skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

Compare ANZ home loans

ANZ Home Loans

Product information

The flexibility you need

The certainty of fixed repayments

Keep it simple with no ongoing fees

The flexibility you need

The certainty of fixed repayments

The flexibility you need

The certainty of fixed repayments

Keep it simple with no ongoing fees

The flexibility you need

The certainty of fixed repayments

Overview

Description

ANZ Standard Variable is full of features, so you can react to changes in your life or circumstances. It could be especially useful if you're trying to pay off your loan early or need to access the extra repayments you've made.

An ANZ Fixed loan can give you the certainty of a fixed interest ratedisclaimer, and the peace of mind of knowing your repayments won't change during the fixed period.

If you want a competitive variable rate loan, and only need basic features, consider ANZ Simplicity PLUS. It's a simple loan with no monthly fee that still gives you the flexibility to make extra repayments to pay it off sooner.

ANZ Standard Variable is full of features, so you can react to changes in your life or circumstances. It could be especially useful if you're trying to pay off your loan early or need to access the extra repayments you've made.

An ANZ Fixed loan can give you the certainty of a fixed interest ratedisclaimer, and the peace of mind of knowing your repayments won't change during the fixed period.

ANZ Standard Variable is full of features, so you can react to changes in your life or circumstances. It could be especially useful if you're trying to pay off your loan early or need to access the extra repayments you've made.

An ANZ Fixed loan can give you the certainty of a fixed interest ratedisclaimer, and the peace of mind of knowing your repayments won't change during the fixed period.

If you want a competitive variable rate loan, and only need basic features, consider ANZ Simplicity PLUS. It's a simple loan with no monthly fee that still gives you the flexibility to make extra repayments to pay it off sooner.

ANZ Standard Variable is full of features, so you can react to changes in your life or circumstances. It could be especially useful if you're trying to pay off your loan early or need to access the extra repayments you've made.

An ANZ Fixed loan can give you the certainty of a fixed interest ratedisclaimer, and the peace of mind of knowing your repayments won't change during the fixed period.

Principal and interest - current interest rate

disclaimer

2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer

 

See rates for other loan terms

Interest rate with Special Offer Discount (borrowing ≤ 80% of the property valuedisclaimer)

disclaimer

Interest rate with Special Offer Discount (borrowing > 80% of the property valuedisclaimer )

disclaimer

Discount available on ANZ Simplicity PLUS Home Loans with at least $50,000 in new and additional ANZ lending. ANZ Simplicity PLUS is not available with an ANZ Breakfree package.

disclaimer

Interest rate under the ANZ Breakfree packagedisclaimer borrowing 80% or less of the property valuedisclaimer with total mortgage lending amount $150,000 plus

Annual package fee currently $395. Discounts vary based on lending amounts and other eligibility criteria. Terms and conditions and minimum lending requirements apply. See all the rates available for this home loan type.

See all rates

disclaimer

2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer

 

Annual package fee currently $395. Terms and conditions, minimum lending requirements and eligibility criteria apply.disclaimer   See all the rates available for this home loan type.  

See rates for other loan terms

disclaimer

2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of property valuedisclaimer

 

See rates for other loan terms

Interest rate with Special Offer Discount (borrowing ≤ 80% of the property valuedisclaimer)

 disclaimer

Interest rate with Special Offer Discount (borrowing > 80% of the property valuedisclaimer )

 disclaimer

Discount available on ANZ Simplicity PLUS Home Loans with at least $50,000 in new and additional ANZ lending. ANZ Simplicity PLUS is not available with an ANZ Breakfree package.

disclaimer

Interest rate under the ANZ Breakfree packagedisclaimer borrowing 80% or less of the property valuedisclaimer with total mortgage lending amount $150,000 plus

Annual package fee currently $395. Discounts vary based on lending amounts and other eligibility criteria. Terms and conditions and minimum lending requirements apply. See all the rates available for this home loan type.

See all rates

disclaimer

2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer

 

Annual package fee currently $395. Terms and conditions, minimum lending requirements and eligibility criteria apply.disclaimer   See all the rates available for this home loan type.  

