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Home loan rates and offers

Explore our special home loan offers and home loan rates.

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Special home loan offers

Our low home loan rates

 

All home loan interest rates

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Special home loan offers

First home buyer conveyancing rebate

Up to $1,000 rebate for eligible first home buyers (including recipients of State or Territory government first home buyer concessions) with home loans over $250,000.

Apply by 30 September 2020 and draw down by 31 December 2020. Eligibility criteria and T&Cs apply. disclaimer

ANZ Breakfree package

Bundle and save more. 

You could save over $1,800 disclaimer in the first year with an ANZ Breakfree home loan package (annual fee $395).disclaimer

Learn more

 

Our low home loan rates

Introducing some of our best home loan rates on owner occupied and investment loans. 

Fixed rate home loans

The interest rate for your loan is the rate at the time of drawdown, not the time of application (so it can change). You could apply to lock in a fixed rate (terms and conditions and minimum $750 fee apply). 

Owner occupied interest rate

 

Principal
and interest

  disclaimer

Comparison rate disclaimer

2 year fixed interest rate on owner occupied home loan under the ANZ Breakfree package.disclaimer Annual fee $395.

 

Investment loan interest rate

 

Owner occupied rates

Principal and interest 

  disclaimer

 

Comparison ratedisclaimer

2 year fixed interest rate on an ANZ Fixed Residential Investment Loan under the ANZ Breakfree package.disclaimer Annual fee $395.

Variable rate home loan

 

Owner occupied interest rate

0.90% p.a. Owner occupied rates

Principal
and interest

 disclaimer

 

Comparison ratedisclaimer

 

ANZ Simplicity PLUS Home Loan with special interest rate (owner occupied when borrowing less than 80% of the property value).disclaimer

Not sure about what to choose?

Contact a home loan specialist

All home loan rates

View our latest rate change announcement following the RBA cash rate change on 20 March 2020.

For some of our lowest rates on offer, check out our low home loan rates.

ANZ Standard Variable rates without ANZ Breakfree package
Loan type Principal & Interest - Interest rate Principal & Interest - Comparison ratedisclaimer Interest only - Interest ratedisclaimer Interest only - Comparison ratedisclaimer
ANZ Standard Variable Home Loan

ANZ Standard Variable Residential Investment Loan

ANZ Standard Variable Residential Land Loan

ANZ Standard Variable Residential Investment Land Loan

ANZ Standard Variable Home Loan - With ANZ Breakfree package interest rate discounts while you are a package holderdisclaimer

ANZ Standard Variable home loan rates with ANZ Breakfree package
Total Mortgage Lending amountdisclaimer Principal & Interest - Interest rate Principal & Interest - Comparison ratedisclaimer Interest only - Interest ratedisclaimer Interest only - Comparison ratedisclaimer

$150,000 - $249,999

$250,000 - $699,999

$700,000 plus

ANZ Standard Variable Home Loan - Current special offer rates under ANZ Breakfree*

Borrowing 80% or less of the property valuedisclaimer

ANZ Standard Variable home loan rates with ANZ Breakfree package current special offer borrowing 80 percent or less
Total Mortgage Lending amountdisclaimer Principal & Interest - Interest rate Principal & Interest - Comparison ratedisclaimer Interest only - Interest ratedisclaimer Interest only - Comparison ratedisclaimer

$250,000 - $499,999

$500,000 plus

Borrowing more than 80% of the property valuedisclaimer

Important notice: Interest only no longer available when borrowing over 80% of the property value.

