Interest Rates on ANZ Personal products current as at Friday, 30 July 2010.
Current
Business interest rates and
Corporate interest rates
are also available.
ANZ Standard Variable Rate (Home Loan Index) | | Interest Rate | Comparison Rate # |
|---|
| Variable Rate | | 7.41% p.a. | 7.52% p.a. |
|
ANZ Fixed Rate (Home Loan Rates) | Term | Interest Rate | Comparison Rate # |
|---|
| 1 year | 6.84% p.a. | 7.41% p.a. |
| 2 years | 7.23% p.a. | 7.44% p.a. |
| 3 years | 7.44% p.a. | 7.50% p.a. |
| 4 years | 7.74% p.a. | 7.62% p.a. |
| 5 years | 7.94% p.a. | 7.75% p.a. |
| 7 years | 8.34% p.a. | 8.07% p.a. |
| 10 years | 8.65% p.a. | 8.46% p.a. |
|
ANZ Simplicity PLUS | | Interest Rate | Comparison Rate # |
|---|
| Variable Rate | | 6.71% p.a. | 6.76% p.a. |
|
ANZ Easy Start** | | Interest Rate* | Comparison Rate # |
|---|
| Discount Variable Rate for one year | | 6.09% p.a. | 7.06% p.a. |
|
| * Reverts to Standard Variable interest rate less an ongoing discount margin determined by amount of credit approved at the time of loan application. |
|
| **This product is no longer available for sale |
|
ANZ Land Loan | | Interest Rate | Comparison Rate # |
|---|
| Variable Rate | | 7.41% p.a. | 7.52% p.a. |
|
ANZ Money Saver* | | Interest Rate* | Comparison Rate # |
|---|
| Variable Rate | | 7.01% p.a. | 7.17% p.a. |
|
| * This product is no longer available for sale |
|
# Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.
WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.
View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch. |
|
ANZ Supplementary Loan | | Interest Rate | Comparison Rate ## |
|---|
| Variable Rate | | 7.41% p.a. | 8.78% p.a. |
|
ANZ Home Improvement Loan | | Interest Rate | Comparison Rate ## |
|---|
| Variable Rate | | 7.41% p.a. | 8.78% p.a. |
|
## Comparison Rate calculated on a loan amount $30,000 over a term of 5 years based on monthly repayments. These rates are applicable for secured loans only.
WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.
View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch. |
|
ANZ Standard Variable Rate (RIPL Index) | | Interest Rate | Comparison Rate # |
|---|
| Variable Rate | | 7.41% p.a. | 7.52% p.a. |
|
ANZ Fixed Rate (RIPL Index) | Term | Interest Rate | Comparison Rate # |
|---|
| 1 year | 6.84% p.a. | 7.41% p.a. |
| 2 years | 7.23% p.a. | 7.44% p.a. |
| 3 years | 7.44% p.a. | 7.50% p.a. |
| 4 years | 7.74% p.a. | 7.62% p.a. |
| 5 years | 7.94% p.a. | 7.75% p.a. |
| 7 years | 8.34% p.a. | 8.07% p.a. |
| 10 years | 8.65% p.a. | 8.46% p.a. |
|
ANZ Simplicity PLUS | | Interest Rate | Comparison Rate # |
|---|
| Variable Rate | | 6.71% p.a. | 6.76% p.a. |
|
ANZ Easy Start** | | Interest Rate | Comparison Rate # |
|---|
| Discount Variable Rate for 1 year | | 6.09% p.a. | 7.06% p.a. |
|
| * Reverts to Standard Variable interest rate less an ongoing discount margin determined by amount of credit approved at the time of loan application. |
|
| **This product is no longer available for sale |
|
ANZ Land Loan | | Interest Rate | Comparison Rate # |
|---|
| Variable Rate | | 7.41% p.a. | 7.52% p.a. |
|
ANZ Money Saver* | | Interest Rate* | Comparison Rate # |
|---|
| Variable Rate | | 7.01% p.a. | 7.17% p.a. |
|
| * This product is no longer available for sale |
|
# Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.
WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.
