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.
Get a discounted rate with the ANZ Breakfree packagedisclaimer
Interest rate disclaimer
Comparison ratedisclaimer disclaimer
Rate fixed for 3 years on an owner occupied home loan with principal and interest repayments under the ANZ Breakfree package
Free ANZ Property Profile Report
Make your next move with 16 pages of insights on property prices, suburbs and sales history.
Make a plan with an ANZ First Home Coach
Get extra support without any extra cost or obligation from an expert throughout your home buying journey.
Looking for a better deal on your loan?
Find out if your current loan meets your needs with an expert home loan health check.
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
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
ANZ Simplicity Plus
Keep it simple, with no ongoing fees
- Competitive variable interest rates and no monthly fee
- Make extra repayments any time
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.
We can come to you
Our mobile lenders can talk to you about different options at a time and place that works for you.
Apply online now
Whether you’re buying a new home or looking to refinance, get one step ahead by applying online.
Buying your first home
Discover what to expect from start to settlement, with helpful articles, tools and calculators.
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.
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.
Managing your ANZ home loan
Make the most of your loan and discover how you can understand your loan and manage your repayments.
Refinancing your home loan
Are you moving house, renovating or just thinking of different home loan options? Think about refinancing with the nation's most awarded home lender.
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.
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.
Any advice 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.
* Annual package fee currently $395 and subject to change. Eligibility criteria and terms and conditions apply, including a minimum total mortgage lending requirement of $150,000. See ANZ Breakfree Terms and Conditions for details. ANZ Breakfree package benefits only apply while you maintain the package and meet ongoing eligibility criteria. Terms and conditions and fees and charges apply to products and services taken out in connection with an ANZ Breakfree package.
Back to topInterest rate current as at and subject to change. Rate incorporates a Breakfree discount of on the ANZ 3 year Fixed Home Loan Rate and applies to eligible owner occupied loans linked to the Breakfree package. ANZ Breakfree discounts and benefits apply only while the customer maintains the package and meets ongoing eligibility criteria.
Back to topThis Comparison Rate is for secured loans of $150,000 over 25 years based on monthly repayments.
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.
Back to topTerms 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).
Back to topRates 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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