost may apply where you renegotiate your loandisclaimer |
$0 |
Waived ($200 or $350 depending on change requested)disclaimer |
Waived ($200 or $350 depending on change requested)disclaimer |
$0 |
$0 An Early Repayment Cost may apply where you renegotiate your loandisclaimer |
$0 |
Waived ($200 or $350 depending on change requested)disclaimer |
Waived ($200 or $350 depending on change requested)disclaimer |
General fees and charges |
Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges |
Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges |
Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges |
Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges |
Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal banking account fees and charages (PDF 180kb) and your letter of offer for applicable fees and charges |
Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges |
Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges |
Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges |
Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges |
Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges |
Additional features |
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Repayment frequency |
Weekly, fortnightly or monthly. |
Weekly, fortnightly or monthly. |
Weekly, fortnightly or monthly. |
Weekly, fortnightly or monthly. |
Weekly, fortnightly or monthly. |
Weekly, fortnightly or monthly. |
Weekly, fortnightly or monthly. |
Weekly, fortnightly or monthly. |
Weekly, fortnightly or monthly. |
Weekly, fortnightly or monthly. |
Ability to make additional repayments |
Yes |
Yesdisclaimer - May incur an Early Repayment Cost |
Yes |
Yes |
An Early Repayment Cost may applydisclaimer |
Yes |
Yesdisclaimer - May incur an Early Repayment Cost |
Yes |
Yes |
An Early Repayment Cost may applydisclaimer |
100% offset account |
Yes A fee of $10 per month applies |
Available on an ANZ one-year Fixed Home Loan. A fee of $10 per month applies. |
Not available |
Yes |
Available on an ANZ one-year Fixed Home Loan |
Yes A fee of $10 per month applies |
Available on an ANZ one-year Fixed Residential Investment Loan. A fee of $10 per month applies. |
Not available |
Yes |
Available on an ANZ one-year Fixed Residential Investment Loan |
Interest only payment |
Yesdisclaimer - Up to 5 years |
Yesdisclaimer - Up to 5 years |
N/A |
Yes - Up to 5 years |
Yes - Up to 5 years |
Yesdisclaimer - Up to 10 years |
Yesdisclaimer - Up to 10 years |
Yesdisclaimer - up to 10 years |
Yes - Up to 10 years |
Yes - Up to 10 years |
Redraw facility |
Yesdisclaimer |
Not available during fixed rate perioddisclaimer |
Yesdisclaimer |
Yesdisclaimer |
Not available during fixed rate perioddisclaimer |
Yesdisclaimer |
Not available during fixed rate perioddisclaimer |
Yesdisclaimer |
Yesdisclaimer |
Not available during fixed rate perioddisclaimer |
Ability to split loan (fees and charges may apply) |
Yes - Find out more |
Yesdisclaimer - May incur an Early Repayment Cost |
Yes - Find out more |
Yes - Find out more |
Yesdisclaimer - May incur an Early Repayment Cost |
Yes - Find out more |
Yesdisclaimer - May incur an Early Repayment Cost |
Yes - Find out more |
Yes - Find out more |
Yesdisclaimer - May incur an Early Repayment Cost |
Ability to repay your loan early |
Yes |
Yesdisclaimer - May incur an Early Repayment Cost |
Yes |
Yes |
An Early Repayment Cost may applydisclaimer |
Yes |
Yesdisclaimer - May incur an Early Repayment Cost |
Yes |
Yes |
An Early Repayment Cost may applydisclaimer |
Draw down loan progressively on construction loans |
Yes - up to 24 months |
Not available |
Yes - up to 24 months |
Yesdisclaimer- up to 24 months |
Not available |
Yes - up to 24 months |
Not available |
Yes - up to 24 months |
Yesdisclaimer- up to 24 months |
Not available |
Monthly Account Service Fee waiver available |
You can apply for us to waive the monthly account service fee (usually $5) on your ANZ Access Advantage account if you have your salary paid into your ANZ account.disclaimer |
You can apply for us to waive the monthly account service fee (usually $5) on your ANZ Access Advantage account if you have your salary paid into your ANZ account.disclaimer |
N/A |
Choose from ANZ Access Advantage (usually $5) or ANZ One offset account (usually $10).disclaimer |
Choose from ANZ Access Advantage (usually $5) or ANZ One offset account (usually $10).disclaimer |
