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Our lowest home loan rates this century

Home loan rates so good you might start to feel a little more on top of things, whether you're looking to buy your first home, next home, an investment property, or refinance.

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Variable rate home loans

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Frequently asked questions

 

Get in touch today about these low rates

Our low home loan rates

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

Fixed rate home loans

 

Owner occupied interest rate

 

Principal
and interest

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Comparison ratedisclaimer

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

 

Investment loan interest rates

 

Owner occupied rates

Principal and interest 

  disclaimer

 

Comparison ratedisclaimer

Owner occupied rates

Interest only

 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 home loan rate

 

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

What kind of home loan?

I want stability

Like the certainty of knowing what your repayments will be, so you can keep your budget on track?

A fixed rate home loan could be right for you

I prefer flexibility

Want to make extra repayments with no extra fees and save on interest with an offset account?

A variable home loan could be right for you

Commitment issues?

Like the certainty of a fixed rate but want some variable loan perks? Get the best of both worlds.

A split loan could work for you

Let us help you find the right low interest home loan

Fixed or variable home loan? Or what about split? It all comes down to finding the right fit.

Talk to one of our home loans specialists today and we can help you find the right home loan for you. 

Contact a home loan specialist

Crunch the numbers to see how low you can go

A lower home loan interest rate can really make a difference to your finances over time.

Use our home loan repayment calculator to help you estimate what your mortgage repayments could be with ANZ. If you've got an existing home loan, you can even punch in your current home loan rate to see how much your repayments could change.

Loan amount

$
p.a.

Note: the manual interest rate you have selected may not be available.

p.a
Results based on an . This shows your estimated payments based on the loan amount, loan type & loan term selected.
Results based on an with Breakfree. ANZ Breakfree annual package fee of applies. This shows your estimated payments based on the loan amount, loan type & loan term selected.
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.
Results based on a custom interest rate. This shows your estimated payments based on the loan amount, loan type & loan term selected.

 

Thinking of switching home loans?

If you're looking to refinance, your deposit, valuation and lending needs could help you negotiate a better deal.

Talk to us today to find out how.

 

Apply today

We can come to you

Visit a branch

Find your nearest branch

 

Get in touch

1800 519 688

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

Chat to a broker

You can also contact your ANZ accredited broker today

How to get to 'yes' faster

The essential info you need to apply

  • Financial details including your income, expenses, assets and debts
  • A current driver’s licence, passport or Medicare card
  • An ANZ account number (if you have one)

To be eligible, please ensure

  • You are at least 18 years old
  • You are an Australian citizen or permanent resident
  • Your primary income is in Australian dollars

Don't meet some of the criteria above? Don't worry, you might still be able to apply. Call us on 1800 324 107, Monday to Friday 8:00am to 8:00pm (AEST), Saturday and Sunday 8:00am to 6:00pm (AEST), or visit an ANZ branch.

 

You've got questions

We've got answers.

A comparison ratedisclaimer helps you work out the total cost of a home loan by building all the known costs like up-front and ongoing fees into the interest 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. 

For the fixed interest rates shown above, the comparison rate is based on an ANZ Standard Variable Home Loan with minimum ANZ Breakfree Package discount of 0.50% after the fixed rate period. ANZ Breakfree annual package of $395 applies.

This shows your estimated payments based on the home loan amount, loan type and loan term selected. 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 home loans, the comparison rates are based on an initial 5-year interest only term. For interest only fixed rate home loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.

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.

Where we can, we want to help our existing customers. Now is a great time to get in touch and see what we can do for you. If you currently have a variable home loan, you can talk to our team about moving across to one of our low fixed rate home loans today.

Yes, absolutely. Chat to us about our investment loans. We’re confident you’ll find one that fits.

With an ANZ Breakfree packagedisclaimer you could benefit from interest rate discounts on eligible home loan accountsdisclaimer as well as fee waivers for ANZ everyday banking and ANZ credit cardsdisclaimer, and ANZ insurancedisclaimer and advicedisclaimer benefits. Chat to us or your ANZ accredited broker to learn a little more.