ANZ Standard Variable home loan rates with ANZ Breakfree package current special offer borrowing more than 80 percent
Total Mortgage Lending amountdisclaimer Principal & Interest - Interest rate Principal & Interest - Comparison ratedisclaimer Interest only - Interest ratedisclaimer Interest only - Comparison ratedisclaimer

$250,000 - $499,999

$500,000 plus

ANZ Standard Variable Residential Investment Loan - With ANZ Breakfree package interest rate discounts while you are a package holderdisclaimer

ANZ Standard Variable residential investment loan rates with ANZ Breakfree package
Total Mortgage Lending amountdisclaimer Principal & Interest - Interest rate Principal & Interest - Comparison ratedisclaimer Interest only - Interest ratedisclaimer Interest only - Comparison ratedisclaimer

$150,000 - $249,999

$250,000 - $699,999

$700,000 plus

ANZ Standard Variable Residential Investment Loan - Current special offer rates under ANZ Breakfree*

Borrowing 80% or less of the property valuedisclaimer

ANZ Standard Variable residential investment rates with ANZ Breakfree package current special offer borrowing 80 percent or less
Total Mortgage Lending amountdisclaimer Principal & Interest - Interest rate Principal & Interest - Comparison ratedisclaimer Interest only - Interest ratedisclaimer Interest only - Comparison ratedisclaimer

$250,000 - $499,999

$500,000 plus

Borrowing more than 80% of the property valuedisclaimer

ANZ Standard Variable residential investment rates with ANZ Breakfree package current special offer borrowing more than 80 percent
Total Mortgage Lending amountdisclaimer Principal & Interest - Interest rate Principal & Interest - Comparison ratedisclaimer Interest only - Interest ratedisclaimer Interest only - Comparison ratedisclaimer

$250,000 - $499,999

$500,000 plus

*See ANZ Breakfree Special Offer Terms and conditions (PDF 40kB). Eligibility criteria apply, including minimum new or additional lending for existing customers.

Annual package fee of $395. Discounts vary based on lending amounts and other eligibility criteria. Terms and conditions, and minimum lending requirements apply. Talk to us for more information on discounts.

More about ANZ Breakfree package discounts

ANZ Fixed Home Loan

ANZ Fixed home loan rates
Loan term Principal & Interest - Interest rate Principal & Interest - Comparison ratedisclaimer Interest only - Interest rate Interest only - Comparison ratedisclaimer

1-year Fixed

2-year Fixed

 

3-year Fixed

4-year Fixed

5-year Fixed

7-year Fixed

10-year Fixed

ANZ Fixed Home Loan - With ANZ Breakfree package interest rate discounts while you are a package holderdisclaimer

ANZ Fixed home loan rates with ANZ Breakfree package
Loan term Principal & Interest - Interest rate Principal & Interest - Comparison ratedisclaimer Interest only - Interest rate Interest only - Comparison ratedisclaimer

1-year Fixed

2-year Fixed

3-year Fixed

4-year Fixed

5-year Fixed

7-year Fixed

10-year Fixed

ANZ Fixed Residential Investment Loan

ANZ Fixed residential investment rates
Loan term Principal & Interest - Interest rate Principal & Interest - Comparison ratedisclaimer Interest only - Interest rate Interest only - Comparison ratedisclaimer

1-year Fixed

2-year Fixed

 

3-year Fixed

4-year Fixed

5-year Fixed

7-year Fixed

10-year Fixed

ANZ Fixed Residential Investment Loan - With ANZ Breakfree package interest rate discounts while you are a package holderdisclaimer

ANZ Fixed residential investment rates with ANZ Breakfree package
Loan term Principal & Interest - Interest rate Principal & Interest - Comparison ratedisclaimer Interest only - Interest rate Interest only - Comparison ratedisclaimer

1-year Fixed

2-year Fixed

3-year Fixed

4-year Fixed

5-year Fixed

7-year Fixed

10-year Fixed

Annual package fee of $395. Terms and conditions, minimum lending requirements and eligibility criteria apply.disclaimer

More about ANZ Breakfree package discounts

Important notice: From 29-May-2017, the maximum interest only term across all Home and Residential Investment loans (Fixed and Variable) will be 5 years. Terms and conditions apply.

