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 $699,999 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $700,000 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 $699,999 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan of at least $700,000 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 $699,999

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $700,000

  • 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 $699,999

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $700,000

  • 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

2.88% p.a.

4.32% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

2.88% p.a.

4.32% p.a.

$395.00 yearly

2.88% p.a.

4.10% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

2.88% p.a.

4.10% p.a.

$395.00 yearly

2.88% p.a.

4.03% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

2.88% p.a.

4.03% p.a.

$395.00 yearly

2.88% p.a.

4.14% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

2.88% p.a.

4.14% p.a.

$395.00 yearly

2.88% p.a.

4.07% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

2.88% p.a.

4.07% p.a.

$395.00 yearly

3.68% p.a.

4.91% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.68% p.a.

4.91% p.a.

$395.00 yearly

3.68% p.a.

4.70% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.68% p.a.

4.70% p.a.

$395.00 yearly

3.68% p.a.

4.63% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.68% p.a.

4.63% p.a.

$395.00 yearly

3.08% p.a.

4.80% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.08% p.a.

4.80% p.a.

$395.00 yearly

3.08% p.a.

4.58% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.08% p.a.

4.58% p.a.

$395.00 yearly

3.08% p.a.

4.51% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.08% p.a.

4.51% p.a.

$395.00 yearly

3.08% p.a.

4.61% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.08% p.a.

4.61% p.a.

$395.00 yearly

3.08% p.a.

4.54% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.08% p.a.

4.54% p.a.

$395.00 yearly

3.18% p.a.

5.06% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.18% p.a.

5.06% p.a.

$395.00 yearly

3.18% p.a.

4.85% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.18% p.a.

4.85% p.a.

$395.00 yearly

3.18% p.a.

4.78% p.a.

$395.00 yearly

ANZ Fixed Rate (Breakfree Package)

3.18% p.a.

4.78% p.a.

$395.00 yearly

Mozo Review   ANZ Fixed Rate (Breakfree Package) Review

Last updated: 21 February 2020.

What's hot:
  • 2 year fixed rate as low as 2.68% (4.40% comparison rate*)

  • Free extra repayments (capped)

  • No upfront fees

What's not:
  • No redraw facility

  • $395 annual service fee

Mozo snapshot:

If you're after a fixed rate loan from a Big Bank and also 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 home loan worth considering. 

Key features:

The ANZ Fixed Rate Breakfree package has no loan application fee, or any of the usual upfront costs like legal, settlement or valuation fees. There is also 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). Just bear in mind that you will pay a $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 2.98% (4.57% comparison rate*) for 1 year, 2.68% (4.40% comparison rate*) for 2 years, 2.88% (4.32% comparison rate) for 3 years, 3.08% (4.29% comparison rate*) for 4 years and 3.08% (4.20% comparison rate*) for 5 years. 

Investment

By comparison, the rates are slightly higher if you are an investor, with 3.18% fixed rate (5.11% comparison rate*) for 1 year, 2.88% (4.91% comparison rate*) for 2 years, 3.08% (4.80% comparison rate*) for 3 years, 3.28% (4.73% comparison rate*) for 4 years, and 3.28% (4.62% comparison rate*) for 5 years. 

Who it's good for:

The ANZ Fixed Rate (Breakfree Package) could be a great option for borrowers who 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.

Any catches?

Just keep an eye on the end date of the fixed loan period and, when it comes time, compare the variable revert rate with similar offers on the market to ensure that it's still competitive. 

Details

Rates and fees information correct as at 24 February 2020. 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

  • 2.98% (4.57%*)

  • 2.68% (4.39%*)

  • 2.88% (4.32%*)

  • 3.08% (4.29%*)

  • 3.08% (4.20%*)

  • 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

  • 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 24 February 2020. 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

  • 2.98% (4.29%*)

  • 2.68% (4.15%*)

  • 2.88% (4.10%*)

  • 3.08% (4.09%*)

  • 3.08% (4.02%*)

  • 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

  • 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 24 February 2020. 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

  • 2.98% (4.21%*)

  • 2.68% (4.08%*)

  • 2.88% (4.03%*)

  • 3.08% (4.02%*)

