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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 24 October 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 24 October 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 24 October 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 24 October 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 24 October 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 24 October 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 24 October 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 24 October 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 24 October 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 24 October 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 24 October 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 24 October 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 24 October 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 24 October 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 24 October 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 24 October 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
6.9/10

Based on 3981 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 7/10
    Fairly good.

    They are pretty easy to deal with but they have recently closed our local branch and ATM so it is getting to be an inconvenience to do banking required like depositing cheques etc.

    Read full review

    They are pretty easy to deal with but they have recently closed our local branch and ATM so it is getting to be an inconvenience to do banking required like depositing cheques etc.

    Price
    8/10
    Features
    8/10
    Customer service
    6/10
    Convenience
    4/10
    Trust
    9/10
    Less
    Lucinda, South Australia reviewed 6 days ago
  • Overall 3/10
    Poor customer service.

    Very bad customer service when an issue needed to be rectified in setting up our new home loan. We moved banks due to a very good interest rate but noticed that in comparison to the Commonwealth Bank, the ANZ's customer service is non existent.

    Read full review

    Very bad customer service when an issue needed to be rectified in setting up our new home loan. We moved banks due to a very good interest rate but noticed that in comparison to the Commonwealth Bank, the ANZ's customer service is non existent.

    Price
    9/10
    Features
    1/10
    Customer service
    1/10
    Convenience
    5/10
    Trust
    4/10
    Less
    Jennifer, Victoria reviewed 25 days ago
  • 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 5 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 7 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 7 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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loans.com.au

loans.com.au

Smart Home Loan

2.48% p.a. variable

2.50% p.a.

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HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

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Athena

Athena

AcceleRATES Variable Home Loan

2.34% p.a. variable

2.34% p.a.

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Macquarie

Macquarie

Offset Home Loan (Package)

2.54% p.a. variable

2.81% p.a.

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UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a. variable

2.49% p.a.

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.29% p.a. variable

2.32% p.a.

Promoted

Suncorp

Suncorp

Back to Basics

2.68% p.a. variable

2.69% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.59% p.a. variable

2.76% p.a.

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.48% p.a. variable

2.50% 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

2.34% p.a. variable

2.34% p.a.

Promoted

Macquarie

Macquarie

Offset Home Loan (Package)

2.54% p.a. variable

2.81% p.a.

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a. variable

2.49% p.a.

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.29% p.a. variable

2.32% p.a.

Promoted

Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.28% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.59% p.a. variable

2.76% p.a.

Promoted

Macquarie

Macquarie

Offset Home Loan (Package)

2.54% p.a.

2.81% p.a.

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.48% p.a.

2.50% p.a.

Promoted

HSBC

HSBC

Home Value Loan

2.59% p.a.

2.60% p.a.

Promoted

Athena

Athena

AcceleRATES Variable Home Loan

2.34% p.a.

2.34% p.a.

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.29% p.a.

2.32% p.a.

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a.

2.49% p.a.

Promoted

Suncorp

Suncorp

Back to Basics

2.68% p.a.

2.69% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.59% p.a.

2.76% p.a.

Promoted

loans.com.au

loans.com.au

Fixed Home Loan

n/a

n/a

Promoted

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Promoted

Homestar

Homestar

Star Classic Fixed Home Loan

2.06% p.a.
fixed 3 years

2.38% p.a.

Promoted

UBank

UBank

UHomeLoan (1 Year Fixed)

n/a

n/a

Promoted

Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.28% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.25% p.a.
fixed 3 years

3.41% p.a.

Promoted

IMB Bank

IMB Bank

Fixed Home Loan

2.39% p.a.
fixed 3 years

3.08% p.a.

Promoted

AMP Bank

AMP Bank

Fixed Rate Loan (Professional Package)

2.49% p.a.
fixed 3 years

3.07% 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.