ANZ Interest in Advance loan rates without ANZ Breakfree package
Loan term Interest rate Comparison ratedisclaimer

1-year Fixed

2-year Fixed

3-year Fixed

4-year Fixed

5-year Fixed

7-year Fixed

10-year Fixed

ANZ Interest in Advance Loan - With ANZ Breakfree package interest rate discounts while you are a package holderdisclaimer

ANZ Fixed residential investment rates with ANZ Breakfree package
Loan term Interest rate Comparison ratedisclaimer

1-year Fixed

2-year Fixed

3-year Fixed

4-year Fixed

5-year Fixed

7-year Fixed

10-year Fixed

Annual package fee of $395. Terms and conditions, minimum lending requirements and eligibility criteria apply.disclaimer

More about ANZ Breakfree package discounts

ANZ Simplicity PLUS rates for Home loans and residential investment loans
Loan type Principal & Interest - Interest rate Principal & Interest - Comparison ratedisclaimer Interest only - Interest ratedisclaimer Interest only - Comparison ratedisclaimer

ANZ Simplicity PLUS Home Loan

ANZ Simplicity PLUS Home Loan with Special Offer Discount (borrowing > 80% of the property valuedisclaimer)*

ANZ Simplicity PLUS Home Loan with Special Offer Discount (borrowing ≤ 80% of the property valuedisclaimer)*

ANZ Simplicity PLUS Residential Investment Property Loan

ANZ Simplicity PLUS Residential Investment Property Loan with Special Offer Discount (borrowing > 80% of the property valuedisclaimer)*

  

  

ANZ Simplicity PLUS Residential Investment Property Loan with Special Offer Discount (borrowing ≤ 80% of the property valuedisclaimer)*

*The rate shown is the applicable Simplicity PLUS index rate less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including an ANZ Simplicity PLUS Home Loan or Simplicity PLUS Residential Investment Property Loan of $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.

ANZ Equity Manager rate without ANZ Breakfree package
Loan type Interest rate

ANZ Equity Manager

ANZ Equity Manager - With ANZ Breakfree package interest rate discounts while you are a package holderdisclaimer

ANZ Equity Manager with ANZ Breakfree package
Total Mortgage Lending amountdisclaimer Interest rate

$150,000 - $249,999

$250,000 - $699,999

$700,000 plus

ANZ Equity Manager - Current special offer rates under ANZ Breakfree*

Borrowing 80% or less of the property valuedisclaimer

ANZ Equity Manager with ANZ Breakfree current special offer rates borrowing 80 percent or less
Total Mortgage Lending amountdisclaimer Interest rate

$250,000 - $499,999

$500,000 plus

Borrowing more than 80% of the property valuedisclaimer disclaimer

ANZ Equity Manager with ANZ Breakfree current special offer rates borrowing more than 80 percent
Total Mortgage Lending amountdisclaimer Interest rate

$250,000 - $499,999

$500,000 plus

*Current Special Offer rates on our ANZ Equity Manager rate loan under Breakfree. See Terms and conditions (PDF 40kB). Eligibility criteria apply, including minimum new or additional lending for existing customers.

Annual package fee of $395. Discounts vary based on lending amounts and other eligibility criteria. Terms and conditions, and minimum lending requirements apply.

More about ANZ Breakfree package discounts

You've got questions

We've got answers.

ANZ charges interest on the money it lends to customers. That charge is called the ‘interest rate’ and is expressed as a percentage (for example, 4.00%p.a.). The interest rate you pay will depend on your loan type and features (for example, the interest rate for a customer with a variable rate loan is usually different to a customer with a fixed rate loan). There may be other fees and charges payable on your loan in addition to interest.  

A comparison rate is designed to help you work out the total cost of a home loan by building all the known costs like up-front and ongoing fees into that rate. It doesn’t include things like government charges, redraw fees or fee waivers. 