You can apply for us to waive the monthly account service fee (usually $5) on your ANZ Access Advantage account if you have your salary paid into your ANZ account.disclaimer |
You can apply for us to waive the monthly account service fee (usually $5) on your ANZ Access Advantage account if you have your salary paid into your ANZ account.disclaimer |
N/A |
Choose from ANZ Access Advantage (usually $5) or ANZ One offset account (usually $10).disclaimer |
Choose from ANZ Access Advantage (usually $5) or ANZ One offset account (usually $10).disclaimer |
The information on this page does not apply to ANZ Plus products
You can apply for both an eligible ANZ Home loan and ANZ Credit Card togetherdisclaimer through one streamlined application process and no additional credit check.disclaimer And remember, there are no ANZ set up or ongoing fees on ANZ home loans.disclaimer
Provide us with your details and one of our home loan specialists will get in touch. They can discuss issues including:
As well as any other home loan queries you may have.
Call back time is 1-3 business days.
Begin your home loan application journey by providing details about:
One of our home loan specialists will then be in touch to progress with your application.
Call back time is 1-3 business days.
Meet with a mobile lenderdisclaimer
You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.
The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF) before acquiring any product.
Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply. Australian credit licence number 234527.
Interest rates shown on this page are current as at and are subject to change.
The interest rate shown includes an interest rate discount from the index rate. For ANZ Standard Variable, this discount is for loans with a Loan to Value Ratio (LVR) of greater than 80% and for loans with a LVR 80% or less. For ANZ Fixed, this discount is for loans with a LVR greater than 80% and for loans with a LVR 80% or less.
ReturnProperty value is ANZ's valuation of the security property and may be different to the price you pay for a property.
ReturnComparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including any applicable interest rate discounts. These rates are for secured loans only.
WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
For interest only variable loans, the comparison rates are based on an initial 5 year interest only term. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.
ReturnRates shown apply during the interest only period of your loan. Choose from 1-5 year interest only terms for owner occupied on an ANZ Standard Variable (Land Loan up to three years) and ANZ Fixed (Land Loan up to three years) and choose from 1-5, 7 and 10 year interest only terms for residential investments on an ANZ Standard Variable (Land Loan up to one year), ANZ Fixed (Land Loan up to one year) and ANZ Simplicity PLUS. If you choose to make interest only payments on ANZ Fixed, your fixed period and interest only period will be the same. After the interest only period, your rate will switch to the applicable variable rate for a principal and interest loan. At the end of the interest only period, minimum repayment amounts may increase to cover principal and interest. Interest only loans are not for everyone and you should consider if this is the right strategy for you.
ReturnSubject to credit approval criteria. Different maximum loan amounts may apply to specific property types and locations. Eligible existing ANZ customers must have had a retail lending product for greater than 6 months with a satisfactory credit history.
ReturnLenders Mortgage Insurance (LMI) is paid by the borrower and protects ANZ in the event that the borrower defaults and a shortfall arises following the sale of the security property. ANZ usually requires LMI where the Loan to Value Ratio (LVR) is above 80% (depending on the type of property). For some property types, LMI might be required when LVR is less than 80%.
ReturnTerms and Conditions and eligibility criteria apply to ANZ Redraw. ANZ Redraw is not available on loans in a company name. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF).
ReturnEligibility criteria apply. On application for the waiver by the customer, the monthly account service fee will be waived on one nominated ANZ Access Advantage account. For more information on Exemptions and Concessions please refer to ANZ Personal Banking Account Fees and Charges (PDF 544kB).