View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch. |
|
ANZ Supplementary Loan | | Interest Rate | Comparison Rate ## |
|---|
| Variable Rate | | 7.41% p.a. | 8.78% p.a. |
|
## Comparison Rate calculated on a loan amount $30,000 over a term of 5 years based on monthly repayments. These rates are applicable for secured loans only.
WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.
View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch. |
|
ANZ Interest in Advance Loan - Yearly* | Term | Interest Rate | |
|---|
| 1 year | 6.49% p.a. | |
| 2 years | 6.88% p.a. | |
| 3 years | 7.09% p.a. | |
| 4 years | 7.39% p.a. | |
| 5 years | 7.59% p.a. | |
| 7 years | 7.99% p.a. | |
| 10 years | 8.30% p.a. | |
|
| * The Rates shown apply for interest paid yearly in advance. The Rates applicable for interest paid monthly, quarterly or semi - annually in advance are available on application at any ANZ Branch. |
|
ANZ Equity Manager | | Interest Rate | |
|---|
| Variable Rate | | 7.56% p.a. | |
|
ANZ Home Equity Loan* | | Interest Rate | |
|---|
| Variable Rate | | 7.91% p.a. | |
|
| *This product is no longer available for sale |
|
ANZ Equity Release* | | Interest Rate | Comparison Rate+ |
|---|
| Variable Rate | | 10.15% p.a. | 10.20% p.a. |
| 4 Year Fixed Rate | | 10.25% p.a. | 10.21% p.a. |
|
+ Comparison rate is for a loan of $150,000 over 25 years.
Please note: 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.
*This product is no longer available for sale. |
|
ANZ Reference Rates| Personal Lending Index Rate | | 12.45% p.a. | |
| Balance Transfer Lending Index Rate | | 15.98% p.a. | |
| Telstra 2 Share Index | | 9.95% p.a. | |
|
ANZ Variable Rate | | Interest Rate from | Comparison Rate + from |
|---|
| Variable Rate | | 14.90% p.a. | 18.01% p.a. |
|
ANZ Fixed Rate | | Interest Rate from | Comparison Rate + from |
|---|
| Fixed Rate | | 14.95% p.a. | 18.06% p.a. |
|
| + These comparison rates are based on a $10,000 Personal Loan for a 3 year term. This rate is applicable for unsecured loans only. |
|
ANZ Assured & Personal Overdrafts | | Interest Rate | |
|---|
| ANZ Retail Index | | 10.72% p.a. | |
| Personal Overdraft | | 14.72% p.a. | (Retail Index + 4%) |
| ANZ Assured | | 18.87% p.a. | (Retail Index + 8.15%) |
|
ANZ Graduate Loan | | Interest Rate | Comparison Rate + |
|---|
| Variable Rate | | 14.90% p.a. | 15.93% p.a. |
|
+ Comparison Rate is calculated on a $25,000 Graduate Loan for a 5 year term. This rate is applicable for unsecured loans only.
WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.
