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ANZ Fixed Rate (Breakfree Package)

Advertiser disclosure

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

Fixed 3 year rate
2.09% p.a.
Comparison Rate
3.84% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.04% p.a.
Comparison Rate
3.61% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.04% p.a.
Comparison Rate
3.54% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.09% p.a.
Comparison Rate
3.65% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.09% p.a.
Comparison Rate
3.58% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
3.63% p.a.
Comparison Rate
4.61% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
3.63% p.a.
Comparison Rate
4.40% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
3.63% p.a.
Comparison Rate
4.33% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.49% p.a.
Comparison Rate
4.37% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.44% p.a.
Comparison Rate
4.13% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.44% p.a.
Comparison Rate
4.06% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.49% p.a.
Comparison Rate
4.18% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.49% p.a.
Comparison Rate
4.11% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.64% p.a.
Comparison Rate
4.57% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.64% p.a.
Comparison Rate
4.36% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.64% p.a.
Comparison Rate
4.29% p.a.
Service fee
$395.00 yearly
Upfront fee
$0

Mozo editorial review ANZ Fixed Rate (Breakfree Package)

Last updated: 9 April 2021.

binocular icon
What's hot
  • Fixed rates as low as 2.04% (3.54% 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 icon
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. And because this is a package home loan, there will also be 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 can take full advantage of the package savings offered. 

How about the interest rates? Well ANZ offers borrowers the opportunity to lock in a rate for as little as 1 year or as long as 10 years with the Fixed Rate (Breakfree Package). The rate you'll be able to receive depends on a number of factors though, including the type of borrower you are (owner occupier or investor), the loan type (principal and interest or interest-only repayments), the loan size and your loan-to-value ratio (LVR)

Currently, the lowest rates on offer with the loan are for owner occupiers willing to make principal and interest repayments on a loan of $500,000+ who have an <80% LVR: 

  • 1-year: 2.04% (3.77% comparison rate*)
  • 2-year: 2.04% (3.65% comparison rate*)
  • 3-year: 2.04% (3.54% comparison rate*)
  • 4-year: 2.24% (3.49% comparison rate*)
  • 5-year: 2.24% (3.41% comparison rate*)

In terms of features, you'll be able to make extra repayments (up to a set limit) but as with most fixed rate loans, there is no redraw facility available, so you won't be able to dip back into those funds at a later date. Repayments can also be made on a schedule that suits you, with weekly, fortnightly or monthly options available.

snapshot
Who is it good for

The ANZ Fixed Rate (Breakfree Package) could be an option to consider for borrowers who like the idea of being able to bundle all of their major banking products (home loan, credit card and transaction account) together with the one bank. 

question icon
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 14 April 2021. 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

  • 2.09% (4.13%*)

  • 2.09% (3.98%*)

  • 2.09% (3.84%*)

  • 2.29% (3.77%*)

  • 2.29% (3.67%*)

  • 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
  • $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

  • ANZ has not verified the accuracy of the information displayed in relation to ANZ home loan products, features and product interest rates and is not responsible for any inaccuracies (if any) in the information shown.

  • 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 14 April 2021. 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

  • 2.04% (3.86%*)

  • 2.04% (3.73%*)

  • 2.04% (3.61%*)

  • 2.24% (3.56%*)

  • 2.24% (3.47%*)

  • 7.49% (6.20%*)

  • 7.49% (6.81%*)

  • 3.59% 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

  • ANZ has not verified the accuracy of the information displayed in relation to ANZ home loan products, features and product interest rates and is not responsible for any inaccuracies (if any) in the information shown.

  • 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 14 April 2021. 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

  • 2.04% (3.77%*)

  • 2.04% (3.65%*)

  • 2.04% (3.54%*)

  • 2.24% (3.49%*)

  • 2.24% (3.41%*)

  • 7.49% (6.15%*)

  • 7.49% (6.79%*)

  • 3.49% 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

  • ANZ has not verified the accuracy of the information displayed in relation to ANZ home loan products, features and product interest rates and is not responsible for any inaccuracies (if any) in the information shown.

  • 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 14 April 2021. 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

  • 2.09% (3.90%*)

  • 2.09% (3.77%*)

  • 2.09% (3.65%*)

  • 2.29% (3.61%*)

  • 2.29% (3.52%*)

  • 7.54% (6.25%*)

  • 7.54% (6.87%*)

  • 3.64% 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

  • ANZ has not verified the accuracy of the information displayed in relation to ANZ home loan products, features and product interest rates and is not responsible for any inaccuracies (if any) in the information shown.

