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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

Our most flexible home loan with plenty of features to suit your needs. You can offset your loan, pay it off early or access 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 that gives you the ability 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.

Our most flexible home loan with plenty of features to suit your needs. You can offset your loan, pay it off early or access 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 that gives you the ability 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

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Interest rate with discount when borrowing 80% or less of the property valuedisclaimer

See all rates

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

See all rates

 

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Interest rate with Special Offer Discountdisclaimer when borrowing 80% or less of the property valuedisclaimer

 

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Interest rate with Special Offer Discountdisclaimer when borrowing more than 80% of the property valuedisclaimer 

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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 of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. The ANZ Breakfree Package is not longer available for sale. Discounts vary based on lending amounts Loan to Value Ratio requirements and other eligibility criteria. Terms and conditions, minimum lending requirements and eligibility criteria applydisclaimer.

See all rates

disclaimer

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

 

Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. The ANZ Breakfree Package is no longer availabe for sale. Discounts vary based on lending amounts Loan to Value Ratio requirements and other eligibility criteria. Terms and conditions, minimum lending requirements and eligibility criteria apply.disclaimer  For existing Breakfree Package customers, if you renegotiate or take out an additional ANZ home loan account on and from 19 March to 10 September 2022 and link it to your existing Breakfree Package, you will receive an interest rate discount under the Breakfree Package. No further interest rate discounts will apply.

See rates for other loan terms

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Interest rate with discount when borrowing 80% or less of the property valuedisclaimer

See all rates

disclaimer disclaimer

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

See all rates

 

disclaimer

Interest rate with Special Offer Discountdisclaimer when borrowing 80% or less of the property valuedisclaimer

 

disclaimer

Interest rate with Special Offer Discountdisclaimer when borrowing more than 80% of the property valuedisclaimer

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 of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. The ANZ Breakfree Package is not longer available for sale. Discounts vary based on lending amounts Loan to Value Ratio requirements and other eligibility criteria. Terms and conditions, minimum lending requirements and eligibility criteria applydisclaimer.

See all rates

disclaimer

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

 

Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. The ANZ Breakfree Package is no longer availabe for sale. Discounts vary based on lending amounts Loan to Value Ratio requirements and other eligibility criteria. Terms and conditions, minimum lending requirements and eligibility criteria apply.disclaimer  For existing Breakfree Package customers, if you renegotiate or take out an additional ANZ home loan account on and from 19 March to 10 September 2022 and link it to your existing Breakfree Package, you will receive an interest rate discount under the Breakfree Package. No further interest rate discounts will apply.

See rates for other loan terms

Principal and interest - comparison rate

disclaimer

Interest rate with discount when borrowing 80% or less of the property valuedisclaimer

See all comparison rates

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

See all comparison rates

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Comparison rate with Special Offer Discountdisclaimer when borrowing 80% or less of the property valuedisclaimer

 

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Comparison rate with Special Offer Discountdisclaimer when borrowing more than 80% of the property valuedisclaimer

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

See all comparison rates

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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

Interest rate with discount when borrowing 80% or less of the property valuedisclaimer

See all comparison rates

disclaimer

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

See all comparison rates

disclaimer

 

Comparison rate with Special Offer Discountdisclaimer when borrowing 80% or less of the property valuedisclaimer

 

Comparison rate with Special Offer Discountdisclaimer when borrowing more than 80% of the property valuedisclaimer

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

See all comparison rates

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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

disclaimer disclaimer

 

Interest rate with discount when borrowing 80% or less of the property valuedisclaimer

See all rates

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

See all rates

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 of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. The ANZ Breakfree Package is not longer available for sale. Discounts vary based on lending amounts Loan to Value Ratio requirements and other eligibility criteria. Terms and conditions, minimum lending requirements and eligibility criteria applydisclaimer.