  • 3.08% (3.97%*)

  • 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

  • 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 24 February 2020. 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

  • 2.98% (4.34%*)

  • 2.68% (4.19%*)

  • 2.88% (4.14%*)

  • 3.08% (4.12%*)

  • 3.08% (4.05%*)

  • 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

  • $699,999

  • 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

  • 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 24 February 2020. 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

  • 2.98% (4.25%*)

  • 2.68% (4.11%*)

  • 2.88% (4.07%*)

  • 3.08% (4.05%*)

  • 3.08% (3.99%*)

  • 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
  • $700,000

  • 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

  • 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 24 February 2020. 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

  • 3.78% (5.12%*)

  • 3.48% (4.97%*)

  • 3.68% (4.91%*)

  • 3.88% (4.89%*)

  • 3.88% (4.82%*)

  • 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

  • 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 24 February 2020. 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

  • 3.78% (4.85%*)

  • 3.48% (4.73%*)

  • 3.68% (4.70%*)

  • 3.88% (4.70%*)

  • 3.88% (4.66%*)

  • 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

  • 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 24 February 2020. 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

  • 3.78% (4.76%*)

  • 3.48% (4.65%*)

  • 3.68% (4.63%*)

  • 3.88% (4.64%*)

  • 3.88% (4.60%*)

  • 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

  • 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 24 February 2020. 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

  • 3.18% (5.11%*)

  • 2.88% (4.91%*)

  • 3.08% (4.80%*)

  • 3.28% (4.73%*)

  • 3.28% (4.62%*)

  • 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

  • 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 24 February 2020. 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

  • 3.18% (4.84%*)

  • 2.88% (4.66%*)

  • 3.08% (4.58%*)

  • 3.28% (4.53%*)

  • 3.28% (4.44%*)

  • 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

  • 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 24 February 2020. 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

  • 3.18% (4.75%*)

  • 2.88% (4.59%*)

  • 3.08% (4.51%*)

  • 3.28% (4.47%*)

  • 3.28% (4.39%*)

  • 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

  • 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 24 February 2020. 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

  • 3.18% (4.88%*)

  • 2.88% (4.70%*)

  • 3.08% (4.61%*)

  • 3.28% (4.56%*)

  • 3.28% (4.47%*)

  • 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

  • $699,999

  • 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

  • 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 24 February 2020. 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

  • 3.18% (4.80%*)

  • 2.88% (4.62%*)

  • 3.08% (4.54%*)

  • 3.28% (4.50%*)

  • 3.28% (4.42%*)

  • 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
  • $700,000

  • 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

  • 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 24 February 2020. 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% (5.42%*)

  • 2.98% (5.19%*)

  • 3.18% (5.06%*)

  • 3.38% (4.98%*)

  • 3.38% (4.85%*)

  • 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

  • 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 24 February 2020. 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% (5.16%*)

  • 2.98% (4.96%*)

  • 3.18% (4.85%*)

  • 3.38% (4.79%*)

  • 3.38% (4.68%*)

  • 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

  • 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 24 February 2020. 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% (5.07%*)

  • 2.98% (4.88%*)

  • 3.18% (4.78%*)

  • 3.38% (4.72%*)

  • 3.38% (4.62%*)

  • 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

  • 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 3924 ANZ home loan reviews

Price
6.6/10
Features
6.4/10
Customer service
7.0/10
Convenience
7.6/10
Trust
6.7/10

Latest reviews of ANZ Fixed Rate (Breakfree Package)

  • Overall 9/10
    Good overall, wish process time can be improved.

    Had a great experience with ANZ. I've been with ANZ for many years, convenient, good customer service. However, I recently applied for a home loan and the process is very slow. It's been more than 2 months.

    Read full review

    Had a great experience with ANZ. I've been with ANZ for many years, convenient, good customer service. However, I recently applied for a home loan and the process is very slow. It's been more than 2 months.

    Price
    8/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Kay, New South Wales reviewed 3 days ago
  • Overall 8/10
    Competitive.

    Our local bank gives us great service.

    Read full review

    Our local bank gives us great service.

