7.1/10

Based on 28540 ANZ product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.

ANZ home loans

ANZ is one of the largest banking groups in Australia and New Zealand, with a history that stretches back over 175 years. As one of Australia’s big 4 banks, it has a range of home loans that cater to every borrowing need from first home buyers, investors and everyone in between.

On this page you can compare all of ANZ’s home loans including variable, fixed and line of credit home loans to find what’s best for your needs. If you’d like to compare ANZ home loans against other lenders, head on over to our home loans section where we list the latest rates and home loan offers in the market.

What home loans do ANZ offer?

Rates and fees verified as correct at 5 October 2024. Other information correct at the time of writing. Advertiser disclosure.

Fixed Rate Home Loans

ANZ has an extensive range of fixed loan terms ranging from 1 year up to 10 years with a choice of interest only or principal and interest repayments. Your payment cycle can be timed to suit you with the option of weekly, fortnightly or monthly repayments. The 1 year fixed rate loan has an optional mortgage offset account and with all ANZ fixed rate loans you can make extra repayments up to a set amount each year. There is an application fee and monthly fee to consider with all ANZ fixed rate home loans.

Home loan repayments calculator

years

Product Fixed 3 year rate Comparison Rate Service fee Upfront fee Monthly repayments  

6.79% p.a.

7.12% p.a.

$0.00

$160

6.84% p.a.

7.28% p.a.

$0.00

$160

6.59% p.a.

7.06% p.a.

$0.00

$160

6.64% p.a.

7.22% p.a.

$0.00

$160

6.74% p.a.

7.53% p.a.

$0.00

$160

6.79% p.a.

7.68% p.a.

$0.00

$160

6.69% p.a.

7.51% p.a.

$0.00

$160

6.74% p.a.

7.66% p.a.

$0.00

$160

Variable Rate Home Loans

Looking for flexibility in a home loan? ANZ offers two variable home loans: a basic variable rate for loans starting from $50,000 and a standard variable rate loan for amounts over $20,000. If you are an existing ANZ customer you can borrow up to 95% of the property’s value but if you are a new customer the maximum LVR is 90%. Flexibility with an ANZ variable rate home loan comes in the form of money saving features such as a fee-free extra repayments facility and an offset account, but keep in mind there is a monthly service fee (with the standard variable option) that you’ll have to budget for. Meanwhile the ANZ Simplicity PLUS option doesn't have an offset account but it comes with zero ongoing fees and also gives borrowers the ability to take a repayment holiday. For both home loans, if you need to free up funds later on, you can use the ANZ redraw facility to dip into any extra repayments you've made. 

Home loan repayments calculator

years

Product Rate Comparison Rate Service fee Upfront fee Monthly repayments

6.59% p.a.

6.59% p.a.

$0.00

$160

6.64% p.a.

6.64% p.a.

$0.00

$160

7.64% p.a.

7.64% p.a.

$0.00

$160

6.54% p.a.

6.54% p.a.

$0.00

$160

7.24% p.a.

7.24% p.a.

$0.00

$160

7.79% p.a.

7.80% p.a.

$0.00

$160

7.24% p.a.

7.25% p.a.

$0.00

$160

7.44% p.a.

7.45% p.a.

$0.00

$160

7.99% p.a.

7.99% p.a.

$0.00

$160

7.09% p.a.

6.90% p.a.

$0.00

$160

7.19% p.a.

7.00% p.a.

$0.00

$160

7.79% p.a.

7.71% p.a.

$0.00

$160

7.98% p.a.

7.99% p.a.

$0.00

$160

7.04% p.a.

6.85% p.a.

$0.00

$160

6.74% p.a.

6.74% p.a.

$0.00

$160

6.84% p.a.

6.84% p.a.

$0.00

$160

7.64% p.a.

7.64% p.a.

$0.00

$160

6.69% p.a.

6.69% p.a.

$0.00

$160

8.09% p.a.

8.10% p.a.

$0.00

$160

8.29% p.a.

8.30% p.a.

$0.00

$160

7.84% p.a.

7.85% p.a.

$0.00

$160

8.04% p.a.

8.05% p.a.

$0.00

$160

ANZ home loan features in a glance

Repayment Icon

Repayment options

Most of ANZ’s home loans have very flexible repayment options where you can choose to pay off your home loan on a weekly, fortnightly or monthly basis.

Rate icon

Interest only

You could opt for an interest only payment option with an ANZ home loan, should you need to free up extra cash for other commitments.

Repayment Icon

Additional repayments

ANZ’s variable home loans allow you to make unlimited extra repayments without penalty so you can pay off your loan faster and reduce your interest payments over the term of your loan. The fixed rate option also comes with the flexibility of an extra repayments facility, allowing you to make additional payments up to a set amount each year of the fixed rate period.

Rate icon

Ability to split

For borrowers who want the best of both worlds, ANZ’s home loans come with the option of splitting your loan between a fixed and variable rate. Not only will you have the security of a fixed rate but you can access all the benefits of a variable rate such as repayment flexibility and an offset account (if eligible).

