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Home loans

Get on top of the home buying process with our flexible home loans, mortgage calculators, and expert tools and tips. 

Talk to us when you're ready, or get your home loan application started online now in just 5 minutes.

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Make your move with ANZ Buy Ready

Start your home loan pre-approval application in just 5 minutesdisclaimeror find out what a property could sell for,disclaimerso you can buy with more confidence.

Get ANZ Buy Ready

 

Our low home loan rates

Start to feel a little more on top of things with low home loan rates.

Find out more

 

Looking for a better deal on your loan?

Find out more about ANZ refinancing options, or get started on your refinance application in just five minutes.

Make the switch

 

Choose a home loan that works for you

ANZ Standard Variable

The flexibility you need 

  • Make extra repayments to pay off your loan faster
  • Redraw your extra repaymentsdisclaimer
     

View loan details

ANZ Fixed

The certainty of fixed repayments

  • Your interest rate won't change during the fixed period
  • Choose from 1, 2, 3, 4, 5, 7 and 10 year fixed rate termsdisclaimer

View loan details

ANZ Simplicity Plus

Keep it simple, with no ongoing fees

  • Competitive variable interest rates and no monthly fee
  • Make extra repayments any time
     

View loan details

 

 

We're here to help you when buying a home

View more guides

 

Buying your first home

ANZ's home loan specialists are here to help from house hunting to settlement. Discover helpful home buying guides, home loan tools, mortgage calculators and more. 

Learn more

Investing in property

Investing in property can be challenging and exciting all at once. But with the right help and information, you'll find yourself on the right track.

Learn more

Buying your next home

Whether you're upsizing, downsizing or just looking for a change of scene, we can help. We can show you how you may be able to use any equity in your current home, for example.

Learn more

Managing your ANZ home loan

Make the most of your loan and discover how you can better understand your loan and manage your home loan repayments. 

Learn more

Refinancing your home loan

Our home loan specialists can help you figure out your options when it comes to switching home loans. 

Learn more

ANZ home loans for business owners

If you’re self-employed and looking to buy a home or switch your loan, we can help you get on top with home loans for business owners.

Learn more


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Working out how much to borrow when buying property

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Whether you’re in the market for your first home, next home, or an investment property, you’d probably like to know how much you could borrow. 

   

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How to refinance a home loan

5 minute read

Refinancing your home loan should help you find a loan that better meets your needs. Understand what’s involved with our step by step guide on how to refinance a home loan.

   

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Understand the home loan application process

6 minute read

This guide outlines the home loan application process to help you understand the steps to applying for a home loan with ANZ.

   

Connect with our home loan specialists or apply

Quick Start Home Loan Application

Get started in just 5 minutes. Apply for pre-approvaldisclaimer, a new home loan, refinance or top up your existing ANZ home loan.

Apply online now

   

Request a call back

Leave your details 

   

Connect with a mobile lender disclaimer

Find a mobile lender

  

Visit a branch or ANZ Home Centre

Find your nearest location

  

Call us

1800 100 641

Monday - Friday
8am to 8pm (AEST)

   

You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.

   

Interest rates shown on this page are current as at  and are subject to change. 

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 conditionsProduct 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.

ANZ Buy Ready™ is a trade mark of ANZ.

ANZ may provide pre-approval (also known as approval in principle or conditional approval) to eligible customers who apply for an ANZ home loan and complete an application form and satisfy any other applicable requirements. Pre-approval is an approval for a loan subject to conditions being met, including that security is satisfactory to ANZ. Australian Credit Licence Number 234527.

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Property price information in an ANZ property profile report, such as a price prediction or price range, is an estimate, not a valuation. Property price information may not be available for all properties, is for personal domestic use only and may change daily. Actual sale prices may be different.

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Terms 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 412kB).

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Rates 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.

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ANZ 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.

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