See rates for other loan terms

Principal and interest - comparison rate

disclaimer

disclaimer

2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer

 

See comparison rates for other loan terms

disclaimer

Comparison rate with Special Offer Discount (borrowing ≤ 80% of the property valuedisclaimer)

disclaimer

Comparison rate with Special Offer Discount (borrowing > 80% of the property valuedisclaimer)

disclaimer

Discount available on ANZ Simplicity PLUS Home Loans with at least $50,000 in new and additional ANZ lending. ANZ Simplicity PLUS is not available with an ANZ Breakfree package.

disclaimer

See all comparison rates

disclaimer

2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer

 

See comparison rates for other loan terms

disclaimer

disclaimer

2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of property valuedisclaimer

 

See comparison rates for other loan terms

disclaimer

Comparison rate with Special Offer Discount (borrowing ≤ 80% of the property valuedisclaimer)

Comparison rate with Special Offer Discount (borrowing > 80% of the property valuedisclaimer)

Discount available on ANZ Simplicity PLUS Home Loans with at least $50,000 in new and additional ANZ lending. ANZ Simplicity PLUS is not available with an ANZ Breakfree package.

disclaimer

See all comparison rates

disclaimer

2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer

 

See comparison rates for other loan terms

Interest only - current interest rate

disclaimerdisclaimer

disclaimer

2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer

 

See rates for other loan terms

N/A

disclaimer, disclaimer, disclaimer

Interest rate under the ANZ Breakfree packagedisclaimer borrowing 80% or less of the property valuedisclaimer with total mortgage lending amount $150,000 plus

Annual package fee currently $395. Discounts vary based on lending amounts and other eligibility criteria. Terms and conditions and minimum lending requirements apply. See all the rates available for this home loan type.

See all rates

disclaimer

2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer

 

Annual package fee currently $395. Terms and conditions, minimum lending requirements and eligibility criteria apply.disclaimer   See all the rates available for this home loan type.  

See rates for other loan terms

disclaimer, disclaimer

disclaimer

2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of property valuedisclaimer

 

See rates for other loan terms

Interest rate with Special Offer Discount

Discount available on ANZ Simplicity PLUS Residential Investment Loans with at least $50,000 in new and additional ANZ lending. ANZ Simplicity PLUS is not available with an ANZ Breakfree package.

disclaimer, disclaimer, disclaimer

Interest rate under the ANZ Breakfree packagedisclaimer borrowing 80% or less of the property valuedisclaimer with total mortgage lending amount $150,000 plus

Annual package fee currently $395. Discounts vary based on lending amounts and other eligibility criteria. Terms and conditions and minimum lending requirements apply. See all the rates available for this home loan type.

See all rates

 

disclaimer

2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer

 

Annual package fee currently $395. Terms and conditions, minimum lending requirements and eligibility criteria apply.disclaimer   See all the rates available for this home loan type.  

See rates for other loan terms

Interest only - comparison rate

disclaimer

disclaimer

2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer

 

See comparison rates for other loan terms

N/A

disclaimer

See all comparison rates

disclaimer

2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer

 

 

See comparison rates for other loan terms

disclaimer

disclaimer

2 year Fixed Rate Loan with discounted rate borrowing 80% or less of property valuedisclaimer

 

See comparison rates for other loan terms

disclaimer

Comparison rate with Special Offer Discount

disclaimer

Discount available on ANZ Simplicity PLUS Residential Investment Loans with at least $50,000 in new and additional ANZ lending. ANZ Simplicity PLUS is not available with an ANZ Breakfree package.

disclaimer

See all comparison rates

disclaimer

2 year Fixed Rate Loan with discounted rate when borrowing 80% or less of the property valuedisclaimer

 

See comparison rates for other loan terms

Loan term

Maximum 30 years

1 - 5, 7 and 10 year fixed rate terms available. Maximum overall term is 30 years.

Maximum 30 years

Maximum 30 years

1 - 5, 7 and 10 year fixed rate terms available. Maximum overall term is 30 years.

Maximum 30 years

1 - 5, 7 and 10 year fixed rate terms available. Maximum overall term is 30 years.

Maximum 30 years

Maximum 30 years

1 - 5, 7 and 10 year fixed rate terms available. Maximum overall term is 30 years.

Minimum loan amount/credit limit

$20,000

$20,000

$50,000

$20,000

$20,000

$20,000

$20,000

$50,000

$20,000

$20,000

Maximum loan as percentage of property value

Generally up to 90% for new customers and 95% for existing customers paying principal and interest.disclaimer Up to 80% for customers on interest only repayments.

Generally up to 90% for new customers and 95% for existing customers paying principal and interest.disclaimer Up to 80% for customers on interest only repayments.

Generally up to 90% for new customers and 95% for existing customers paying principal and interest.disclaimer Interest only repayments are not available on ANZ Simplicity PLUS loans.

