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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
2.09% p.a.
Comparison Rate
3.62% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.09% p.a.
Comparison Rate
3.55% 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
3.68% p.a.
Comparison Rate
4.63% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
3.68% p.a.
Comparison Rate
4.41% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
3.68% p.a.
Comparison Rate
4.34% 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
2.49% p.a.
Comparison Rate
4.15% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.49% p.a.
Comparison Rate
4.07% 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
2.69% p.a.
Comparison Rate
4.59% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.69% p.a.
Comparison Rate
4.37% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.69% p.a.
Comparison Rate
4.30% p.a.
Service fee
$395.00 yearly
Upfront fee
$0

Mozo editorial review ANZ Fixed Rate (Breakfree Package)

Last updated: 5 November 2020.

binocular icon
What's hot
  • 2 year fixed rate as low as 2.09% (3.98% 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. 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 2.09% (4.13% comparison rate*) for 1 year, 2.09% (3.98% comparison rate*) for 2 years, 2.09% (3.84% comparison rate) for 3 years, 2.29% (3.77% comparison rate*) for 4 years and 2.29% (3.67% comparison rate*) for 5 years. 

Investment

By comparison, the rates are slightly higher if you are an investor, with 2.59% fixed rate (4.71% comparison rate*) for 1 year, 2.49% (4.53% comparison rate*) for 2 years, 2.49% (4.37% comparison rate*) for 3 years, 2.99% (4.38% comparison rate*) for 4 years, and 2.99% (4.28% comparison rate*) for 5 years. 

snapshot
Who is it 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.

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 22 January 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 22 January 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% (3.86%*)

  • 2.09% (3.74%*)

  • 2.09% (3.62%*)

  • 2.29% (3.57%*)

  • 2.29% (3.49%*)

  • 7.54% (6.23%*)

  • 7.54% (6.85%*)

  • 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 22 January 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% (3.77%*)

  • 2.09% (3.66%*)

  • 2.09% (3.55%*)

  • 2.29% (3.51%*)

  • 2.29% (3.43%*)

  • 7.54% (6.18%*)

  • 7.54% (6.83%*)

  • 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 22 January 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 22 January 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 22 January 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

  • 3.78% (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
  • $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 22 January 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

  • 3.78% (4.50%*)

  • 3.48% (4.42%*)

  • 3.68% (4.41%*)

  • 3.88% (4.45%*)

  • 3.88% (4.43%*)

  • 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
  • $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 22 January 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

  • 3.78% (4.41%*)

  • 3.48% (4.34%*)

  • 3.68% (4.34%*)

  • 3.88% (4.38%*)

  • 3.88% (4.37%*)

  • 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
  • $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 22 January 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 22 January 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% (4.43%*)

  • 2.49% (4.59%*)

  • 2.49% (4.15%*)

  • 2.99% (4.18%*)

  • 2.99% (4.10%*)

  • 7.54% (6.48%*)

  • 7.54% (7.01%*)

  • 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 22 January 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% (4.35%*)

  • 2.49% (4.59%*)

  • 2.49% (4.07%*)

  • 2.99% (4.12%*)

  • 2.99% (4.05%*)

  • 7.54% (6.44%*)

  • 7.54% (6.98%*)

  • 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 22 January 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 22 January 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 22 January 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

  • 2.79% (4.94%*)

  • 2.69% (4.60%*)

  • 2.69% (4.59%*)

  • 3.19% (4.60%*)

  • 3.19% (4.49%*)

  • 7.54% (6.72%*)

  • 7.54% (7.16%*)

  • 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 22 January 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

  • 2.79% (4.67%*)

  • 2.69% (4.60%*)

  • 2.69% (4.37%*)

  • 3.19% (4.41%*)

  • 3.19% (4.32%*)

  • 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
  • $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 22 January 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

  • 2.79% (4.58%*)

  • 2.69% (4.60%*)

  • 2.69% (4.30%*)

  • 3.19% (4.34%*)

  • 3.19% (4.27%*)

  • 7.54% (6.55%*)

  • 7.54% (7.05%*)

  • 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 4020 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 - Discount Offer

2.34% p.a. variable

2.34% p.a.

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

Thumbnail icon for Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

2.04% p.a.
fixed 3 years

2.73% 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 Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

1.99% p.a.
fixed 3 years

2.90% p.a.

Thumbnail icon for Bank of Queensland

Bank of Queensland

Fixed Rate

2.09% p.a.
fixed 3 years

3.01% p.a.

Thumbnail icon for 86 400

86 400

Neat Home Loan

2.19% p.a. variable

2.20% 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 UBank

UBank

UHomeLoan (Fixed)

1.95% p.a.
fixed 3 years

2.27% p.a.

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

Thumbnail icon for Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

2.04% p.a.
fixed 3 years

2.73% 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 86 400

86 400

Neat Home Loan

2.19% p.a. variable

2.20% p.a.

Thumbnail icon for Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

1.99% p.a.
fixed 3 years

2.90% 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 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 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 Macquarie

Macquarie

Basic Home Loan

2.64% p.a.

2.64% p.a.

Thumbnail icon for 86 400

86 400

Neat Home Loan

2.19% p.a.

2.20% p.a.

Thumbnail icon for Well Home Loans

Well Home Loans

Well Balanced

2.17% p.a.

2.20% p.a.

Thumbnail icon for People's Choice Credit Union

People's Choice Credit Union

Basic Variable Home Loan

2.49% p.a.

2.49% p.a.

Thumbnail icon for Suncorp

Suncorp

Back to Basics

2.54% p.a.

2.55% 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)

1.95% p.a.
fixed 3 years

2.27% p.a.

Thumbnail icon for Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

2.04% p.a.
fixed 3 years

2.73% p.a.

Thumbnail icon for People's Choice Credit Union

People's Choice Credit Union

Fixed Rate Home Loan (Package)

1.99% p.a.
fixed 3 years

3.64% 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 Well Home Loans

Well Home Loans

Well Balanced Fixed

2.04% p.a.
fixed 3 years

2.17% p.a.

Thumbnail icon for Bank of Queensland

Bank of Queensland

Fixed Rate

2.09% p.a.
fixed 3 years

3.01% p.a.

Thumbnail icon for Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.19% p.a.
fixed 3 years

3.03% 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.