You can use comparison rates to help you compare the cost of different home loans with similar features. When deciding which home loan is right for you, it’s important to think about what features each home loan offers, and how much these matter to you. Keep in mind that you may not necessarily pay the comparison rate that is advertised for your loan type.  This is because, for example, you may not pay all the fees and charges which the comparison rate includes.

This Comparison Rate is for secured loans of $150,000 over 25 years based on monthly repayments, including minimum Breakfree discount.

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.

The fixed comparison rates shown on this page only have the minimum Breakfree Package discount applied. It is possible to get higher than the 0.50% minimum discount rate, depending on your individual lending needs which would provide a lower comparison rate.

Talk to one of our home loan specialists or your broker to help you understand what discount rate and comparison rate could apply to your situation.

Interest is calculated based on the unpaid daily balance of your loan. For example, if you had a loan balance of $150,000 and your interest rate was 6% p.a., your interest charge would be: $150,000 x 6% divided by 365 days = $24.66 for that day. For most ANZ Home Loans, interest is usually calculated daily and charged monthly. For details refer to the ANZ Consumer Lending Terms and Conditions (PDF 412kB).

Let's put it this way: if you choose an interest only home loan, the minimum payments of your home loan will be lower during the interest only period because you are not required to repay the principal balance. You will have to repay the principal down the track and you will pay more over the life of your home loan.

There may be additional restrictions on the amount you can borrow or loan type you can select if you choose to pay interest only. Choosing to repay principal and interest means that you're actually paying off the total home loan amount over the period of the loan, not just the interest charges.

If you have a variable rate home loan or residential investment loan, interest rates may have an effect on your repayment amount. An interest rate rise may mean your required repayment amount goes up, while a fall in interest rates may result in your required repayment amount going down. If you have a fixed rate home loan, your minimum monthly required repayment will not change during the fixed period.

Contact us or apply

Quick start home loan application

Get started in just 5 minutes to apply for a new home loan, refinance, or pre-approvaldisclaimer

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

Mon-Fri 8.00am to 8.00pm (AEST)
Sat-Sun 8.00am to 6.00pm (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. 

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and 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.

For full terms and conditions of the offer, contact any ANZ branch or ANZ Mobile Lender. Offer is only available to eligible First Home Buyers (including recipients of a government First Home Owner Grant and/or first home buyer stamp duty concession and apply for an eligible ANZ loan [refer to www.firsthome.gov.au for eligibility details of the State or Territory government First Home Owner Grants and stamp duty concessions.]). Offer available only on application and is limited to one rebate of up to $1,000 per single property purchase for eligible First Home Buyers who take out an eligible ANZ Loan for an owner occupier purpose. To enable reimbursement of conveyancing fees, you must hold an ANZ Access Advantage or ANZ One account at draw down. Offer is not available in conjunction with or in addition to any other offer, discount or benefit unless specifically advised by ANZ in writing. Offer may be altered or withdrawn by ANZ at any time. All applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions apply and are available on application. Fees and charges and eligibility criteria apply.

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If you take out a $250,000 ANZ Standard Variable Home Loan with a  interest rate discount and fee waivers under the ANZ Breakfree package.

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* 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.

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Interest rate current as at  and subject to change. Rate incorporates a Breakfree discount applied to eligible home loans linked to the Breakfree package. ANZ Breakfree discounts and benefits apply only while the customer maintains the package and meets ongoing eligibility criteria.

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This Comparison Rate is for secured loans of $150,000 over 25 years based on monthly repayments, including minimum Breakfree discount.

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.

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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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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.

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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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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.

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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.

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Total Mortgage Lending - Means the sum of the account balances, plus any funds available for redraw, of home and investment loan accounts and the credit limit of any Equity Manager facilities held in the names of the applicants or borrowers, whether or not the loan is linked to the ANZ Breakfree Package. It does not include Nominated Loan Accounts which are held by other Package Holders.

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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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Equity manager maximum LVR is 80% as of 29 May 2017.

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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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