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Simpler home loans

Get on top of the home buying process with our home loan calculators, tools and expert tips and guides.

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

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Get 300,000 Qantas Points when you apply or switch to an eligible ANZ home loan

Take off to Rome, Honolulu or more dreamy destinationsdisclaimerwith 300,000 Qantas Points when you apply or switch to a new eligible ANZ home loan of $300k or more and LVR 80% or less.disclaimer

The best bit? Come home to discounted home loan rates on eligible loans from ( comparison rate).disclaimer

See where 300,000 Qantas Points could take you

Featured variable rates

feature-rates

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Interest ratedisclaimer

Comparison ratedisclaimer

Interest rate with special offer discountdisclaimer when borrowing 70% or less of the property valuedisclaimeron owner occupied home loan with principal and interest repayments.

ANZ Simplicity PLUS home loan

Choose a home loan that works for you

With our simpler home loans you only pay for the extras you want and won't pay any ongoing feesdisclaimer on your home loan. Choose the fixed or variable home loan that suits you.

Flexibility with plenty of features

ANZ Standard Variable

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Principal and interest

Comparison ratedisclaimer

 
Discounted standard variable rate when borrowing 80% or less of the property value.disclaimer

 

  • Make extra repayments any time
  • Redrawdisclaimeravailable funds (if you make extra repayments)
  • Save on interest with an offset account ($10 a month)disclaimer

More on ANZ Standard Variable

  

The certainty of fixed repayments

ANZ Fixed Rate

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Principal and interest

Comparison ratedisclaimer

 
Discounted 2 year fixed rate when borrowing 80% or less of the property value.disclaimer

 

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

More on ANZ Fixed Rate

  

Keep it simple with basic features

ANZ Simplicity PLUS

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Principal and interest

Comparison ratedisclaimer

 
Interest rate with special offer discountdisclaimer when borrowing 80% or less of the property value.disclaimer

 

  • Competitive variable interest rates
  • Make extra repayments any time
  • Redrawdisclaimer available funds (if you make extra repayments)

More on ANZ Simplicity PLUS

  

    See all rates Apply online

Have an existing ANZ Breakfree Package and want to link your loan? See here

Get the latest updates, tips and support on home loan rate changes

We get it, as interest rates change it’s more important than ever that you feel financially confident and on top of your home loan.

See our latest rate change announcement following the RBA cash rate change on 7 June 2022.

We explain what it means for you, how you can check your interest rate and options for managing your home loan repayments. You can also get in touch with us if you have concerns or questions.

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

 

Check out our home loan rates

Explore our home loan interest rates and special home loan offers.

See our rates

 

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

 

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 or to 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.

Examples are a guide only and subject to change. Equivalent value based on a sample of the Qantas Frequent Flyer Rewards that could be obtained by redeeming through the Qantas Frequent Flyer program and will vary depending on how and when points are redeemed. Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available. The Qantas Points, taxes, fees and carrier charges stated are accurate as at 5 May 2022 but may vary at the time of booking. Status Credits and Qantas Points will not be earned on Classic Flight Rewards. Visit Classic Flight Rewards for more information.

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Eligibility criteria, terms and conditions, fees and charges apply. This offer is only available if you apply between 10 June 2022 and 19 August 2022 and if approved, settle by 31 January 2023. Only one 300,000 Qantas Points offer can be claimed by any one person. Only the first person to successfully claim on joint loans will be awarded Qantas Points. Qantas Points credited within 60 days after valid claim form redeemed with ANZ following loan settlement. See full Terms & Conditions (PDF 124kB).

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The rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount for loans with a Loan to Value Ratio of 70% or less. 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.

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The 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.

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Interest rates shown on this page are current as at  and are subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB)ANZ Personal Banking General Fees and Charges (PDF 155kB) and your letter of offer.

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Comparison 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.

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Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.

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Other 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.

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The interest rate shown includes an interest rate discount from the index rate and applies to home loan applications or renewals submitted on and from 19 March 2022. 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. This interest rate discount is not available for eligible loans linked to an existing Breakfree Package. Eligible loans linked to the Breakfree Package will receive an interest rate discount under the Breakfree Package. To view rates that apply to loans linked to the ANZ Breakfree Package and for more information, see here.

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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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Please refer to ANZ Personal Banking Account Fees and Charges (PDF 100kB) for fees and charges that apply.

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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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Comparison 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.

Fixed home loans aren’t for everyone and early repayment costs may apply if you repay your loan or switch to another one before the end of your fixed term or make early or additional repayments. Once the fixed rate period ends, the loan reverts to a variable rate loan and repayment amounts will change. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period. 

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The 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. 

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Rates 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.

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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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A property price range estimate is an estimate only. It is based on certain available information and is not a valuation of a property or guarantee of its market value or future sale price. Price ranges may change daily and the actual sale price (if the property is sold) may be different.

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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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