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Home Loans interest rates

It's important to understand the interest rates that apply to your ANZ home loan. 

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

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

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.

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 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

Important notice: From 29-May-2017, interest only repayments are no longer available for new ANZ Simplicity PLUS applications. For new applications and renewals, the maximum interest only term across all Home and Residential Investment loans (fixed and variable) will be 5 years. Terms and conditions apply.

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*

ANZ Simplicity PLUS Residential Investment Loan

ANZ Simplicity PLUS Residential Investment Loan with special offer discount*

* Rate shown is the variable rate of (for principal and interest repayments) or (for interest only repayments), less the special offer discount of 0.56% p.a. (for ANZ Simplicity PLUS Home Loan) or 0.25% p.a. (for ANZ Simplicity PLUS Residential Investment Loan). Rate current as at . Eligibility criteria applies to special offer variable rate including taking out an ANZ Simplicity PLUS home loan of $50,000 or more in new to ANZ lending. ANZ will also waive the Loan Approval Fee or any Renegotiation Fee upon request. Offers can be withdrawn or changed at any time. The applicable interest rate may be amended or varied at any time.

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

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FAQs - get your questions answered

   How is interest calculated?

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) and your letter of offer.

   Principal and interest, or interest only?

Let's put it this way: if you choose interest only, your minimum repayments 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 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 loan amount over the period of the loan, not just the interest charges. Learn more about repayment types

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

All applications for credit are subject to ANZ's credit approval criteria. Terms and Conditions apply and are available on application. Fees, charges and eligibility criteria apply. 

Any advice 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 Financial Services Guide (PDF 104kB) before acquiring any product. 

It is important to consider the following with ANZ Breakfree:

• All ANZ Breakfree Package benefits are subject to the ANZ Breakfree Terms and Conditions and any relevant Product Disclosure Statements or terms and conditions.

• Any relevant Special Offer terms and conditions apply.

• Eligibility criteria apply to the ANZ Breakfree Package, including a minimum lending requirement of $150,000. Breakfree benefits only apply while you maintain the package and meet ongoing eligibility criteria. See the ANZ Breakfree Terms and Conditions.

• Breakfree benefits are independent of any other discounts or fee waiver granted in ANZ’s absolute discretion at any time.

Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. 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. 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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Reports are based on a range of data sources, are not indicative of future performance and are only for personal domestic use. Price estimates may not be available for all sales and properties.

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