Simpler home loans.
What a feeling.
We’ve simplified our home loans and dropped bundled packages.
No more packages. No annual package fee. Same great rates.
Explore our home loan interest rates and special home loan offers.
We’ve simplified our home loans and dropped bundled packages. Get discounted interest rates upfront on eligible loans,disclaimerno ANZ set up or ongoing feesdisclaimerand only pay for the extras you want.
No more packages. No annual package fee. Same great rates.
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Interest ratedisclaimer,disclaimer | Comparison ratedisclaimer |
2 year discounted fixed interest rate when borrowing 80% or less of the property valuedisclaimeron owner occupied home loan with principal and interest repayments.disclaimer
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Interest ratedisclaimer | Comparison ratedisclaimer |
Interest rate with special offer discountdisclaimerwhen borrowing 70% or less of the property valuedisclaimeron owner occupier home loan with principal and interest repayments.
Want a home loan comparison at a glance? Compare home loan rates, features and fees side by side.
To check the current interest rate on your existing home loan, log in to ANZ Internet Banking or the ANZ mobile app.
See rates for products that are no longer available here.
The Breakfree Package will be discontinued for existing customers on or about 10 September 2022. Find out what this means for you.
our latest rate change announcement following the RBA cash rate change on 3 May 2022.
ViewEligible first home buyers only with home loans over $250,000.
Apply between 1 August 2021 and 29 July 2022. Eligibility criteria and T&Cs apply.disclaimer
Do you work in a legal, medical or accounting profession? You may be eligible for an LMI waiver with your ANZ home loan.
You can apply for a discounted interest rate based on your Loan to Value Ratio (LVR). Higher discounts may apply if your LVR is 80% or less.
Your LVR is the amount you're looking to borrow, divided by the value of the property you want to
Get started in just 5 minutes. Apply for pre-approvaldisclaimer, a new home loan, refinance or top up your existing ANZ home loan.
You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.
Eligibility criteria applies to the Special Offer discount for ANZ Simplicity PLUS, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.
ReturnOther home loan fees including Late Payment Fee, Lock Rate Fee, Early Repayment Cost (Fixed Rate Loans) and ANZ Equity Manager facility fee still apply. Loan security fees including Lodgement Fee, Production Fee, Settlement Fee and Search Fee still apply however will not be charged on establishment of a loan. Government fees and charges (including government search fees and stamp duty) may still apply.
ReturnThe 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.
ReturnRates 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.
ReturnInterest rates shown on this page are current as at and are subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB), ANZ Personal Banking General Fees and Charges (PDF 155kB) and your letter of offer.
ReturnComparison 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.
ReturnProperty value is ANZ's valuation of the security property and may be different to the price you pay for a property.
ReturnFixed 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.
ReturnThe 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.
ReturnProperty value is ANZ's valuation of the security property and may be different to the price you pay for a property.
ReturnIndex rate current as at and subject to change. The index rate (or reference rate) does not include any interest rate discounts that may apply.
ReturnRates 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.
ReturnInterest only repayments are not available for new ANZ Simplicity PLUS Home Loan applications.
ReturnThe 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.
ReturnFor full terms and conditions of the offer, contact any ANZ branch or ANZ Mobile Lender. Offer is only available to eligible First Home Buyers who apply for an eligible ANZ loan. 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.
ReturnEstimated LVR is based on the limited information provided and is for illustrative purposes only. Estimated LVR is rounded up to one decimal place. For example, an estimated LVR of 80.01% will be rounded up to 80.1%. The value of the property (as assessed by ANZ) may differ from your estimate. It does not constitute a quote or an offer for credit. To apply for an ANZ home loan you must complete an application. All applications for credit are subject to ANZ's credit approval criteria.
ReturnANZ 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.
ReturnANZ 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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