ANZ Fixed Rate (Breakfree Package)

This product is available in different versions. Pick the right version for you here.

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $249,999 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan between $250,000 and $499,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $500,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $250,000 and $499,999 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $500,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a interest only loan between $150,000 and $249,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $250,000 and $499,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan of at least $500,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $249,999 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan between $250,000 and $499,999 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $500,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $250,000 and $499,999 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan of at least $500,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $150,000 and $249,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $250,000 and $499,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan of at least $500,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 90%

    Loan: $150,000 $249,999

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $250,000 $499,999

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $500,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $250,000 $499,999

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $500,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $150,000 $249,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $250,000 $499,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $500,000

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $150,000 $249,999

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $250,000 $499,999

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $500,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $250,000 $499,999

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $500,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $150,000 $249,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $250,000 $499,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $500,000

2.98% p.a.

4.35% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

2.98% p.a.

4.35% p.a.

$395.00 yearly

2.98% p.a.

4.13% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

2.98% p.a.

4.13% p.a.

$395.00 yearly

2.98% p.a.

4.06% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

2.98% p.a.

4.06% p.a.

$395.00 yearly

2.98% p.a.

4.16% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

2.98% p.a.

4.16% p.a.

$395.00 yearly

2.98% p.a.

4.09% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

2.98% p.a.

4.09% p.a.

$395.00 yearly

3.69% p.a.

4.91% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.69% p.a.

4.91% p.a.

$395.00 yearly

3.69% p.a.

4.70% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.69% p.a.

4.70% p.a.

$395.00 yearly

3.69% p.a.

4.63% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.69% p.a.

4.63% p.a.

$395.00 yearly

3.29% p.a.

4.85% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.29% p.a.

4.85% p.a.

$395.00 yearly

3.29% p.a.

4.63% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.29% p.a.

4.63% p.a.

$395.00 yearly

3.29% p.a.

4.56% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.29% p.a.

4.56% p.a.

$395.00 yearly

3.29% p.a.

4.67% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.29% p.a.

4.67% p.a.

$395.00 yearly

3.29% p.a.

4.60% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.29% p.a.

4.60% p.a.

$395.00 yearly

3.49% p.a.

5.14% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.49% p.a.

5.14% p.a.

$395.00 yearly

3.49% p.a.

4.93% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.49% p.a.

4.93% p.a.

$395.00 yearly

3.49% p.a.

4.86% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.49% p.a.

4.86% p.a.

$395.00 yearly

Mozo Review   ANZ Fixed Rate (Breakfree Package) Review

Last updated: 21 October 2019.

What's hot:
  • Up to $3,500 cashback for refinancers (conditions apply)

  • No upfront fees

  • Free extra repayments (capped)

What's not:
  • No redraw facility

Mozo snapshot:

If you're after a fixed rate loan from a Big Bank and want to also save on some of your everyday banking products like transactions accounts and credit cards at the same time, then the ANZ Fixed Rate (Breakfree Package) could be a great home loan to consider. Plus, you can score cashback on your home loan by applying to refinance your existing home loan with ANZ before 31 January 2020.

Key features:

The ANZ Fixed Rate Breakfree package has no loan application fee, or usual upfront fees like legal, settlement or valuation fees. These include no account fee on your transaction account (saving of $5 a month) and no annual fee on the ANZ Frequent Flyer Platinum Card, a saving of $295. But you will pay an $395 annual package fee for the life of the loan so make sure that you also take advantage of the flexible features to make the most of the savings offered. 

You can make extra repayments up to a set limit but as with all fixed rate loans there isn't the ability to redraw if you need the funds at a later date. There isn't a maximum loan amount with the Breakfree fixed package and you can borrow up to 90% LVR.

While the ANZ Breakfree Package gives you a 0.15% p.a. discount off the standard ANZ fixed rates for terms 1,2,4 and 5 years, there are different fixed rates for owner occupiers vs investors.

Owner Occupier

If you call the property home, with the ANZ Breakfree Package you will receive a competitive 3.28% (4.60% comparison rate*) for 1 year, 2.98% (4.45% comparison rate*) for 2 years, 2.98% (4.35% comparison rate) for 3 years, 3.53% (4.43% comparison rate*) for 4 years and 3.53% (4.38% comparison rate*) for 5 years. 

Investment

By comparison, the rates are slightly higher if you are an investor, with 3.69% fixed rate (5.16% comparison rate*) for 1 year, 3.29% (4.98% comparison rate*) for 2 years, 3.29% (4.85% comparison rate*) for 3 years, 3.94% (4.89% comparison rate*) for 4 years, and 3.94% (4.89% comparison rate*) for 5 years. 