See all rates

disclaimer

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

 

Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. The ANZ Breakfree Package is no longer availabe for sale. Discounts vary based on lending amounts Loan to Value Ratio requirements and other eligibility criteria. Terms and conditions, minimum lending requirements and eligibility criteria apply.disclaimer  For existing Breakfree Package customers, if you renegotiate or take out an additional ANZ home loan account on and from 19 March to 10 September 2022 and link it to your existing Breakfree Package, you will receive an interest rate discount under the Breakfree Package. No further interest rate discounts will apply.

See rates for other loan terms

disclaimer disclaimer

Interest rate with discount when borrowing 80% or less of the property valuedisclaimer

See all rates

disclaimer disclaimer

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

See all rates

 

Interest rate with Special Offer Discountdisclaimer when borrowing more than 80% of the property valuedisclaimer

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 of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. The ANZ Breakfree Package is not longer available for sale. Discounts vary based on lending amounts Loan to Value Ratio requirements and other eligibility criteria. Terms and conditions, minimum lending requirements and eligibility criteria applydisclaimer.

See all rates

 

disclaimer

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

 

Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. The ANZ Breakfree Package is no longer availabe for sale. Discounts vary based on lending amounts Loan to Value Ratio requirements and other eligibility criteria. Terms and conditions, minimum lending requirements and eligibility criteria apply.disclaimer  For existing Breakfree Package customers, if you renegotiate or take out an additional ANZ home loan account on and from 19 March to 10 September 2022 and link it to your existing Breakfree Package, you will receive an interest rate discount under the Breakfree Package. No further interest rate discounts will apply.

See rates for other loan terms

Interest only - comparison rate

disclaimer

Interest rate with discount when borrowing 80% or less of the property valuedisclaimer

See all comparison rates

disclaimer

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

See all comparison rates

N/A

disclaimer

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

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

Interest rate with discount when borrowing 80% or less of the property valuedisclaimer

See all comparison rates

disclaimer

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

See all comparison rates

disclaimer

 

disclaimer

Comparison rate with Special Offer Discountdisclaimer when borrowing more than 80% of the property valuedisclaimer

disclaimer

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

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 new loan amount

$20,000

$20,000

$50,000

-

-

$20,000

$20,000

$50,000

-

-

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 payments.

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 payments.

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

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

Usually required if amount borrowed is more than 80% of the valuation of the security propertydisclaimer

Usually required if amount borrowed is more than 80% of the valuation of the security propertydisclaimer

Usually required if amount borrowed is more than 80% of the valuation of the security propertydisclaimer

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

Usually required if amount borrowed is more than 80% of the valuation of the security propertydisclaimer

Usually required if amount borrowed is more than 80% of the valuation of the security propertydisclaimer

Usually required if amount borrowed is more than 80% of the valuation of the security propertydisclaimer

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

Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. From 19 March 2022, the ANZ Breakfree Package will no longer be available for sale.

Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. From 19 March 2022, the ANZ Breakfree Package will no longer be available for sale.

Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. From 19 March 2022, the ANZ Breakfree Package will no longer be available for sale.

Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. From 19 March 2022, the ANZ Breakfree Package will no longer be available for sale.

Loan Approval Fee

$0

$0

$0

Waived (usually $600)disclaimer

Waived (usually $600)disclaimer

$0

$0

$0

Waived (usually $600)disclaimer

Waived (usually $600)disclaimer

Loan Administration Charge

$0

$0

$0

-

-

$0

$0

$0

-

-

Lock Rate fee per loan

N/A

$750 per $1m in lending (per $1 million of lending, or part thereof)disclaimer

N/A

N/A

$750 (per $1 million of lending)disclaimer

N/A

$750 per $1m in lending (per $1 million of lending, or part thereof)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 - May incur an Early Repayment Cost

Find out more

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

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

Yesdisclaimer
Find out more

N/A

Yesdisclaimer
Find out more

N/A

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

Yesdisclaimer
Find out more

Renegotiation fee

$0

$0 

An Early Repayment Cost may apply where you renegotiate your loandisclaimer

$0

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

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

$0

$0

An Early Repayment Cost may apply where you renegotiate your loandisclaimer

$0

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

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

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

Yesdisclaimer - May incur an Early Repayment Cost

Yes

Yes

An Early Repayment Cost may applydisclaimer

Yes

Yesdisclaimer - May incur an Early Repayment Cost

Yes

Yes

An Early Repayment Cost may applydisclaimer

100% offset account

Yes

A fee of $10 per month applies

Available on an ANZ one-year Fixed Home Loan. A fee of $10 per month applies. 