Generally up to 90% for new customers and 95% for existing customers paying principal and interest. Up to 80% for customers on interest only repaymentsdisclaimer

Generally up to 90% for new customers and 95% for existing customers paying principal and interest. Up to 80% for customers on interest only repayments.disclaimer

Generally up to 90% for new and existing customers.disclaimer

Generally up to 90% for new and existing customers.disclaimer

Generally up to 90% for new and existing customers paying principal and interest. Up to 80% for customers on interest only repayments.disclaimer

Generally up to 90% for new and existing customers.disclaimer

Generally up to 90% for new and existing customers.disclaimer

Lenders Mortgage Insurance (LMI)

Required if amount borrowed is more than 80% of the valuation of the security property

Required if amount borrowed is more than 80% of the valuation of the security property

Required if amount borrowed is more than 80% of the valuation of the security property

Required if amount borrowed is more than 80% of the valuation of the security property

Required if amount borrowed is more than 80% of the valuation of the security property

Required if amount borrowed is more than 80% of the valuation of the security property

Required if amount borrowed is more than 80% of the valuation of the security property

Required if amount borrowed is more than 80% of the valuation of the security property

Required if amount borrowed is more than 80% of the valuation of the security property

Required if amount borrowed is more than 80% of the valuation of the security property

Annual Breakfree package fee

$395

$395

$395

$395

Loan Approval Fee

$600

$600

$600disclaimer

Waived (usually $600)

Waived (usually $600)

$600

$600

$600disclaimer

Waived (usually $600)

Waived (usually $600)

Loan Administration Charge/Credit Facility Fee

$5 per month

$10 per month

$0 per month

Waived (usually $5 per month)

Waived (usually $10 per month)

$5 per month

$10 per month

$0 per month

Waived (usually $5 per month)

Waived (usually $10 per month - applies during fixed interest rate period)

Lock Rate fee per loan

N/A

$750 (per $1 million of lending)disclaimer

N/A

N/A

$750 (per $1 million of lending)disclaimer

N/A

$750 (per $1 million of lending)disclaimer

N/A

N/A

$750 (per $1 million of lending)disclaimer

Redraw fee

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Early Repayment Cost

N/A - Pay your loan off in full at any time

Yesdisclaimer
Find out more

N/A

N/A - Pay your loan off in full at any time

Yesdisclaimer
Find out more

N/A - Pay your loan off in full at any time

Yesdisclaimer
Find out more

N/A

N/A - Pay your loan off in full at any time

Yesdisclaimer
Find out more

Renegotiation fee

$200 or $350 depending on change requested

$200 or $350 depending on change requested

An Early Repayment Cost may apply where you renegotiate your loandisclaimer

$200 or $350 depending on change requesteddisclaimer

Waived ($200 or $350 depending on change requested)

Waived ($200 or $350 depending on change requested)

$200 or $350 depending on change requested

$200 or $350 depending on change requested

An Early Repayment Cost may apply where you renegotiate your loandisclaimer

$200 or $350 depending on change requesteddisclaimer

Waived ($200 or $350 depending on change requested)

Waived ($200 or $350 depending on change requested)

General fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal banking account fees and charages (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Additional features

Repayment frequency

Weekly, fortnightly or monthly.

Weekly, fortnightly or monthly.

Weekly, fortnightly or monthly.

Weekly, fortnightly or monthly.

Weekly, fortnightly or monthly.

Weekly, fortnightly or monthly.

Weekly, fortnightly or monthly.

Weekly, fortnightly or monthly.

Weekly, fortnightly or monthly.

Weekly, fortnightly or monthly.

Ability to make additional repayments

Yes

An Early Repayment Cost may applydisclaimer

Yes

Yes

An Early Repayment Cost may applydisclaimer

Yes

An Early Repayment Cost may applydisclaimer

Yes

Yes

An Early Repayment Cost may applydisclaimer

100% offset account

Yes

Available on an ANZ one-year Fixed Home Loan

Not available

Yes

Available on an ANZ one-year Fixed Home Loan

Yes

Available on an ANZ one-year Fixed Residential Investment Loan

Not available

Yes

Available on an ANZ one-year Fixed Residential Investment Loan

Interest only payment

-

-

-

-

-

-

-

-

-

-

Redraw facility

Yesdisclaimer

Not available during fixed rate perioddisclaimer

Yesdisclaimer

Yesdisclaimer

Not available during fixed rate perioddisclaimer

Yesdisclaimer

Not available during fixed rate perioddisclaimer

Yesdisclaimer

Yesdisclaimer

Not available during fixed rate perioddisclaimer

Ability to split loan (fees and charges may apply)