And last but certainly not least, if you're refinancing your existing home loan and apply with ANZ before 31 January 2020 (and settle by 30 April 2020), you can score cashback on your mortgage! The amount will depend on the size of your loan - here's how it breaks down:

• A home loan of $150,000 to $249,999 could receive $1,200 cashback
• A home loan of $250,000 to $699,999 could receive $2,500 cashback
• A home loan of $700,000+ could receive $3,500 cashback

Not too shabby!
Who it's good for:

Borrowers that want simplified banking by bundling all of their major banking products - home loan, credit card and transaction account - with the one bank and want to stick to one of the major 4 players.  also great for refinancers looking to grab a cashback deal!

Any catches?

Just keep an eye on the end date of the fixed loan period and compare to make sure that the variable rate revert rate is competitive with other loans on the market for the same features.

Details

Rates and fees information correct as at 13 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.28% (4.60%*)

  • 2.98% (4.45%*)

  • 2.98% (4.35%*)

  • 3.53% (4.43%*)

  • 3.53% (4.38%*)

  • 7.54% (6.53%*)

  • 7.54% (7.04%*)

  • 4.29% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to annual limit

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • 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.

Details

Rates and fees information correct as at 13 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.28% (4.32%*)

  • 2.98% (4.21%*)

  • 2.98% (4.13%*)

  • 3.53% (4.23%*)

  • 3.53% (4.20%*)

  • 7.54% (6.40%*)

  • 7.54% (6.96%*)

  • 3.99% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $250,000

  • $499,999

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to annual limit

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • 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.

Details

Rates and fees information correct as at 13 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.28% (4.23%*)

  • 2.98% (4.45%*)

  • 2.98% (4.06%*)

  • 3.53% (4.17%*)

  • 3.53% (4.14%*)

  • 7.54% (6.36%*)

  • 7.54% (6.93%*)

  • 3.89% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $500,000

  • none

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to annual limit

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • 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.

Details

Rates and fees information correct as at 13 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.28% (4.37%*)

  • 2.98% (4.25%*)

  • 2.98% (4.16%*)

  • 3.53% (4.27%*)

  • 3.53% (4.23%*)

  • 7.54% (6.42%*)

  • 7.54% (6.97%*)

  • 4.04% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $250,000

  • $499,999

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to annual limit

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • 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.

Details

Rates and fees information correct as at 13 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.28% (4.28%*)

  • 2.98% (4.17%*)

  • 2.98% (4.09%*)

  • 3.53% (4.20%*)

  • 3.53% (4.17%*)

  • 7.54% (6.38%*)

  • 7.54% (6.95%*)

  • 3.94% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $500,000

  • none

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to annual limit

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • 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.

Details

Rates and fees information correct as at 13 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.89% (5.13%*)

  • 3.69% (5.01%*)

  • 3.69% (4.91%*)

  • 4.14% (4.98%*)

  • 4.14% (4.93%*)

  • 7.54% (6.76%*)

  • 7.54% (7.18%*)

  • 4.84% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to annual limit

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • 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.

Details

Rates and fees information correct as at 13 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.89% (4.86%*)

  • 3.69% (4.77%*)

  • 3.69% (4.70%*)

  • 4.14% (4.79%*)

  • 4.14% (4.76%*)

  • 7.54% (6.63%*)

  • 7.54% (7.10%*)

  • 4.54% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $250,000

  • $499,999

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to annual limit

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • 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.

Details

Rates and fees information correct as at 13 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.89% (4.78%*)

  • 3.69% (4.69%*)

  • 3.69% (4.63%*)

  • 4.14% (4.73%*)

  • 4.14% (4.70%*)

  • 7.54% (6.59%*)

  • 7.54% (7.08%*)

  • 4.44% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $500,000

  • none

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to annual limit

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • 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.

Details

Rates and fees information correct as at 13 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.69% (5.16%*)

  • 3.29% (4.98%*)

  • 3.29% (4.85%*)

  • 3.94% (4.95%*)

  • 3.94% (4.89%*)

  • 7.54% (6.78%*)

  • 7.54% (7.19%*)

  • 4.89% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to annual limit

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • 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.

Details

Rates and fees information correct as at 13 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.69% (4.89%*)

  • 3.29% (4.74%*)

  • 3.29% (4.63%*)

  • 3.94% (4.75%*)

  • 3.94% (4.71%*)

  • 7.54% (6.66%*)

  • 7.54% (7.12%*)

  • 4.59% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $250,000

  • $499,999

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to annual limit

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • 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.