    Price
    7/10
    Features
    7/10
    Customer service
    7/10
    Convenience
    7/10
    Trust
    8/10
    Less
    Natalie, South Australia reviewed 11 days ago
  • Overall 4/10
    Good.

    Good service.

    Read full review

    Good service.

    Price
    -1/10
    Features
    -1/10
    Customer service
    -1/10
    Convenience
    -1/10
    Trust
    -1/10
    Less
    Rachel, New South Wales reviewed 14 days ago
  • Overall 0/10
    No value for money.

    A terrible product that I was signed up to by a greedy mortgage broker. Does not represent value for money. High annual fee, a high-interest rate on mortgage and credit card. Steer clear. Near impossible to escape from.

    Read full review

    A terrible product that I was signed up to by a greedy mortgage broker. Does not represent value for money. High annual fee, a high-interest rate on mortgage and credit card. Steer clear. Near impossible to escape from.

    Price
    0/10
    Features
    0/10
    Customer service
    -1/10
    Convenience
    0/10
    Trust
    0/10
    Less
    Adam, Victoria reviewed about 2 months ago
  • Overall 8/10
    Happy with them.

    Long term customer and I am satisfied with their service.

    Read full review

    Long term customer and I am satisfied with their service.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    7/10
    Trust
    10/10
    Less
    Sharon, South Australia reviewed 2 months 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

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Smart Home Loan

2.78% p.a. variable

2.80% p.a.

$520

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UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a. variable

2.84% p.a.

$0

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Athena

Athena

Home Loan (Refinance)

2.84% p.a. variable

2.80% p.a.

$0

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ING

ING

Mortgage Simplifier

3.03% p.a. variable

3.06% p.a.

$299

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Bank of Queensland

Bank of Queensland

Fixed Rate

2.79% p.a.
fixed 3 years

3.67% p.a.

$450

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Homestar

Homestar

Star Essentials Home Loan

2.74% p.a. variable

2.77% p.a.

$512

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loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a. variable

2.90% p.a.

$520

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Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

3.19% p.a. variable

3.23% p.a.

$0

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.78% p.a. variable

2.80% p.a.

$520

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a. variable

2.84% p.a.

$0

Promoted

Athena

Athena

Home Loan (Refinance)

2.84% p.a. variable

2.80% p.a.

$0

Promoted

Homestar

Homestar

Star Gold Home Loan

2.69% p.a. variable

2.72% p.a.

$512

Promoted

ING

ING

Mortgage Simplifier

3.03% p.a. variable

3.06% p.a.

$299

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a. variable

2.90% p.a.

$520

Promoted

Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

3.19% p.a. variable

3.23% p.a.

$0

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.74% p.a. variable

2.77% p.a.

$512

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

Athena

Athena

Home Loan (Refinance)

2.84% p.a.

2.80% p.a.

$0

Promoted

ING

ING

Mortgage Simplifier

3.03% p.a.

3.06% p.a.

$299

Promoted

Homestar

Homestar

Star Gold Home Loan

2.69% p.a.

2.72% p.a.

$512

Promoted

Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

3.19% p.a.

3.23% p.a.

$0

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.78% p.a.

2.80% p.a.

$520

Promoted

ING

ING

Orange Advantage (Package)

3.08% p.a.

3.42% p.a.

$299

Promoted

ING

ING

Fixed Rate Loan

2.94% p.a.
fixed 3 years

4.01% p.a.

$798

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.79% p.a.
fixed 3 years

3.67% p.a.

$450

Promoted

loans.com.au

loans.com.au

Fixed Home Loan

2.99% p.a.
fixed 3 years

3.27% p.a.

$520

Promoted

Qudos Bank

Qudos Bank

Fixed Rate Home Loan

2.89% p.a.
fixed 3 years

3.23% p.a.

$0

Promoted

UBank

UBank

UHomeLoan (Fixed)

2.84% p.a.
fixed 3 years

3.59% p.a.

$395

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

2.89% p.a.
fixed 3 years

3.96% p.a.

$0

Promoted

loans.com.au

loans.com.au

Fixed Home Loan

3.79% p.a.
fixed 3 years

3.47% p.a.

$520

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.79% p.a.
fixed 3 years

3.67% p.a.

$450

*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.