Yes - Find out more

Yesdisclaimer - May incur an Early Repayment Cost

Yes - Find out more

Yes - Find out more

Yesdisclaimer - May incur an Early Repayment Cost

Yes - Find out more

Yesdisclaimer - May incur an Early Repayment Cost

Yes - Find out more

Yes - Find out more

Yesdisclaimer - May incur an Early Repayment Cost

Ability to repay your loan early

Yes

An Early Repayment Cost may applydisclaimer

Yes

Yes

An Early Repayment Cost may applydisclaimer

Yes

An Early Repayment Cost may applydisclaimer

Yes

Yes

An Early Repayment Cost may applydisclaimer

Draw down loan progressively on construction loans

Yesdisclaimer- up to 24 months

Not available

Yesdisclaimer- up to 24 months

Yesdisclaimer- up to 24 months

Not available

Yesdisclaimer- up to 24 months

Not available

Yesdisclaimer- up to 24 months

Yesdisclaimer- up to 24 months

Not available

Monthly Account Service Fee waiver available

You can apply for us to waive the monthly account service fee (usually $5) on your ANZ Access Advantage account if you have your salary paid into your ANZ account.disclaimer

You can apply for us to waive the monthly account service fee (usually $5) on your ANZ Access Advantage account if you have your salary paid into your ANZ account.disclaimer

N/A

Choose from ANZ Access Advantage (usually $5) or ANZ One offset account (usually $10).disclaimer

Choose from ANZ Access Advantage (usually $5) or ANZ One offset account (usually $10).disclaimer

You can apply for us to waive the monthly account service fee (usually $5) on your ANZ Access Advantage account if you have your salary paid into your ANZ account.disclaimer

You can apply for us to waive the monthly account service fee (usually $5) on your ANZ Access Advantage account if you have your salary paid into your ANZ account.disclaimer

N/A

Choose from ANZ Access Advantage (usually $5) or ANZ One offset account (usually $10).disclaimer

Choose from ANZ Access Advantage (usually $5) or ANZ One offset account (usually $10).disclaimer

Contact us 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.

   

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.

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.

The repayment calculator does not show all interest rates. Our home loan interest rates page shows all available rates, including special offers and discounts when borrowing 80% or less of the property value.

Return
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.

Return
Back to top

Choose from 1-5 year interest only terms. At the end of the interest only term, the rate will switch to the relevant variable interest rate.

Return
Back to top

Subject to credit approval criteria. Different maximum loan amounts may apply to specific property types and locations. Eligible existing ANZ customers must have had a retail lending product for greater than 6 months with a satisfactory credit history.

Return
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).

Return
Back to top

A Progress Payment Fee of $250 will be payable when you first request a Progress Payment to be drawn down under the loan. See ANZ Personal Banking General Fees and Charges (PDF 116kB).

Return
Back to top

Eligibility criteria apply. On application for the waiver by the customer, the monthly account service fee will be waived on one nominated ANZ Access Advantage account. For more information on Exemptions and Concessions please refer to ANZ Personal Banking Account Fees and Charges (PDF 544kB).

Return
Back to top

Fixed Rate Home Loans aren’t for everyone and the rate may change at any time prior to the loan being settled. You can ask ANZ about options for locking in a fixed rate before settlement on eligible loans. A fee of $750 per $1 million of lending applies. Terms and Conditions available on application.

Return
Back to top

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.

Return
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. ANZ Fixed Home Loan discounts when borrowing 80% or less of the property value are available for applications submitted from Monday 15 February 2021.

Return
Back to top

For ANZ Fixed Rate loans, you can make early or additional repayments up to a set available tolerance amount (the lesser of 5% of the loan amount at the start of the current fixed rate period or $5,000) each year of the fixed rate period, without triggering an Early Repayment Cost.  An Early Repayment Cost may be incurred if, during the fixed rate period, the available tolerance amount is exceeded, the loan is fully repaid or refinanced, or ANZ agrees to change the interest rate at your request. Please be aware that Early Repayment Costs can be very large. Terms and Conditions apply please refer to the ANZ Consumer Lending Terms and Conditions (PDF 296kB) and ANZ Fixed Rate Loans - What happens if you repay some or all of it early? (PDF 140kB). Alternatively please visit any ANZ branch or phone the Home Loan Hotline on 1800 035 500, 8:00am to 8:00pm (AEST), Monday to Friday.

Return
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.

Return
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. 

Return
Back to top

Offers can be withdrawn or changed at any time. Customers must request waiver or refund of Loan Approval Fee or any Renegotiation Fee, this will not be automatically applied. In some instances customer may receive refund instead of waiver of loan approval fee or any renegotiation fee.

Return
Back to top

The interest rate shown incorporates ANZ Breakfree discounts which apply while you hold an ANZ Breakfree Package and meet ongoing eligibility criteria. Eligibility for interest rate discounts are based on total mortgage lending requirements and Lending to Value Ratio requirements. For details, see ANZ Breakfree Package and the ANZ Breakfree Terms and Conditions (PDF,131KB). 

Return
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.

Return
Back to top

Choose from 1-5, 7 and 10 year interest only terms. At the end of the interest only term, the rate will switch to the relevant variable interest rate.

Return
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.

Return
Back to top

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.

Return