The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 90%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 80% | $150,000 | |
| | Owner Occupier | Principal & Interest | 80%-90% | $150,000 | |
| | Owner Occupier | Interest Only | < 80% | $150,000 | |
| | Owner Occupier | Interest Only | 80%-90% | $150,000 | |
| | Investor | Principal & Interest | < 80% | $150,000 | |
| | Investor | Principal & Interest | 80%-90% | $150,000 | |
| | Investor | Interest Only | < 80% | $150,000 | |
| | Investor | Interest Only | 80%-90% | $150,000 |
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $150,000
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan: $150,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $150,000
Owner Occupier (Interest Only)
LVR 80%-90%
Loan: $150,000
Investor (Principal & Interest)
LVR < 80%
Loan: $150,000
Investor (Principal & Interest)
LVR 80%-90%
Loan: $150,000
Investor (Interest Only)
LVR < 80%
Loan: $150,000
Investor (Interest Only)
LVR 80%-90%
Loan: $150,000
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.
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 you $5 a month) and no annual fee on the ANZ Frequent Flyer Platinum Card (saving you $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.
ANZ offers borrowers the opportunity to lock in a rate for as little as 1 year or as long as 10 years. 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), and your loan-to-value ratio (LVR).
Currently, the lowest rates on offer with the loan are for owner occupiers making principal and interest repayments on a loan with an <80% LVR:
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.
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.
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.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.29% (3.36%*) | |
| 2.39% (3.32%*) | |
| 2.79% (3.37%*) | |
| 2.99% (3.42%*) | |
| 3.19% (3.50%*) | |
| 7.49% (5.93%*) | |
| 7.49% (6.65%*) | |
| 2.99% p.a. |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $395.00 yearly | |
| $160.00 |
| $150,000 | |
| none | |
| none | |
| 80.00% |
| 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.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.34% (3.53%*) | |
| 2.44% (3.48%*) | |
| 2.84% (3.52%*) | |
| 3.04% (3.56%*) | |
| 3.24% (3.63%*) | |
| 7.54% (6.05%*) | |
| 7.54% (6.75%*) | |
| 3.19% p.a. |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $395.00 yearly | |
| $160.00 |
| $150,000 | |
| none | |
| 80.00% | |
| 90.00% |
| 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.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 3.73% (3.48%*) | |
| 3.43% (3.49%*) | |
| 3.63% (3.57%*) | |
| 3.83% (3.69%*) | |
| 3.83% (3.74%*) | |
| 7.49% (5.93%*) | |
| 7.49% (6.65%*) | |
| 2.99% p.a. |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $395.00 yearly | |
| $160.00 |
| $150,000 | |
| none | |
| none | |
| 80.00% |
| 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.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 3.78% (3.66%*) | |
| 3.48% (3.66%*) | |
| 3.68% (3.73%*) | |
| 3.83% (3.82%*) | |
| 3.83% (3.86%*) | |
| 7.49% (6.02%*) | |
| 7.49% (6.71%*) | |
| 3.19% p.a. |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $395.00 yearly | |
| $160.00 |
| $150,000 | |
| none | |
| 80.00% | |
| 90.00% |
| 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.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.59% (3.91%*) | |
| 2.69% (3.84%*) | |
| 2.99% (3.84%*) | |
| 3.19% (3.86%*) | |
| 3.39% (3.92%*) | |
| 7.49% (6.20%*) | |
| 7.49% (6.81%*) | |
| 3.59% p.a. |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $395.00 yearly | |
| $160.00 |
| $150,000 | |
| none | |
| none | |
| 80.00% |
| 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.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.64% (4.09%*) | |
| 2.74% (4.01%*) | |
| 3.04% (4.00%*) | |
| 3.24% (4.01%*) | |
| 3.44% (4.05%*) | |
| 7.54% (6.31%*) | |
| 7.54% (6.91%*) | |
| 3.79% p.a. |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $395.00 yearly | |
| $160.00 |
| $150,000 | |
| none | |
| 80.00% | |
| 90.00% |
| 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.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.79% (3.92%*) | |
| 2.89% (3.87%*) | |
| 3.19% (3.89%*) | |
| 3.39% (3.93%*) | |
| 3.59% (4.00%*) | |
| 7.49% (6.20%*) | |
| 7.49% (6.81%*) | |
| 3.59% p.a. |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $395.00 yearly | |
| $160.00 |
| $150,000 | |
| none | |
| none | |
| 80.00% |
| 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.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.84% (4.10%*) | |
| 2.94% (4.04%*) | |
| 3.24% (4.05%*) | |
| 3.39% (4.06%*) | |
| 3.64% (4.13%*) | |
| 7.54% (6.31%*) | |
| 7.54% (6.91%*) | |
| 3.79% p.a. |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $395.00 yearly | |
| $160.00 |
| $150,000 | |
| none | |
| 80.00% | |
| 90.00% |
| 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.
ANZ is a great bank and very helpful when contacting them.
Read full reviewANZ is a great bank and very helpful when contacting them.
The bank is great but the insurance service us terrible.
Read full reviewThe bank is great but the insurance service us terrible.
I like the bank because they have always been easy to deal with. It's easy to combine all of my products together. However I did not like the last experience I had in re-fixing my loan as the assistant branch manager was quite pushy in signing up to other products but was confusing herself with information that I had to correct her on. I think at the moment, there are many other banks offering better deals on home loans.
Read full reviewI like the bank because they have always been easy to deal with. It's easy to combine all of my products together. However I did not like the last experience I had in re-fixing my loan as the assistant branch manager was quite pushy in signing up to other products but was confusing herself with information that I had to correct her on. I think at the moment, there are many other banks offering better deals on home loans.
I have grown up with my family using ANZ and I have continued with them. We are known by name and feel comfortable talking to members of staff either in person or via phone/email. For years we have been loyal due to this ease and they are open to answer any questions/concerns and help you when needed.
Read full reviewI have grown up with my family using ANZ and I have continued with them. We are known by name and feel comfortable talking to members of staff either in person or via phone/email. For years we have been loyal due to this ease and they are open to answer any questions/concerns and help you when needed.
As a single mother this was the only bank that would give me a go buying my own home. I reccommend them to everyone.
Read full reviewAs a single mother this was the only bank that would give me a go buying my own home. I reccommend them to everyone.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a. variable
2.21% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.34% p.a.
fixed 3 years
3.61% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a. variable
2.21% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.34% p.a.
fixed 3 years
3.61% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a.
2.21% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.34% p.a.
fixed 3 years
3.61% p.a.
Bank of Queensland
Fixed Rate
2.79% p.a.
fixed 3 years
3.18% p.a.
Qudos Bank
Fixed Rate Home Loan
2.49% p.a.
fixed 3 years
2.49% 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.
