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ANZ Fixed Rate (Breakfree Package)

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
2.29% p.a.
Comparison Rate*
3.89% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.29% p.a.
Comparison Rate*
3.67% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.29% p.a.
Comparison Rate*
3.60% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.29% p.a.
Comparison Rate*
3.70% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.29% p.a.
Comparison Rate*
3.63% 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: 22 May 2020.

binocular icon
What's hot
  • 2 year fixed rate as low as 2.29% (4.02% 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 2.39% (4.16% comparison rate*) for 1 year, 2.29% (4.02% comparison rate*) for 2 years, 2.29% (3.89% comparison rate) for 3 years, 2.69% (3.90% comparison rate*) for 4 years and 2.69% (3.82% 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.

snapshot
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 15 August 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

  • 2.39% (4.16%*)

  • 2.29% (4.02%*)

  • 2.29% (3.89%*)

  • 2.69% (3.90%*)

  • 2.69% (3.82%*)

  • 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

  • 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 15 August 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

  • 2.39% (3.89%*)

  • 2.29% (3.77%*)

  • 2.29% (3.67%*)

  • 2.69% (3.70%*)

  • 2.69% (3.64%*)

  • 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

  • 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 15 August 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

  • 2.39% (3.80%*)

  • 2.29% (3.69%*)

  • 2.29% (3.60%*)

  • 2.69% (3.64%*)

  • 2.69% (3.58%*)

  • 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

  • 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 15 August 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

  • 2.39% (3.93%*)

  • 2.29% (3.81%*)

  • 2.29% (3.70%*)

  • 2.69% (3.73%*)

  • 2.69% (3.67%*)

  • 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

  • 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 15 August 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

  • 2.39% (3.84%*)

  • 2.29% (3.73%*)

  • 2.29% (3.63%*)

  • 2.69% (3.67%*)

  • 2.69% (3.61%*)

  • 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

  • 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 15 August 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
  • $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 15 August 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% (4.50%*)

  • 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

  • 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 15 August 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% (4.41%*)

  • 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

  • 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 15 August 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

  • 2.59% (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

  • 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 15 August 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

  • 2.59% (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

  • 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 15 August 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

  • 2.59% (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

  • 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 15 August 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

  • 2.59% (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

  • 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 15 August 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

  • 2.59% (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

  • 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 15 August 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

  • 2.79% (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

  • 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 15 August 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

  • 2.79% (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

  • 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 15 August 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

  • 2.79% (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

  • 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 3970 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)

  • Overall 6/10
    Average customer service.

    No offset facility.

    Read full review

    No offset facility.

    Price
    5/10
    Features
    5/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    8/10
    Less
    Eric, New South Wales reviewed 2 months ago
  • Overall 8/10
    Good customer service.

    ANZ does not have the lowest home loan rate but it does provide good customer service.

    Read full review

    ANZ does not have the lowest home loan rate but it does provide good customer service.

    Price
    7/10
    Features
    6/10
    Customer service
    9/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Lisa, New South Wales reviewed 4 months ago
  • Overall 10/10
    Simple and competitive.

    Simple and competitive, and always convenient.

    Read full review

    Simple and competitive, and always convenient.

    Price
    9/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Bonnie, South Australia reviewed 5 months ago
  • Overall 5/10
    Not the best value home loan on the market.

    A pretty easy home loan package. The only downfall is that there is a credit card linked to the home loan package which doesn't have any benefits such as earning points.

    Read full review

    A pretty easy home loan package. The only downfall is that there is a credit card linked to the home loan package which doesn't have any benefits such as earning points.

    Price
    4/10
    Features
    5/10
    Customer service
    8/10
    Convenience
    6/10
    Trust
    6/10
    Less
    Renae, New South Wales reviewed 5 months ago
  • 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 6 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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ING

ING

Mortgage Simplifier

2.59% p.a. variable

2.62% p.a.

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Macquarie

Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.60% p.a.

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loans.com.au

loans.com.au

Smart Booster Discount Variable Home Loan

1.99% p.a.variable for 12 months and then 2.57% p.a. variable

2.55% p.a.

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UBank

UBank

UHomeLoan (Fixed)

2.14% p.a.
fixed 3 years

2.41% p.a.

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.29% p.a. variable

2.32% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.35% p.a.
fixed 3 years

3.44% p.a.

Promoted

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Promoted

Athena

Athena

AcceleRATES Variable Home Loan

2.54% p.a. variableApply now to get this rate from 30 Sep

2.46% p.a.Apply now to get this rate from 30 Sep

Promoted

ING

ING

Mortgage Simplifier

2.59% p.a. variable

2.62% p.a.

Promoted

Macquarie

Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.60% p.a.

Promoted

loans.com.au

loans.com.au

Smart Booster Discount Variable Home Loan

1.99% p.a.variable for 12 months and then 2.57% p.a. variable

2.55% p.a.

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a. variable

2.49% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.69% p.a. variable

2.86% p.a.

Promoted

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Promoted

Athena

Athena

AcceleRATES Variable Home Loan

2.94% p.a. variableApply now to get this rate from 30 Sep

2.87% p.a.Apply now to get this rate from 30 Sep

Promoted

ING

ING

Fixed Rate Loan (Owner Occupiers with Orange Advantage)

2.34% p.a.
fixed 3 years

3.67% p.a.

Promoted

ING

ING

Mortgage Simplifier

2.59% p.a.

2.62% p.a.

Promoted

Macquarie

Macquarie

Basic Home Loan

2.74% p.a.

2.74% p.a.

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.57% p.a.

2.59% p.a.

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a.

2.49% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.69% p.a.

2.86% p.a.

Promoted

HSBC

HSBC

Home Value Loan

2.65% p.a.

2.66% p.a.

Promoted

Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

2.59% p.a.

2.63% p.a.

Promoted

ING

ING

Orange Advantage (Package)

2.64% p.a.

2.98% p.a.

Promoted

ING

ING

Fixed Rate Loan (Owner Occupiers with Orange Advantage)

2.34% p.a.
fixed 3 years

3.67% p.a.

Promoted

Macquarie

Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.60% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.35% p.a.
fixed 3 years

3.44% p.a.

Promoted

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

2.39% p.a.
fixed 3 years

3.66% p.a.

Promoted

Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.31% p.a.

Promoted

Homestar

Homestar

Star Essentials Fixed Home Loan

n/a

n/a

Promoted

Qudos Bank

Qudos Bank

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.82% 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.