Details

Rates and fees information correct as at 13 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.69% (4.80%*)

  • 3.29% (4.66%*)

  • 3.29% (4.56%*)

  • 3.94% (4.69%*)

  • 3.94% (4.65%*)

  • 7.54% (6.61%*)

  • 7.54% (7.09%*)

  • 4.49% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $500,000

  • none

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to annual limit

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • 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.

Details

Rates and fees information correct as at 13 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.69% (4.93%*)

  • 3.29% (4.78%*)

  • 3.29% (4.67%*)

  • 3.94% (4.78%*)

  • 3.94% (4.74%*)

  • 7.54% (6.68%*)

  • 7.54% (7.13%*)

  • 4.64% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $250,000

  • $499,999

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to annual limit

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • 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.

Details

Rates and fees information correct as at 13 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.69% (4.84%*)

  • 3.29% (4.70%*)

  • 3.29% (4.60%*)

  • 3.94% (4.72%*)

  • 3.94% (4.68%*)

  • 7.54% (6.63%*)

  • 7.54% (7.10%*)

  • 4.54% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $500,000

  • none

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to annual limit

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • 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.

Details

Rates and fees information correct as at 13 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.99% (5.49%*)

  • 3.49% (5.29%*)

  • 3.49% (5.14%*)

  • 4.24% (5.27%*)

  • 4.24% (5.20%*)

  • 7.54% (6.93%*)

  • 7.54% (7.29%*)

  • 5.24% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to annual limit

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • 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.

Details

Rates and fees information correct as at 13 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.99% (5.23%*)

  • 3.49% (5.05%*)

  • 3.49% (4.93%*)

  • 4.24% (5.08%*)

  • 4.24% (5.03%*)

  • 7.54% (6.80%*)

  • 7.54% (7.21%*)

  • 4.94% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $250,000

  • $499,999

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to annual limit

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • 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.

Details

Rates and fees information correct as at 13 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.99% (5.14%*)

  • 3.49% (4.97%*)

  • 3.49% (4.86%*)

  • 4.24% (5.01%*)

  • 4.24% (4.97%*)

  • 7.54% (6.76%*)

  • 7.54% (7.18%*)

  • 4.84% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $500,000

  • none

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to annual limit

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • 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.

Customer Reviews

How are ANZ home loans rated by the Mozo community?

Overall customer rating
6.9/10

Based on 3872 ANZ home loan reviews

Price
6.6/10
Features
6.4/10
Customer service
6.9/10
Convenience
7.6/10
Trust
6.7/10

Latest reviews of ANZ Fixed Rate (Breakfree Package)

  • Overall
    7/10
    Most competitive rates at time of taking out loan.

    The initial process was a bit of a joke really. Two weeks to get an interview to sign up for a...

    The initial process was a bit of a joke really. Two weeks to get an interview to sign up for a loan. Had to go into bank to make an appointment and then come back for the interview. Seemed overly interested in selling insurance to us.

    Price
    10/10
    Features
    8/10
    Customer service
    6/10
    Convenience
    5/10
    Trust
    8/10

    Gary | Queensland

    reviewed 14 days ago

  • Overall
    7/10
    fantastic customer service/product knowledge

    I love, love, love my bank manager she is the best. I appreciate the time she spends with me (one...

    I love, love, love my bank manager she is the best. I appreciate the time she spends with me (one on one) explaining different products/policies and researching the pros and cons to find what is the best loan/s for my lifestyle.

    Price
    6/10
    Features
    7/10
    Customer service
    9/10
    Convenience
    5/10
    Trust
    9/10

    Leesa | Queensland

    reviewed over 1 year ago

  • Overall
    7/10
    Thanks

    I'm happy with ANZ.

    I'm happy with ANZ.

    Price
    8/10
    Features
    7/10
    Customer service
    7/10
    Convenience
    8/10
    Trust
    6/10

    Cheryl | New South Wales

    reviewed over 1 year ago

  • Overall
    7/10
    Pretty happy with it

    I like the break free package and the ability to have all our financial products together through...

    I like the break free package and the ability to have all our financial products together through same provider.

    Price
    8/10
    Features
    6/10
    Customer service
    6/10
    Convenience
    9/10
    Trust
    5/10

    Natalie | Western Australia

    reviewed over 1 year ago

  • Overall
    5/10
    It’s always good for me

    It's always good for me but their interest rates are high

    It's always good for me but their interest rates are high

    Price
    5/10
    Features
    5/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    7/10

    Lois | Western Australia

    reviewed almost 2 years ago

ANZ

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 App, it's easier to do banking on the go.

See ANZ home loans

Promoted

ANZ

ANZ

Simplicity PLUS

3.24% p.a.

3.28% p.a.

$0.00

Promoted

ANZ

ANZ

Standard Variable Rate

4.79% p.a.

4.89% p.a.

$5.00 monthly

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a. variable

2.90% p.a.

$520

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a. variable

2.84% p.a.

$0

Promoted

ANZ

ANZ

Simplicity PLUS

3.24% p.a. variable

3.28% p.a.

$0

Promoted

Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.89% p.a.
fixed 3 years

3.70% p.a.

$0

Promoted

Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

3.19% p.a. variable

3.23% p.a.

$0

Promoted

Reduce Home Loans

Reduce Home Loans

Rate Buster High Lend Variable

2.77% p.a. variable

2.78% p.a.

$0

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.99% p.a.
fixed 3 years

3.72% p.a.

$450

Promoted

Queensland Country Credit Union

Queensland Country Credit Union

RateSaver (Fixed)

3.49% p.a.
fixed 3 years

3.90% p.a.

$500

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a. variable

2.90% p.a.

$520

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a. variable

2.84% p.a.

$0

Promoted

ANZ

ANZ

Simplicity PLUS

3.24% p.a. variable

3.28% p.a.

$0

Promoted

Suncorp

Suncorp

Back to Basics

3.03% p.a. variable

3.04% p.a.

$0

Promoted

Reduce Home Loans

Reduce Home Loans

Rate Buster High Lend Variable

2.77% p.a. variable

2.78% p.a.

$0

Promoted

Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

3.19% p.a. variable

3.23% p.a.

$0

Promoted

Queensland Country Credit Union

Queensland Country Credit Union

RateSaver (Fixed)

3.49% p.a.
fixed 3 years

3.90% p.a.

$500

Promoted

CUA

CUA

Achieve Variable Home Loan

3.20% p.a. variable

3.25% p.a.

$835

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a. variable

2.90% p.a.

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a. variable

2.84% p.a.

Promoted

Reduce Home Loans

Reduce Home Loans

Rate Buster High Lend Variable

2.77% p.a. variable

2.78% p.a.

Promoted

Suncorp

Suncorp

Back to Basics

3.03% p.a. variable

3.04% p.a.

Promoted

ANZ

ANZ

Simplicity PLUS

3.24% p.a. variable

3.28% p.a.

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a.

2.84% p.a.

$0

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a.

2.90% p.a.

$520

Promoted

ANZ

ANZ

Simplicity PLUS

3.24% p.a.

3.28% p.a.

$0

Promoted

Suncorp

Suncorp

Back to Basics

3.03% p.a.

3.04% p.a.

$0

Promoted

Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

3.19% p.a.

3.23% p.a.

$0

Promoted

Reduce Home Loans

Reduce Home Loans

Rate Buster High Lend Variable

2.77% p.a.

2.78% p.a.

$0

Promoted

CUA

CUA

Achieve Variable Home Loan

3.20% p.a.

3.25% p.a.

$835

Promoted

Tic:Toc

Tic:Toc

Variable Home Loan

2.84% p.a.

2.85% p.a.

$0

Promoted

UBank

UBank

UHomeLoan (Fixed)

2.69% p.a.
fixed 3 years

3.19% p.a.

$395

Promoted

loans.com.au

loans.com.au

Fixed Home Loan

2.99% p.a.
fixed 3 years

3.27% p.a.

$520

Promoted

Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.89% p.a.
fixed 3 years

3.70% p.a.

$0

Promoted

ANZ

ANZ

Fixed Rate (Breakfree Package)

2.98% p.a.
fixed 3 years

4.06% p.a.

$0

Promoted

Queensland Country Credit Union

Queensland Country Credit Union

RateSaver (Fixed)

3.49% p.a.
fixed 3 years

3.90% p.a.

$500

Promoted

IMB Bank

IMB Bank

Fixed Home Loan

2.84% p.a.
fixed 3 years

3.44% p.a.

$799

Promoted

UBank

UBank

UHomeLoan (1 Year Fixed)

n/a

n/a

$395

Promoted

CUA

CUA

Fixed Rate Loan

2.98% p.a.
fixed 3 years

4.29% p.a.

$835

*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.