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.
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| 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 |
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.
Compare 25+ lenders with our trusted partner, Lendi.
Talk to one of their experienced home loan specialists by answering a few questions online.
| 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 |
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.
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.
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.
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).
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.
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.
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 reviewThe 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.
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 reviewANZ 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.
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 reviewI 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
ANZ have been fabulous helping me out, by freezing my mortgage payments while I recover from breast cancer.
Read full reviewANZ have been fabulous helping me out, by freezing my mortgage payments while I recover from breast cancer.
Closed all but 1 walk in teller branches which is a disgrace in a city with more than 120k residents
Read full reviewClosed all but 1 walk in teller branches which is a disgrace in a city with more than 120k residents
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: