Choose the version of this loan that suits you best
Availability | Loan type | LVR | Min loan amount | Max loan amount | |
---|---|---|---|---|---|
|
Owner Occupier | Principal & Interest | < 80% | $20,000 | |
|
Owner Occupier | Principal & Interest | 80%-90% | $20,000 | |
|
Owner Occupier | Interest Only | < 80% | $20,000 | |
|
Owner Occupier | Interest Only | 80%-90% | $20,000 | |
|
Investor | Principal & Interest | < 80% | $20,000 | |
|
Investor | Principal & Interest | 80%-95% | $20,000 | |
|
Investor | Interest Only | < 80% | $20,000 | |
|
Investor | Interest Only | 80%-95% | $20,000 |
The ANZ Fixed Rate home loan offers terms ranging from 1 to 10 years, along with a number of handy features such as free extra repayments (up to an annual limit) and the ability to split your loan between a fixed and variable rate. There are no limits to how much you can borrow, and if you’re short the usual 20% deposit, rest assured that you’ll be able to borrow up to 90% of a property’s value. Additionally, for borrowers with an LVR under 80%, you may be eligible for a $2,000 cashback offer when you refinance.
With the ANZ Fixed Rate home loan, you’ll be able to lock in a rate for as many as 10 years, with interest rates as low as 6.54% p.a. 2-year fixed rate (7.10% p.a. comparison rate*) available on 2-year terms. While lengthier options might seem appealing, the interest rates on terms of 7 years and above are considerably steeper, so ask yourself if you really want to be paying more for much longer.
Repayments can be made weekly, fortnightly or monthly, and you’ll be able to pay down your loan at a quicker pace if you’re able (though annual limits on extra repayments apply). If you’re only locking in your rate for one year, you can also take advantage of an ANZ One offset account, which can help you save on interest if used correctly. Unfortunately, all other fixed rate terms don’t offer this option. This loan also offers a rate lock feature for $750 per $1m lending or part thereof. And for eligible borrowers looking to refinance, there's a $2,000 cashback offer if you have an LVR under 80% (T&Cs apply).
The ANZ Fixed Rate home loan could be a good pick for homebuyers looking for certainty when it comes to repayments. The availability of certain features, such as an offset account and free extra repayments - will also be appreciated, however these come with limits.
Be aware that there is a $160 settlement fee. And as with all loans of this kind, at the end of the fixed rate period your interest rate will revert to a (usually higher) variable rate. In this case, the loan switches to the ANZ Standard Variable home loan.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.69% (7.20%*) |
|
6.54% (7.10%*) |
|
6.59% (7.06%*) |
|
6.74% (7.07%*) |
|
6.84% (7.07%*) |
|
7.49% (7.40%*) |
|
7.49% (7.44%*) |
|
7.24% p.a. |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$20,000 |
|
none |
|
none |
|
80.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to to lesser of 5% of original fixed loan amount, or $5,000 each year |
|
no |
|
no |
|
none |
|
yes |
|
Optional - $10 per month - 1 year fixed term only |
|
none |
|
No monthly fee after end of fixed rate term. Lock your fixed rate for 90 days for a fee of $750 per $1m in lending (or part thereof). |
|
$3,000 cashback for eligible First Home Buyers, $2,000 cashback when you refinance loans of $250k+, apply from 1 Dec 2022, settle within 180 days. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.74% (7.38%*) |
|
6.59% (7.28%*) |
|
6.64% (7.22%*) |
|
6.79% (7.21%*) |
|
6.89% (7.21%*) |
|
7.54% (7.51%*) |
|
7.54% (7.53%*) |
|
7.44% p.a. |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$20,000 |
|
none |
|
80.00% |
|
90.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to to lesser of 5% of original fixed loan amount, or $5,000 each year |
|
no |
|
no |
|
none |
|
yes |
|
Optional - $10 per month - 1 year fixed term only |
|
none |
|
No monthly fee after end of fixed rate term. Lock your fixed rate for 90 days for a fee of $750 per $1m in lending (or part thereof). |
|
$3,000 cashback for eligible First Home Buyers, loans of $250k+, apply from 1 Dec 2022, settle within 180 days. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.99% (7.23%*) |
|
6.84% (7.17%*) |
|
6.79% (7.12%*) |
|
6.94% (7.14%*) |
|
6.99% (7.14%*) |
|
7.49% (7.40%*) |
|
7.49% (7.44%*) |
|
7.24% p.a. |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$20,000 |
|
none |
|
none |
|
80.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to to lesser of 5% of original fixed loan amount, or $5,000 each year |
|
no |
|
no |
|
none |
|
yes |
|
Optional - $10 per month - 1 year fixed term only |
|
none |
|
No monthly fee after end of fixed rate term. Lock your fixed rate for 90 days for a fee of $750 per $1m in lending (or part thereof). |
|
$3,000 cashback for eligible First Home Buyers, $2,000 cashback when you refinance loans of $250k+, apply from 1 Dec 2022, settle within 180 days. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.04% (7.41%*) |
|
6.89% (7.34%*) |
|
6.84% (7.28%*) |
|
6.99% (7.28%*) |
|
7.04% (7.27%*) |
|
7.54% (7.51%*) |
|
7.54% (7.53%*) |
|
7.44% p.a. |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$20,000 |
|
none |
|
80.00% |
|
90.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to to lesser of 5% of original fixed loan amount, or $5,000 each year |