  • 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 14 April 2021. 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

  • 2.09% (3.82%*)

  • 2.09% (3.70%*)

  • 2.09% (3.58%*)

  • 2.29% (3.54%*)

  • 2.29% (3.46%*)

  • 7.54% (6.20%*)

  • 7.54% (6.84%*)

  • 3.54% 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

  • ANZ has not verified the accuracy of the information displayed in relation to ANZ home loan products, features and product interest rates and is not responsible for any inaccuracies (if any) in the information shown.

  • 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 14 April 2021. 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

  • 3.73% (4.76%*)

  • 3.43% (4.64%*)

  • 3.63% (4.61%*)

  • 3.83% (4.62%*)

  • 3.83% (4.58%*)

  • 7.49% (6.56%*)

  • 7.49% (7.04%*)

  • 4.44% 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

  • ANZ has not verified the accuracy of the information displayed in relation to ANZ home loan products, features and product interest rates and is not responsible for any inaccuracies (if any) in the information shown.

  • 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 14 April 2021. 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

  • 3.73% (4.50%*)

  • 3.43% (4.41%*)

  • 3.63% (4.40%*)

  • 3.83% (4.43%*)

  • 3.83% (4.41%*)

  • 7.49% (6.43%*)

  • 7.49% (6.96%*)

  • 4.14% 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

  • ANZ has not verified the accuracy of the information displayed in relation to ANZ home loan products, features and product interest rates and is not responsible for any inaccuracies (if any) in the information shown.

  • 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 14 April 2021. 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

  • 3.73% (4.41%*)

  • 3.43% (4.33%*)

  • 3.63% (4.33%*)

  • 3.83% (4.37%*)

  • 3.83% (4.35%*)

  • 7.49% (6.39%*)

  • 7.49% (6.93%*)

  • 4.04% 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

  • ANZ has not verified the accuracy of the information displayed in relation to ANZ home loan products, features and product interest rates and is not responsible for any inaccuracies (if any) in the information shown.

  • 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 14 April 2021. 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

  • 2.59% (4.71%*)

  • 2.49% (4.53%*)

  • 2.49% (4.37%*)

  • 2.99% (4.38%*)

  • 2.99% (4.28%*)

  • 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
  • $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

  • ANZ has not verified the accuracy of the information displayed in relation to ANZ home loan products, features and product interest rates and is not responsible for any inaccuracies (if any) in the information shown.

  • 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 14 April 2021. 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

  • 2.54% (4.43%*)

  • 2.44% (4.59%*)

  • 2.44% (4.13%*)

  • 2.94% (4.17%*)

  • 2.94% (4.08%*)

  • 7.49% (6.45%*)

  • 7.49% (6.97%*)

  • 4.19% 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

  • ANZ has not verified the accuracy of the information displayed in relation to ANZ home loan products, features and product interest rates and is not responsible for any inaccuracies (if any) in the information shown.

  • 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 14 April 2021. 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

  • 2.54% (4.34%*)

  • 2.44% (4.59%*)

  • 2.44% (4.06%*)

  • 2.94% (4.10%*)

  • 2.94% (4.03%*)

  • 7.49% (6.41%*)

  • 7.49% (6.95%*)

  • 4.09% 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

  • ANZ has not verified the accuracy of the information displayed in relation to ANZ home loan products, features and product interest rates and is not responsible for any inaccuracies (if any) in the information shown.

  • 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 14 April 2021. 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

  • 2.59% (4.48%*)

  • 2.49% (4.59%*)

  • 2.49% (4.18%*)

  • 2.99% (4.22%*)

  • 2.99% (4.13%*)

  • 7.54% (6.51%*)

  • 7.54% (7.02%*)

  • 4.24% 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

  • ANZ has not verified the accuracy of the information displayed in relation to ANZ home loan products, features and product interest rates and is not responsible for any inaccuracies (if any) in the information shown.

  • 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 14 April 2021. 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

  • 2.59% (4.39%*)

  • 2.49% (4.59%*)

  • 2.49% (4.11%*)

  • 2.99% (4.15%*)

  • 2.99% (4.07%*)

  • 7.54% (6.46%*)

  • 7.54% (7.00%*)

  • 4.14% 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

  • ANZ has not verified the accuracy of the information displayed in relation to ANZ home loan products, features and product interest rates and is not responsible for any inaccuracies (if any) in the information shown.

  • 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 14 April 2021. 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

  • 2.74% (4.93%*)

  • 2.64% (4.60%*)

  • 2.64% (4.57%*)

  • 3.14% (4.58%*)

  • 3.14% (4.47%*)

  • 7.49% (6.69%*)

  • 7.49% (7.12%*)

  • 4.74% 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

  • ANZ has not verified the accuracy of the information displayed in relation to ANZ home loan products, features and product interest rates and is not responsible for any inaccuracies (if any) in the information shown.