Deposit icon

Locked in rate

If you want extra assurance against any interest rate rises during your settlement period, you can opt to lock in a rate with ANZ’s fixed home loan on loan amounts from $20,000 and fixed for 1 to 10 years.

How are ANZ home loans rated?

Mozo users have rated ANZ home loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-loans
ANZ home loans customer reviews
Overall
6.9/10
Price
6.6/10
Features
6.4/10
Customer service
6.9/10
Convenience
7.6/10
Trust
6.7/10
Based on 4140 ANZ product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent ANZ home loan reviews

ANZ Home Loan
Overall 3/10
Great customer service - poor rates

The customer service is great however, I find most banks are when they are trying to obtain your business. I don't find ANZ home loan rates compatible nor do they proactively contact long term customers with an offer of reducing home rates.

Read full review

The customer service is great however, I find most banks are when they are trying to obtain your business. I don't find ANZ home loan rates compatible nor do they proactively contact long term customers with an offer of reducing home rates.

Price
1/10
Features
3/10
Customer service
9/10
Convenience
10/10
Trust
3/10
Less
Kim, Victoria, reviewed about 1 month ago
ANZ Standard Variable Rate Home Loan
Overall 8/10
Totally recommend ANZ for the customer care.

ANZ have provided my wife and I a secure and solid bank loan which we have had for over 25 years. We used a redraw facility to finance home improvements and travel and the ease of transaction to fund these large investments was seamless! Interest rates have never been over burdening and I have recommended ANZ to family and friends and to anyone who needs advice. As our current loan draws to an end, the lure of further lending is ever present , but we feel no pressure due to our faith in the institution that has helped us achieve our goals whilst raising three great kids.

Read full review

ANZ have provided my wife and I a secure and solid bank loan which we have had for over 25 years. We used a redraw facility to finance home improvements and travel and the ease of transaction to fund these large investments was seamless! Interest rates have never been over burdening and I have recommended ANZ to family and friends and to anyone who needs advice. As our current loan draws to an end, the lure of further lending is ever present , but we feel no pressure due to our faith in the institution that has helped us achieve our goals whilst raising three great kids.

Price
8/10
Features
8/10
Customer service
8/10
Convenience
8/10
Trust
8/10
Less
Michael, South Australia, reviewed about 1 month ago
ANZ Home Loan
Overall 9/10
ANZ’s home loans: top rates, standout service.

I recently secured a mortgage with ANZ Bank, and I'm impressed with their home loan product. ANZ offers a range of home loan options tailored to meet various needs, from first-time home buyers to seasoned investors.The competitive interest rates provided by ANZ are one of the key highlights. They offer flexible loan terms and competitive rates that make managing repayments easier and more affordable. The loan options come with features such as offset accounts, which can help reduce the amount of interest paid over the life of the loan.Customer service is another area where ANZ excels. Their team is knowledgeable and supportive, guiding you through every step of the mortgage process. Whether it's clarifying loan terms, assisting with paperwork, or providing advice on managing your mortgage, their support is comprehensive and responsive.Overall, ANZ’s home loan product stands out for its competitive rates and excellent customer service. If you’re considering a mortgage, ANZ is definitely worth exploring

Read full review

I recently secured a mortgage with ANZ Bank, and I'm impressed with their home loan product. ANZ offers a range of home loan options tailored to meet various needs, from first-time home buyers to seasoned investors.The competitive interest rates provided by ANZ are one of the key highlights. They offer flexible loan terms and competitive rates that make managing repayments easier and more affordable. The loan options come with features such as offset accounts, which can help reduce the amount of interest paid over the life of the loan.Customer service is another area where ANZ excels. Their team is knowledgeable and supportive, guiding you through every step of the mortgage process. Whether it's clarifying loan terms, assisting with paperwork, or providing advice on managing your mortgage, their support is comprehensive and responsive.Overall, ANZ’s home loan product stands out for its competitive rates and excellent customer service. If you’re considering a mortgage, ANZ is definitely worth exploring

Price
6/10
Features
7/10
Customer service
7/10
Convenience
10/10
Trust
10/10
Less
Pravin, Victoria, reviewed about 1 month ago
ANZ Home Loan
Overall 10/10
I'd defiantly recommend ANZ!

ANZ have been fabulous helping me out, by freezing my mortgage payments while I recover from breast cancer.

Read full review

ANZ have been fabulous helping me out, by freezing my mortgage payments while I recover from breast cancer.

Price
10/10
Features
8/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Olivia, Victoria, reviewed about 2 months ago
ANZ Simplicity PLUS
Overall 3/10
No branches left

Closed all but 1 walk in teller branches which is a disgrace in a city with more than 120k residents

Read full review

Closed all but 1 walk in teller branches which is a disgrace in a city with more than 120k residents

Price
4/10
Features
10/10
Customer service
1/10
Convenience
1/10
Trust
8/10
Less
Annette, Victoria, reviewed about 2 months ago

What do you need to apply for a ANZ home loan?

You can apply online for an ANZ home loan or make an appointment with an ANZ home loan specialist but you’ll need to have these details and documentation at the ready:

Home loan quick links