ReturnFixed Rate Home Loans aren’t for everyone and the rate may change at any time prior to the loan being settled. You can ask ANZ about options for locking in a fixed rate before settlement on eligible loans. A fee of $750 per $1m in lending (or part thereof) applies. Terms and Conditions available on application.
ReturnRates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan.
ReturnFor ANZ Fixed Rate loans, you can make early or additional repayments up to a set available tolerance amount (the lesser of 5% of the loan amount at the start of the current fixed rate period or $5,000) each year of the fixed rate period, without triggering an Early Repayment Cost. An Early Repayment Cost may be incurred if, during the fixed rate period, the available tolerance amount is exceeded, the loan is fully repaid or refinanced, or ANZ agrees to change the interest rate at your request. Please be aware that Early Repayment Costs can be very large. Terms and Conditions apply please refer to the ANZ Consumer Lending Terms and Conditions (PDF) and ANZ Fixed Rate Loans - What happens if you repay some or all of it early? (PDF). Alternatively please visit any ANZ branch or phone the Home Loan Hotline on 1800 100 641, 8:00am to 8:00pm (AEST), Monday to Friday.
ReturnThe rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.
ReturnThe interest rate shown incorporates ANZ Breakfree discounts which apply while you hold an ANZ Breakfree Package and your loan remains linked to your ANZ Breakfree Package. Eligibility for interest rate discounts are based on total mortgage lending requirements and Lending Loan to Value Ratio requirements. For details, see ANZ Breakfree Package and the ANZ Breakfree Terms and Conditions (PDF,131KB). Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued in on or about 10 September 2022 and Breakfree benefits will cease to apply. From 19 March 2022, the ANZ Breakfree Package will no longer be available for sale. Fee will also be waived if you paid it between 9 September 2021 and 12 February 2022, see ANZ Breakfree Package for more detail.
ReturnProperty value is ANZ's valuation of the security property and may be different to the price you pay for a property.
ReturnInterest rate discounts apply to eligible loan accounts linked to the ANZ Breakfree Package which meet minimum lending requirements (total mortgage lending must be at least $150,000) and apply while you hold a package and your loan remains linked to your ANZ Breakfree Package. Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. On and from 19 March 2022, the ANZ Breakfree Package will no longer be available for sale.
ReturnChoose from 1-5 year interest only terms. At the end of the interest only term, the rate will switch to the relevant variable interest rate.
ReturnEligibility criteria and terms and conditions apply, including a minimum total mortgage lending requirement of $150,000. ANZ Breakfree package benefits only apply while you hold an ANZ Breakfree Package and your loan remains linked to your ANZ Breakfree package. See ANZ Breakfree Terms and Conditions for details.
ReturnA Progress Payment Fee of $250 will be payable when you first request a Progress Payment to be drawn down under the loan. See ANZ Personal Banking General Fees and Charges (PDF 116kB).
ReturnThe rate shown is the Simplicity PLUS Residential Investment Property Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.
ReturnChoose from 1-5, 7 and 10 year interest only terms. At the end of the interest only term, the rate will switch to the relevant variable interest rate.
ReturnANZ Business Credit Cards are not eligible. Applications for credit are subject to ANZ’s credit approval criteria. T&Cs, exclusions, fees and charges apply. T&Cs, exclusions, and fees and charges apply.
ReturnANZ will not undertake an additional credit report check only because you have applied for an eligible ANZ Home Loan and ANZ Credit Card together. Depending on the circumstances of your application, ANZ may need to undertake further credit report checks to collect information about your credit history from a credit reporting body to assist us in assessing your application.
ReturnOther home loan fees including Late Payment Fee, Lock Rate Fee, Early Repayment Cost (Fixed Rate Loans) and ANZ Equity Manager facility fee still apply. Loan security fees including Lodgement Fee, Production Fee, Settlement Fee and Search Fee still apply however will not be charged on establishment of a loan. Government fees and charges (including government search fees and stamp duty) may still apply. ANZ Credit Card fees and charges apply.
ReturnANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.
Return