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  • ANZ Fixed Rate

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    home loans

    • 6.19%3 years

    • 6.95%

    • $10.00Monthly

    • $600

    Rates

    Variable rate
    none
    Intro rate
    none
    Intro rate term
    none
    Intro rate type
    none
    Comparison Rate*
    6.95%
    Fixed 1 year rate
    6.14%
    Fixed 2 year rate
    6.34%
    Fixed 3 year rate
    6.19%
    Fixed 4 year rate
    6.74%
    Fixed 5 year rate
    6.79%
    Fixed 7 year rate
    7.69%
    Fixed 10 year rate
    7.69%
    Fixed loan revert rate
    7.05%

    Fees

    Application fee
    $600.00
    Legal fee
    $
    Valuation fee
    $
    Settlement fee
    $
    Other upfront fee (% of loan)
    none
    Service fee
    $10.00Monthly
    Discharge fee
    $
    Early Exit Fee after 1 year assuming $300,000 loan
    fixed rate
    break fees

    Features

    Repayment Frequency
    Weekly, Fortnightly, Monthly
    Extra repayments
    yes - free up to annual limit
    Repayment holidays
    no
    Redraw facility
    no
    Minimum redraw amount
    $
    Split account
    yes
    Offset account
    yes
    Other restrictions
    none
    Other benefits
    Monthly fee reverts to $5 after fixed rate ends.

    Other financial bits

    Minimum loan amount
    $20,000.00
    Maximum loan amount
    $

    About ANZ

    ANZ is one of the largest companies in Australia and New Zealand, with a history that stretches back over 170 years. The bank offers a range of banking and financial products to more than 5.7 million retail customers, including home loans, credit cards and debit cards, personal loans, savings and banking accounts and personal insurance. And now, with its new mobile banking application, ANZ goMoney, it’s easier to do banking on the go.

    How are ANZ home loans rated by the Mozo community?

    Product Type Overall Price Features Service Convenience Trust
    ANZ home loans 6.5 Based on 551
    ANZ home loan reviews
    6.1 6.0 6.5 7.5 6.3

    Read ANZ home loan reviews by the Mozo community

    Latest reviews of ANZ Fixed Rate

      • ANZ Fixed Rate *

        • 6.14%

          fixed 1 year rate

        • 6.95%

          comparison rate

        ANZ Equity Manager *

        • 7.20%

          variable rate

        • 7.37%

          comparison rate

        * Fees and charges are payable

        Show Rates

        Excellent service with highly competitive rates

          1. Overall customer rating
          2. (Reviewed 4 days ago)

        I read and hear lots of negative comments about the major banks in terms of hidden fees and charges and difficulty with communication, both at a physical branch and online, but I have found the ANZ offers an incredibly good service all round and h...       Full review 

        I read and hear lots of negative comments about the major banks in terms of hidden fees and charges and difficulty with communication, both at a physical branch and online, but I have found the ANZ offers an incredibly good service all round and have been so easy to deal with. I wouldn't hesitate to recommend them to anyone.


          1. Price
          1. Features
          1. Service
          1. Convenience
          1. Trust
        Less
        ANZ Fixed Rate home loan review by Fred from New South Wales

        Was this review helpful?

        Yes
      • ANZ Fixed Rate *

        • 6.14%

          fixed 1 year rate

        • 6.95%

          comparison rate

        ANZ Equity Manager *

        • 7.20%

          variable rate

        • 7.37%

          comparison rate

        * Fees and charges are payable

        Show Rates

        High rates and poor customer service

          1. Overall customer rating
          2. (Reviewed 4 days ago)

        ANZ is just another of the big four but is always first to raise interest rates and last to lower them plus they have never yet met the reserve bank interest rate cuts, no I would not recommend them.       Full review 

        ANZ is just another of the big four but is always first to raise interest rates and last to lower them plus they have never yet met the reserve bank interest rate cuts, no I would not recommend them.


          1. Price
          1. Features
          1. Service
          1. Convenience
          1. Trust
        Less
        ANZ Fixed Rate home loan review by Peter from Western Australia

        Was this review helpful?

