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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 make the leap and apply online.

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We'll help you get back on top of your home loan

Learn more about how we're supporting home owners impacted by COVID-19.

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Free ANZ Property Profile Report

Make your next move with 16 pages of insights on property prices, suburbs and sales history.disclaimer

Download for free


Our low home loan rates

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

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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

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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



Take the next step

Start a conversation

We're ready to chat, even if you're not ready to buy. Just let us know how and when suits you best.


Make an appointment

We can come to you

Our mobile lenders can talk to you about different options at a time and place that works for you.


Locate a mobile lender

Get started online in five minutes

Whether you’re buying a new home or looking to refinance, get your home loan pre-approval or application started in five minutes.


Get started online


Home buying for the stage you're at

View more guides


Buying your first home

Discover what to expect from start to settlement, with helpful articles, tools and calculators.

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 understand your loan and manage your repayments.

Learn more

Refinancing your home loan

Are you moving house, renovating or just thinking of different home loan options? 

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

And don't forget insurance


Is your home protected with the right insurance?

The type of insurance that’s right for you depends on your circumstances – including your life stage, whether you’re single or partnered, and whether you have dependents. Make sure you choose the right one.



Home and contents insurance FAQs

Learn how premiums are calculated, what of your home and contents can be covered while you’re travelling, how to reduce your premium, and more.



Landlord insurance FAQs

Find out how much landlord insurance costs, what can be covered, what might not be, how you could reduce your premium, and more.


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

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

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, 104kB) before acquiring any product. 

Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply.

ANZ Buy Ready™ is a trade mark of ANZ.

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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