  • 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 14 April 2021. 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

  • 2.74% (4.67%*)

  • 2.64% (4.60%*)

  • 2.64% (4.36%*)

  • 3.14% (4.39%*)

  • 3.14% (4.30%*)

  • 7.49% (6.56%*)

  • 7.49% (7.04%*)

  • 4.44% 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

  • ANZ has not verified the accuracy of the information displayed in relation to ANZ home loan products, features and product interest rates and is not responsible for any inaccuracies (if any) in the information shown.

  • 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 14 April 2021. 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

  • 2.74% (4.58%*)

  • 2.64% (4.60%*)

  • 2.64% (4.29%*)

  • 3.14% (4.33%*)

  • 3.14% (4.25%*)

  • 7.49% (6.52%*)

  • 7.49% (7.01%*)

  • 4.34% 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

  • ANZ has not verified the accuracy of the information displayed in relation to ANZ home loan products, features and product interest rates and is not responsible for any inaccuracies (if any) in the information shown.

  • 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
6.9/10

Based on 4038 ANZ home loan reviews

Price
6.6/10
Features
6.5/10
Customer service
7.0/10
Convenience
7.6/10
Trust
6.7/10

Latest reviews of ANZ Fixed Rate (Breakfree Package)

Thumbnail icon for 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

Thumbnail icon for loans.com.au

loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a. variable

2.47% p.a.

Thumbnail icon for UBank

UBank

UHomeLoan (Fixed)

1.75% p.a.
fixed 3 years

2.22% p.a.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan (Fixed)

2.09% p.a.
fixed 3 years

2.43% p.a.

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

Thumbnail icon for Tic:Toc

Tic:Toc

Fixed Home Loan

1.99% p.a.
fixed 3 years

2.15% p.a.

Thumbnail icon for Homestar

Homestar

Star Gold Home Loan

1.79% p.a. variable

1.84% p.a.

Thumbnail icon for Well Home Loans

Well Home Loans

Well Balanced

2.17% p.a. variable

2.20% p.a.

Thumbnail icon for Bank of Queensland

Bank of Queensland

Fixed Rate

1.94% p.a.
fixed 3 years

2.97% p.a.

Thumbnail icon for loans.com.au

loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a. variable

2.47% p.a.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

Thumbnail icon for Tic:Toc

Tic:Toc

Fixed Home Loan

1.99% p.a.
fixed 3 years

2.15% p.a.

Thumbnail icon for homeloans.com.au

homeloans.com.au

Low Rate Home Loan

2.14% p.a. variable

2.16% p.a.

Thumbnail icon for Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

1.98% p.a.
fixed 3 years

2.72% p.a.

Thumbnail icon for UBank

UBank

UHomeLoan (Fixed)

1.75% p.a.
fixed 3 years

2.22% p.a.

Thumbnail icon for Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

2.94% p.a. variable

3.34% p.a.

Thumbnail icon for loans.com.au

loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a.

2.47% p.a.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan

2.64% p.a.

2.64% p.a.

Thumbnail icon for UBank

UBank

UHomeLoan - Discount Offer

2.34% p.a.

2.34% p.a.

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

2.19% p.a.

2.19% p.a.

Thumbnail icon for homeloans.com.au

homeloans.com.au

Low Rate Home Loan

2.14% p.a.

2.16% p.a.

Thumbnail icon for Suncorp

Suncorp

Back to Basics

2.44% p.a.

2.45% p.a.

Thumbnail icon for Homestar

Homestar

Star Gold Home Loan

1.79% p.a.

1.84% p.a.

Thumbnail icon for Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

2.94% p.a.

3.34% p.a.

Thumbnail icon for loans.com.au

loans.com.au

Fixed Home Loan

1.99% p.a.
fixed 3 years

2.70% p.a.

Thumbnail icon for UBank

UBank

UHomeLoan (Fixed)

1.75% p.a.
fixed 3 years

2.22% p.a.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan (Fixed)

2.09% p.a.
fixed 3 years

2.43% p.a.

Thumbnail icon for Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

1.98% p.a.
fixed 3 years

2.72% p.a.

Thumbnail icon for Homestar

Homestar

Star Classic Fixed Home Loan

n/a

n/a

Thumbnail icon for Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

1.98% p.a.
fixed 3 years

3.56% p.a.

Thumbnail icon for People's Choice Credit Union

People's Choice Credit Union

Fixed Rate Home Loan (Package)

1.89% p.a.
fixed 3 years

3.03% p.a.

Thumbnail icon for Well Home Loans

Well Home Loans

Well Balanced Fixed

2.04% p.a.
fixed 3 years

2.17% 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.