Not available

Yes

Available on an ANZ one-year Fixed Home Loan

Yes

A fee of $10 per month applies

Available on an ANZ one-year Fixed Residential Investment Loan. A fee of $10 per month applies. 

Not available

Yes

Available on an ANZ one-year Fixed Residential Investment Loan

Interest only payment

Yesdisclaimer - Up to 5 years
(Land Loan up to 3 years)

Yesdisclaimer - Up to 5 years
(Land Loan up to 3 years)

N/A

Yes - Up to 5 years
(Land Loan up to 3 years)

Yes - Up to 5 years

Yesdisclaimer - Up to 10 years
(Land Loan up to 1 year)

Yesdisclaimer - Up to 10 years
(Land Loan up to 1 year)

Yesdisclaimer - up to 10 years

Yes - Up to 10 years
(Land Loan up to 1 year)

Yes - Up to 10 years

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

Yesdisclaimer - May incur an Early Repayment Cost

Yes

Yes

An Early Repayment Cost may applydisclaimer

Yes

Yesdisclaimer - May incur an Early Repayment Cost

Yes

Yes

An Early Repayment Cost may applydisclaimer

Draw down loan progressively on construction loans

Yes - up to 24 months

Not available

Yes - up to 24 months

Yesdisclaimer- up to 24 months

Not available

Yes - up to 24 months

Not available

Yes - 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.

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

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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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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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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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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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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.

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Lenders Mortgage Insurance (LMI) is paid by the borrower and protects ANZ in the event that the borrower defaults and a shortfall arises following the sale of the security property. ANZ usually requires LMI where the Loan to Value Ratio (LVR) is above 80% (depending on the type of property). For some property types, LMI might be required when LVR is less than 80%.

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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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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).

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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 $1m in lending (or part thereof) applies. Terms and Conditions available on application.

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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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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.

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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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The interest rate shown incorporates ANZ Breakfree discounts which apply while you hold an ANZ Breakfree Package and your loan remains linked to your ANZ Breakfree Package. Eligibility for interest rate discounts are based on total mortgage lending requirements and Lending Loan to Value Ratio requirements. For details, see ANZ Breakfree Package and the ANZ Breakfree Terms and Conditions (PDF,131KB). Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued in on or about 10 September 2022 and Breakfree benefits will cease to apply. From 19 March 2022, the ANZ Breakfree Package will no longer be available for sale. Fee will also be waived if you paid it between 9 September 2021 and 12 February 2022, see ANZ Breakfree Package for more detail.

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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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Interest rate discounts apply to eligible loan accounts linked to the ANZ Breakfree Package which meet minimum lending requirements (total mortgage lending must be at least $150,000) and apply while you hold a package and your loan remains linked to your ANZ Breakfree Package. Annual package fee of $395 will be waived if it falls due from 12 February 2022 as the ANZ Breakfree Package will be discontinued on or about 10 September 2022 and Breakfree benefits will cease to apply. On and from 19 March 2022, the ANZ Breakfree Package will no longer be available for sale.

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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.

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Eligibility criteria and terms and conditions apply, including a minimum total mortgage lending requirement of $150,000. ANZ Breakfree package benefits only apply while you hold an ANZ Breakfree Package and your loan remains linked to your ANZ Breakfree package. See ANZ Breakfree Terms and Conditions for details.

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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).

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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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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.

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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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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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