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ANZ regularly reviews its interest rates on home loans and residential investment loans, including following the Reserve Bank of Australia meetings. View the most recent home loan interest rate changes here.
Loan type |
Increase |
Index rate from 12 August 2022 |
Comparison rate from 12 August 2022disclaimer |
---|---|---|---|
ANZ Standard Variable Home Loan Index Rate |
+0.50% p.a. |
6.14% p.a. |
6.14% p.a. |
ANZ Standard Variable Residential Investment Property Loan Index Rate |
+0.50% p.a. |
6.74% p.a. |
6.74% p.a. |
ANZ Simplicity PLUS Home Loan Index Rate |
+0.50% p.a. |
5.49% p.a. |
5.50% p.a. |
ANZ Simplicity PLUS Residential Investment Property Loan (RIPL) Index Rate |
+0.50% p.a. |
5.49% p.a. |
5.50% p.a. |
Loan type |
Increase |
Index rate from 12 August 2022 |
Comparison rate from 12 August 2022disclaimer |
---|---|---|---|
ANZ Standard Variable Home Loan Index Rate |
+0.50% p.a. |
6.69% p.a. |
6.38% p.a. |
ANZ Standard Variable Residential Investment Property Loan Index Rate |
+0.50% p.a. |
6.99% p.a. |
6.85% p.a. |
ANZ Simplicity PLUS Home Loan Index Rate |
+0.50% p.a. |
5.69% p.a. |
5.58% p.a. |
ANZ Simplicity PLUS Residential Investment Property Loan (RIPL) Index Rate |
+0.50% p.a. |
5.48% p.a. |
5.49% p.a. |
Loan type |
Increase |
Index rate from from 12 August 2022 |
Comparison rate from 12 August 2022disclaimer |
---|---|---|---|
ANZ Home Equity Loan Variable Index Rate |
+0.50% p.a. |
7.84% p.a. |
n/adisclaimer |
ANZ Money Saver Home Loan Variable Index Rate |
+0.50% p.a. |
5.79% p.a. |
5.90% p.a. |
ANZ Money Saver Investment Loan Variable Index Rate |
+0.50% p.a. |
6.39% p.a. |
6.50%p.a. |
ANZ Equity Manager Variable Index Rate |
+0.50% p.a. |
7.76% p.a. |
n/adisclaimer |
The rate increase will be effective from 12 August 2022. You'll see your new rate in your home loan account details in ANZ Internet Banking from this date.
When there's an increase in the index interest rate, the minimum repayment amount you need to pay will increase. We'll let you know if there's a change to your minimum repayments.
Bank managed payments | Customer managed payments |
If your repayments are bank managed, ANZ will automatically increase the minimum repayment amount you’re required to pay. We'll let you know there's been a change to your repayment amount. |
If your repayments are customer managed, you’ll need to adjust your repayment amount manually to meet the new minimum required repayment. |
Here's how to check your home loan interest rate in ANZ Internet Banking.
Enter your new interest rate into our home loan repayments calculator to get an estimate of your new repayments under that rate. If there is a change to your repayments we'll notify you of these changes in the usual way, based on how you've chosen to hear from us.
An ANZ home loan check-in could help you find ways to fine-tune your home loan so it continues to meet your needs. A home loan check-in chat only takes 15 minutes, with no prep or paperwork.
Small changes to your repayments can make a big difference to the amount of interest you pay over the life of your loan. For instance, if you make fortnightly repayments instead of monthly repayments, you'll be reducing your total interest charges.
If you have an eligible loan such as an ANZ Standard Variable loan or a one year ANZ Fixed loan, you could consider linking an offset account to it (a fee of $10 per month applies). The more money you have in your linked offset account, the less interest you'll need to pay on your home loan.
If you currently have a variable rate home loan and you're looking for more repayment certainty, you could consider splitting your loan into part variable, part fixed rate and get the best of both worlds. Learn more about splitting your loan.
If you're ahead on your home loan repayments you may be able to access funds from the extra repayments made, or take a break from future scheduled repayments with ANZ Redraw.disclaimer
All rates in this notice are current as at 12 August 2022. ANZ regularly reviews its interest rates and may change them from time to time. For details of current rates, please refer to ANZ interest rates.
Terms and conditions, fees and charges, and eligibility criteria (e.g. ANZ credit approval criteria) apply to ANZ loans.
If customers have questions about interest rates and their repayments, they should visit an ANZ branch, visit anz.com or contact ANZ on 13 13 14.
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian credit licence number 234527.
Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments. 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.
ReturnNo comparison rate exists as there is no set repayment schedule for this product.
ReturnTerms 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