        Yes
      • ANZ Fixed Rate *

        • 6.14%

          fixed 1 year rate

        • 6.95%

          comparison rate

        ANZ Equity Manager *

        • 7.20%

          variable rate

        • 7.37%

          comparison rate

        * Fees and charges are payable

        Show Rates

        Nice staff and very informative regarding products

          1. Overall customer rating
          2. (Reviewed 10 days ago)

        The customer service was great, and I could negotiate what suited our family situation. Having a husband retrenched recently made it easier to know how much we are up for each month and budget accordingly.       Full review 

        The customer service was great, and I could negotiate what suited our family situation. Having a husband retrenched recently made it easier to know how much we are up for each month and budget accordingly.


          1. Price
          1. Features
          1. Service
          1. Convenience
          1. Trust
        Less
        ANZ Fixed Rate home loan review by Olga from Victoria

        Was this review helpful?

        Yes
      • ANZ Fixed Rate *

        • 6.14%

          fixed 1 year rate

        • 6.95%

          comparison rate

        ANZ Equity Manager *

        • 7.20%

          variable rate

        • 7.37%

          comparison rate

        * Fees and charges are payable

        Show Rates

        Flexibility and Professional

          1. Overall customer rating
          2. (Reviewed 11 days ago)

        I like this product because I know my home loan repayments are fixed for a year with todays unstable economy plus im unemployed but there is opportunity to put only one lump sum of up to $5,000 if I have spare cash. Hopefully when I get a job again.       Full review 

        I like this product because I know my home loan repayments are fixed for a year with todays unstable economy plus im unemployed but there is opportunity to put only one lump sum of up to $5,000 if I have spare cash. Hopefully when I get a job again.


          1. Price
          1. Features
          1. Service
          1. Convenience
          1. Trust
        Less
        ANZ Fixed Rate home loan review by Wendy from New South Wales

        Was this review helpful?

        Yes
      • ANZ Fixed Rate *

        • 6.14%

          fixed 1 year rate

        • 6.95%

          comparison rate

        ANZ Equity Manager *

        • 7.20%

          variable rate

        • 7.37%

          comparison rate

        * Fees and charges are payable

        Show Rates

        Hate the ANZ with a passion.

          1. Overall customer rating
          2. (Reviewed 3 months ago)

        The ANZ told us we were able to take a *home loan holiday" as we had hit a slight bump in the road with our finances. No questions asked, no paper work to fill out just don't pay your loan repayment for 3 months. Doing backflips thinking how great...       Full review 

        The ANZ told us we were able to take a *home loan holiday" as we had hit a slight bump in the road with our finances. No questions asked, no paper work to fill out just don't pay your loan repayment for 3 months. Doing backflips thinking how great our bank was, we needed to ring back a couple of days later and we were told there was no such thing as a home loan holiday. It was simply a deferral of payments and it would be reviewed after the first month. Recently they have come out and said they will choose what to do with interest rates regardless what the RBA recommend. How is this working for their customers and how did they get their home loan lender of the year title? Is it solely based on number of sales?. We are changing banks as soon as we can.


          1. Price
          1. Features
          1. Service
          1. Convenience
          1. Trust
        Less
        ANZ Fixed Rate home loan review by Donna from Western Australia

        Was this review helpful?

        Yes
      • ANZ Fixed Rate *

        • 6.14%

          fixed 1 year rate

        • 6.95%

          comparison rate

        ANZ Equity Manager *

        • 7.20%

          variable rate

        • 7.37%

          comparison rate

        * Fees and charges are payable

        Show Rates

        Poor loan, satisfactory service

          1. Overall customer rating
          2. (Reviewed 3 months ago)

        I would have to say this is the worst type of loan to take out, as this is a fixed interest rate home loan established prior to the Government removing the fees. There is no way out without paying excessive fees.       Full review 

        I would have to say this is the worst type of loan to take out, as this is a fixed interest rate home loan established prior to the Government removing the fees. There is no way out without paying excessive fees.


          1. Price
          1. Features
          1. Service
          1. Convenience
          1. Trust
        Less
        ANZ Fixed Rate home loan review by Ken from Queensland

        Was this review helpful?