View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch. |
|
ANZ Car Loans |
| The interest rate is fixed for the life of the loan, giving you the ability to budget more accurately. The rate will vary depending upon the amount borrowed and the term of the loan. In order to determine the exact rate, you will need to contact us and let us know information such as how much you are looking to borrow, over what term you wish to borrow the money and whether the vehicle is new or used. You can do this by calling 1300 650 516 during business hours. |
|
ANZ Access Advantage| Amount | | Rate | |
|---|
| $1 - $49,999 | | 0.00% p.a. | |
| $50,000 - $99,999 | | 0.01% p.a. | |
| $100,000 plus | | 0.02% p.a. | |
|
ANZ Extras Package Amount |
| Interest is not paid on the ANZ Extras package account |
|
ANZ Passbook Saving Account| Amount | | Rate | |
|---|
| $1 - $49,999 | | 0.00% p.a. | |
| $50,000 - $99,999 | | 0.01% p.a. | |
| $100,000 plus | | 0.02% p.a. | |
|
ANZ Progress Saver| Amount | Base Rate | Bonus Rate | Total (Regular + Bonus) |
|---|
| $1 - $499 | 0.01% p.a. | 4.75% p.a. | 4.76% p.a. |
| $500 - $2,999 | 0.01% p.a. | 4.75% p.a. | 4.76% p.a. |
| $3,000-$4,999 | 0.01% p.a. | 4.75% p.a. | 4.76% p.a. |
| $5,000-$9,999 | 0.01% p.a. | 4.75% p.a. | 4.76% p.a. |
| $10,000-$19,999 | 0.01% p.a. | 4.75% p.a. | 4.76% p.a. |
| $20,000-$49,999 | 0.01% p.a. | 4.75% p.a. | 4.76% p.a. |
| $50,000-$99,999 | 0.01% p.a. | 4.75% p.a. | 4.76% p.a. |
| $100,000 plus | 0.01% p.a. | 4.75% p.a. | 4.76% p.a. |
|
| |
|
ANZ Progress Saver Package bonus rates |
| Package bonus rate applies to ANZ Progress Saver accounts attached to the ANZ Breakfree, ANZ Everyday Banking*, ANZ Staff* and anz@work packages |
| Amount | Base Rate | Bonus Rate | Total (Regular + Bonus) |
|---|
| $1 - $499 | 0.01% p.a. | 5.10% p.a. | 5.11% p.a. |
| $500 - $2,999 | 0.01% p.a. | 5.10% p.a. | 5.11% p.a. |
| $3,000-$4,999 | 0.01% p.a. | 5.10% p.a. | 5.11% p.a. |
| $5,000-$9,999 | 0.01% p.a. | 5.10% p.a. | 5.11% p.a. |
| $10,000-$19,999 | 0.01% p.a. | 5.10% p.a. | 5.11% p.a. |
| $20,000-$49,999 | 0.01% p.a. | 5.10% p.a. | 5.11% p.a. |
| $50,000-$99,999 | 0.01% p.a. | 5.10% p.a. | 5.11% p.a. |
| $100,000 plus | 0.01% p.a. | 5.10% p.a. | 5.11% p.a. |
|
| *ANZ Everyday Banking package and ANZ Staff package are not available to new customers. |
|
ANZ First Home Saver Account| Base Rate | Bonus Rate | Total (Regular + Bonus) | |
|---|
| 5.00% p.a. | 0.00% p.a. | 5.00% p.a. | |
|
ANZ E*TRADE Cash Management Account| Amount | | Rate | |
|---|
| $1 - $4,999 | | 0.10% p.a. | |
| $5,000 - $19,999 | | 0.10% p.a. | |
| $20,000 - $49,999 | | 2.50% p.a. | |
| $50,000 - $99,999 | | 3.00% p.a. | |
| $100,000 - $249,999 | | 4.50% p.a. | |
| $250,000 - $499,999 | | 4.50% p.a. | |
| $500,000 plus | | 4.50% p.a. | |
|
ANZ Online Saver| Rate | | | |
|---|
| 4.50% p.a. | | | |
|
ANZ V2 PLUS| ANZ V2 PLUS retail | 3.50% p.a. | | |
| ANZ V2 PLUS wholesale | 4.50*% p.a. | | |
|
| *wholesale rate only applies to ANZ Intermediary clients |
|
ANZ Premium Cash Management Account| Amount | | Rate | |
|---|
| $10,000 - $24,999 | | 3.00% p.a. | |
| $25,000 - $49,999 | | 3.50% p.a. | |
| $50,000 - $99,999 | | 3.50% p.a. | |
| $100,000 - $249,999 | | 4.00% p.a. | |
| $250,000 - $499,999 | | 4.00% p.a. | |
| $500,000 plus | | 4.50% p.a. | |
|
ANZ Prime Cash Management Account* | | Rate | |
|---|