|
no |
|
no |
|
none |
|
yes |
|
Optional - $10 per month - 1 year fixed term only |
|
none |
|
No monthly fee after end of fixed rate term. Lock your fixed rate for 90 days for a fee of $750 per $1m in lending (or part thereof). |
|
$3,000 cashback for eligible First Home Buyers, loans of $250k+, apply from 1 Dec 2022, settle within 180 days. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.89% (7.75%*) |
|
6.69% (7.61%*) |
|
6.69% (7.51%*) |
|
6.94% (7.51%*) |
|
7.04% (7.49%*) |
|
7.49% (7.65%*) |
|
7.49% (7.60%*) |
|
7.84% p.a. |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$20,000 |
|
none |
|
none |
|
80.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to to lesser of 5% of original fixed loan amount, or $5,000 each year |
|
no |
|
no |
|
none |
|
yes |
|
Optional - $10 per month - 1 year fixed term only |
|
none |
|
No monthly fee after end of fixed rate term. Lock your fixed rate for 90 days for a fee of $750 per $1m in lending (or part thereof). |
|
Up to $2,000 cashback for eligible refinances of $250k+ to ANZ. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.94% (7.93%*) |
|
6.74% (7.78%*) |
|
6.74% (7.66%*) |
|
6.99% (7.65%*) |
|
7.09% (7.62%*) |
|
7.54% (7.76%*) |
|
7.54% (7.68%*) |
|
8.04% p.a. |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$20,000 |
|
none |
|
80.00% |
|
95.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to to lesser of 5% of original fixed loan amount, or $5,000 each year |
|
no |
|
no |
|
none |
|
yes |
|
Optional - $10 per month - 1 year fixed term only |
|
none |
|
No monthly fee after end of fixed rate term. Lock your fixed rate for 90 days for a fee of $750 per $1m in lending (or part thereof). |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.99% (7.76%*) |
|
6.74% (7.62%*) |
|
6.74% (7.53%*) |
|
7.04% (7.55%*) |
|
7.14% (7.54%*) |
|
7.49% (7.65%*) |
|
7.49% (7.60%*) |
|
7.84% p.a. |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$20,000 |
|
none |
|
none |
|
80.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to to lesser of 5% of original fixed loan amount, or $5,000 each year |
|
no |
|
no |
|
none |
|
yes |
|
Optional - $10 per month - 1 year fixed term only |
|
none |
|
No monthly fee after end of fixed rate term. Lock your fixed rate for 90 days for a fee of $750 per $1m in lending (or part thereof). |
|
Up to $2,000 cashback for eligible refinances of $250k+ to ANZ. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.04% (7.94%*) |
|
6.79% (7.79%*) |
|
6.79% (7.68%*) |
|
7.09% (7.69%*) |
|
7.19% (7.67%*) |
|
7.54% (7.76%*) |
|
7.54% (7.68%*) |
|
8.04% p.a. |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$20,000 |
|
none |
|
80.00% |
|
95.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to to lesser of 5% of original fixed loan amount, or $5,000 each year |
|
no |
|
no |
|
none |
|
yes |
|
Optional - $10 per month - 1 year fixed term only |
|
none |
|
No monthly fee after end of fixed rate term. Lock your fixed rate for 90 days for a fee of $750 per $1m in lending (or part thereof). |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
Very helpful when needing to update my home loan variable to fix rate. Staff are always helpful when visiting the branch and phone service excellent. Have banked with ANZ since 2017 and will continue with ANZ.
Read full reviewVery helpful when needing to update my home loan variable to fix rate. Staff are always helpful when visiting the branch and phone service excellent. Have banked with ANZ since 2017 and will continue with ANZ.
We refinanced to ANZ and so far are very happy with their customer service , the app is easy to use. So far no problems and can recommend. We also got a pretty competitive interest rate and are happy we made the switch.
Read full reviewWe refinanced to ANZ and so far are very happy with their customer service , the app is easy to use. So far no problems and can recommend. We also got a pretty competitive interest rate and are happy we made the switch.
After 5 weeks of stress, hoops, red tape we applied with Commonwealth bank who had everything done in 4 days. ANZ I have never been more sick to the stomach with anything. Buying a second home with a fully paid off house and 3 incomes for a loan of $250k should NEVER have been that hard. I will NOT consider you again.
Read full reviewAfter 5 weeks of stress, hoops, red tape we applied with Commonwealth bank who had everything done in 4 days. ANZ I have never been more sick to the stomach with anything. Buying a second home with a fully paid off house and 3 incomes for a loan of $250k should NEVER have been that hard. I will NOT consider you again.
Lending manager is so good. Always explains what’s good for us.
Read full reviewLending manager is so good. Always explains what’s good for us.
Pros are, it is a bit bank and been around a long time and can be competitive. Cons are, I believe the big four banks should, because of this, be MORE competitive then any other banks, and they don't pass on their savings enough.
Read full reviewPros are, it is a bit bank and been around a long time and can be competitive. Cons are, I believe the big four banks should, because of this, be MORE competitive then any other banks, and they don't pass on their savings enough.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.