        Yes
      • ANZ Fixed Rate *

        • 6.14%

          fixed 1 year rate

        • 6.95%

          comparison rate

        ANZ Equity Manager *

        • 7.20%

          variable rate

        • 7.37%

          comparison rate

        * Fees and charges are payable

        Show Rates

        Exceptional! Second to none!

          1. Overall customer rating
          2. (Reviewed 4 months ago)

        The support, flexibility and customer service ANZ has given me through difficult times has been absolutely second-to-none and has enabled me to be able to keep our house (Single Mother of 2 kids).       Full review 

        The support, flexibility and customer service ANZ has given me through difficult times has been absolutely second-to-none and has enabled me to be able to keep our house (Single Mother of 2 kids).


          1. Price
          1. Features
          1. Service
          1. Convenience
          1. Trust
        Less
        ANZ Fixed Rate home loan review by Charis from Western Australia

        Was this review helpful?

        Yes
      • ANZ Fixed Rate *

        • 6.14%

          fixed 1 year rate

        • 6.95%

          comparison rate

        ANZ Equity Manager *

        • 7.20%

          variable rate

        • 7.37%

          comparison rate

        * Fees and charges are payable

        Show Rates

        Don't trust them to do what they say.

          1. Overall customer rating
          2. (Reviewed 4 months ago)

        The product is ok, however the bank's failure to rectify the issue when a Manager did not do what he promised, makes me distrust and dislike ANZ intensely.       Full review 

        The product is ok, however the bank's failure to rectify the issue when a Manager did not do what he promised, makes me distrust and dislike ANZ intensely.


          1. Price
          1. Features
          1. Service
          1. Convenience
          1. Trust
        Less
        ANZ Fixed Rate home loan review by Jane from Victoria

        Was this review helpful?

        Yes
      • ANZ Fixed Rate *

        • 6.14%

          fixed 1 year rate

        • 6.95%

          comparison rate

        ANZ Equity Manager *

        • 7.20%

          variable rate

        • 7.37%

          comparison rate

        * Fees and charges are payable

        Show Rates

        Good understanding

          1. Overall customer rating
          2. (Reviewed 4 months ago)

        It is easy to understand and anz are very flexible.       Full review 

        It is easy to understand and anz are very flexible.


          1. Price
          1. Features
          1. Service
          1. Convenience
          1. Trust
        Less
        ANZ Fixed Rate home loan review by Rachel from Western Australia

        Was this review helpful?

        Yes
      • ANZ Fixed Rate *

        • 6.14%

          fixed 1 year rate

        • 6.95%

          comparison rate

        ANZ Equity Manager *

        • 7.20%

          variable rate

        • 7.37%

          comparison rate

        * Fees and charges are payable

        Show Rates

        Good customer service

          1. Overall customer rating
          2. (Reviewed 4 months ago)

        We have a competitive Home Loan, but I still think all banks charge too many fees so that they can make Billions in profit. They do not really care about their customers, just profits!!!!!       Full review 

        We have a competitive Home Loan, but I still think all banks charge too many fees so that they can make Billions in profit. They do not really care about their customers, just profits!!!!!


          1. Price
          1. Features
          1. Service
          1. Convenience
          1. Trust
        Less
        ANZ Fixed Rate home loan review by Stu from Victoria

        Was this review helpful?

        Yes
      • ANZ Fixed Rate *

        • 6.14%

          fixed 1 year rate

        • 6.95%

          comparison rate

        ANZ Equity Manager *

        • 7.20%

          variable rate

        • 7.37%

          comparison rate

        * Fees and charges are payable

        Show Rates

        Needs to improve

          1. Overall customer rating
          2. (Reviewed 4 months ago)

        BALDIVIS branch are closed on a Saturday now. When you do go only two tellers open at a time. Long waits to see someone if it's not about a general inquiry.       Full review 

        BALDIVIS branch are closed on a Saturday now. When you do go only two tellers open at a time. Long waits to see someone if it's not about a general inquiry.


          1. Price
          1. Features
          1. Service
          1. Convenience
          1. Trust
        Less
        ANZ Fixed Rate home loan review by Lauren from Western Australia

        Was this review helpful?

        Yes

    *The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan, based on the loan amount and loan term you entered. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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