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Home loan rate changes

Rate decision – 4 November 2020

ANZ has announced new fixed rates for owner occupiers paying principal and interest, to become effective on 5 November 2020. ANZ acknowledges that many of its customers are searching for greater repayment certainty in the current environment, and so are offering a lower fixed rate to ensure customers have competitive options to suit their needs.

Further details on ANZ’s announcement can be found at ANZ’s Media Centre.

What criteria does ANZ use when making decisions on interest rates?

We regularly review interest rates to ensure they reflect current market conditions. Our review includes factors such as:

  • The cost of wholesale funding
  • Our competitive positioning
  • The impact of economic conditions on our customers
  • Regulatory requirements
  • Ensuring fair rates for depositors
  • Overall business performance 

I would like more information. Who can I speak to?

If you would like more information on ANZ's announcement, visit any ANZ Branch, call us on 13 13 14, or refer to our media centre page.

To keep up to date with our fixed rates, please visit our home loan interest rates page.  

What can I do if I'm having difficulty making my repayments?

Please contact us so we can review your situation and explore the available options. More information can be found at our dedicated Hardship online site or through our COVID-19 Hub on

Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian credit licence number 234527.