You can still get a fixed or variable home loan without an ANZ Breakfree package, but you’ll forego the Breakfree discount of 0.15% on fixed rate home loans and minimum 0.50% discount for variable home loans. ANZ Simplicity PLUS loans are not part of an ANZ Breakfree package, so you could consider the ANZ Simplicity PLUS variable home loan rates listed above.

Yes, our fantastic broker network is here to help. Plus, they’ll help you find a great home loan to match. 

Can't decide between a fixed or variable home loan?

If you'd like the benefits of variable home loan rates but would still appreciate the certainty of a fixed rate home loan, you could get the best of both worlds by splitting your home loan. 

We allow you to split between fixed or variable home loan types, and you can split your home loan into as many products as you want, into the ratio that best suits your needs.

Some customers choose to split their home loan between the two: 50-50, 60-40 or some other ratio, it's up to you. This way, you can enjoy repayment flexibility as well as certainty, all at the same time. 

For example: if you need to borrow $200,000 to buy a property, you may decide on a 50-50 split loan, with $100,000 each as an ANZ Standard Variable Home Loan and ANZ Fixed Loan. You'll enjoy the flexibility of a variable home loan linked to an ANZ One offset account and the ability to repay extra, but you'll also get the certainty of consistent repayments with the fixed rate loan.

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.

Fixed rate loans aren't for everyone. With a fixed rate loan, if you repay the home loan or switch to another one before the end of your fixed term, or make early or additional repayments, you may have to pay an Early Repayment Cost (PDF 196kB). There are no early repayment costs with a variable home loan.

Any information provided is general in nature and does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you. ANZ recommends you read the applicable Terms and Conditions booklets and the ANZ Financial Services Guide (PDF, 104kB) before deciding whether to acquire, or continue to hold, a particular product.

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

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.

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

 

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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* 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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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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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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The Annual Account Fee is waived on one eligible ANZ credit card account held under an ANZ Breakfree Package. The waiver only applies while the account is held under the package. A Rewards Program Services Fee of $55 per cardholder may apply to ANZ Rewards and ANZ Frequent Flyer accounts.

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ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance are issued by QBE Insurance (Australia) Limited (QBE) ABN 78 003 191 035 (AFSL 239545). This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs.  You should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs. ANZ recommends that you read  ANZ Financial Services Guide (PDF, 107kB) and the relevant ANZ Home insurance Product Disclosure Statement and Policy (PDF 2.1MB)ANZ Landlord Insurance Product Disclosure Statement and Policy (PDF 760kB)ANZ Car Insurance Product Disclosure Statement and Policy (PDF 814kB), available by calling 13 16 14 or visiting anz.com before deciding whether to acquire, or to continue to hold, any of these products. To be entitled to a discount on your insurance you must notify the issuers of these products at the time of application that you are an ANZ Breakfree package customer. Please note for ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance the discount is only applicable to the first year’s premium. Reference to insurance premium amounts for the purposes of calculating the applicable Breakfree package benefits exclude any stamp duty, GST and other government fees, charges or levies components that are included in the total premium amount paid by you. These discounts are not available in conjunction with any other discount offer made by issuers of these products or ANZ.

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The discount applies upon you notifying your ANZ Financial Planner that you are an ANZ Breakfree package customer. ANZ Financial Planning will provide one discount per ANZ Breakfree package of up to $550 (inclusive of GST) off the One-Off Adviser Service Fee (ASF). Where the ASF is less than $550 (inclusive of GST), the discount will equal this lesser amount. This Offer may not be used in conjunction with other ANZ Financial Planning offers. ANZ Financial Planners are representatives of Australia and New Zealand Banking Group Limited ABN 11 005 357 522, the holder of an Australian Financial Services Licence.

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