| ANZ Prime Cash Management Account | | 4.25% p.a. | |
|
| * Please note the ANZ Prime CMA can only be opened through your participating investment manager. |
|
ANZ Cash Management Account*| Amount | | Rate | |
|---|
| $1 - $1,999 | | 0.00% p.a. | |
| $2,000 - $19,999 | | 0.10% p.a. | |
| $20,000 - $49,999 | | 0.10% p.a. | |
| $50,000 - $99,999 | | 0.10% p.a. | |
| $100,000 - $249,999 | | 0.10% p.a. | |
| $250,000 plus | | 0.20% p.a. | |
|
| * This product is no longer available to new business |
|
ANZ Access Deeming Account*| Amount | | Rate | |
|---|
| $0 - $1,999 | | 1.25% p.a. | |
| $2,000 - $38,399 | | 3.00% p.a. | |
| $38,400 and above | | 4.50% p.a. | |
|
| * Interest rates are banded. |
|
ANZ Passbook Deeming Savings Account*| Amount | | Rate | |
|---|
| $0 - $1,999 | | 1.25% p.a. | |
| $2,000 - $38,399 | | 3.00% p.a. | |
| $38,400 and above | | 4.50% p.a. | |
|
| * Interest rates are banded. |
|
Credit Card Rates | | Rates | |
|---|
| ANZ Low Rate MasterCard | cash advances | 21.49% p.a. | |
| purchases | 13.24% p.a. | |
| ANZ Balance Visa | purchases | 14.24% p.a. | |
| cash advances | 21.49% p.a. | |
| ANZ First | purchases | 18.99% p.a. | |
| cash advances | 20.74% p.a. | |
| ANZ Gold | purchases | 18.99% p.a. | |
| cash advances | 20.74% p.a. | |
| ANZ Frequent Flyer | purchases | 19.49% p.a. | |
| cash advances | 20.74% p.a. | |
| ANZ Frequent Flyer Gold | purchases | 19.49% p.a. | |
| cash advances | 20.74% p.a. | |
| ANZ Frequent Flyer Platinum | purchases | 19.49% p.a. | |
| cash advances | 20.74% p.a. | |
| ANZ Rewards | purchases | 19.49% p.a. | |
| cash advances | 20.74% p.a. | |
| ANZ Rewards Gold | purchases | 19.49% p.a. | |
| cash advances | 20.74% p.a. | |
| ANZ Bankcard | purchases | 17.74% p.a. | |
| cash advances | 17.74% p.a. | |
| ANZ Low Interest MasterCard | purchases | 15.49% p.a. | |
| cash advances | 15.49% p.a. | |
| | | |
| ANZ First - Low Interest | purchases | 13.99% p.a. | |
| cash advances | 13.99% p.a. | |
| ANZ Free Days MasterCard | purchases | 18.99% p.a. | |
| cash advances | 20.74% p.a. | |
| ANZ Visa PAYCARD | purchases | 17.49% p.a. | |
| cash advances | 17.49% p.a. | |
| ANZ Rewards Visa PAYCARD | purchases | 18.35% p.a. | |
| cash advances | 18.35% p.a. | |
| ANZ Credit Card Index Rate | | 18.99% p.a. | |
|
| Terms and conditions available on application. Fees and charges apply. Interest rates current as at Friday, 30 July 2010. |
|
ANZ Margin Loan & ANZ E*TRADE Share Investment Loan Fixed Rate | Amount | Term# | Rate* |
|---|
| Fixed Rate | $20,000 - $249,999 | 6-12 months | 8.75% p.a. |
| $250,000-$499,999 | 6-12 months | 8.60% p.a. |
| $500,000+ | 6-12 months | 8.50% p.a. |
|
| *Interest rates are subject to change without notice. #Other fixed terms up to 5 years are available. If you opt to pay in arrears, interest will be charged at 0.25% p.a higher than if you prepay interest. Fixed loan interest rate effective from 10 May 2010. |
|
ANZ Margin Loan & ANZ E*TRADE Share Investment Loan Variable Rate | | Rate | |
|---|
| Variable Rate | | 9.49% p.a. | |
|
| Variable loan interest rate effective from 7 May 2010 |
|
Terms and Conditions available on application. Fees and
charges are payable. Loan interest rates apply to loans
advanced today. All rates are subject to change.
Didn't find what you were looking for? Check out our
Business interest rates or
Corporate interest rates.
