All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. 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.
Over the past 16 years, ANZ has been awarded ‘Home Lender of the Year’ by Australian Lending Awards (2015 and 2016), ‘Home Lender of the Year’ by Money magazine (2005 - 2008, 2010, 2012 and 2014), and Personal Investor magazine (1999 - 2002, 2004 and 2005). ANZ has also won 'Best Investor' for four consecutive years (2011 - 2014) at the Australian Lending Awards, as well as the CANSTAR Bank of the Year - First Home Buyers award (2015).
Back to top
Checklist current as at 31/01/2017. This checklist may not cover all individual scenarios, and there may be circumstances where ANZ may require other documents from you.Back to top
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.Back to top
Terms and conditions apply including a maximum loan term of 10 years. Minimum loan amounts vary depending on loan type. Fees and charges apply.Back to top
Interest rates shown on this page are current as at and are subject to change.Back to top
The range of interest rates shown incorporate ANZ Breakfree discounts and ANZ Breakfree Special Offer discounts which apply while you hold an ANZ Breakfree package and meet ongoing eligibility criteria. The applicable discount varies based on loan amount, total mortgage lending and other eligibility criteria. Eligibility for interest rate discounts of between 0.75% p.a. and 0.90% p.a. are subject to ANZ Breakfree Package Special Offer Terms and Conditions (PDF 40kB), which include total mortgage lending requirements, lending to value ratio requirements, and new lending requirements for existing customers. Eligibility for discounts between and are based on total mortgage lending requirements and the ANZ Breakfree Terms and Conditions. For details, see ANZ Breakfree package.Back to top
Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including a Breakfree package discount (if applicable). 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.Back to top
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).Back to top
Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.Back to top
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.Back to top
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.Back to top
Rates shown apply during the interest only period of your loan. After the interest only period, your rate will switch to the applicable variable rate for a principal and interest loan.Back to top
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 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 top
Interest rate discounts apply to eligible loan accounts linked to the Breakfree package which meet minimum lending requirements (total mortgage lending must be at least $150,000) and apply while you hold a package and meet ongoing eligibility criteria. Annual package fee $395 and subject to change.Back to top
The Annual Account Fee is waived on one eligible ANZ credit card account held under an ANZ Breakfree Package. The waiver only applies while the account is held under the package. A Rewards Program Services Fee of $55 per cardholder may apply to ANZ Rewards and ANZ Frequent Flyer accounts.Back to top
Account service fee waived on one eligible transaction account (ANZ Access Advantage account or ANZ One offset account).Back to top
ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance are issued by QBE Insurance (Australia) Limited (QBE) ABN 78 003 191 035 (AFSL 239545). This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. You should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs. ANZ recommends that you read ANZ Financial Services Guide (PDF, 107kB) and the relevant ANZ Home insurance Product Disclosure Statement and Policy (PDF 2.1MB), ANZ Landlord Insurance Product Disclosure Statement and Policy (PDF 760kB), ANZ Car Insurance Product Disclosure Statement and Policy (PDF 814kB), available by calling 13 16 14 or visiting anz.com before deciding whether to acquire, or to continue to hold, any of these products. To be entitled to a discount on your insurance you must notify the issuers of these products at the time of application that you are an ANZ Breakfree package customer. Please note for ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance the discount is only applicable to the first year’s premium. Reference to insurance premium amounts for the purposes of calculating the applicable Breakfree package benefits exclude any stamp duty, GST and other government fees, charges or levies components that are included in the total premium amount paid by you. These discounts are not available in conjunction with any other discount offer made by issuers of these products or ANZ.Back to top
Terms and Conditions, fees and charges apply. Refer to ANZ Personal Account Fees and Charges booklet (PDF 139kB).Back to top