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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 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

  • 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

Fixed 3 year rate
2.04% p.a.
Comparison Rate
3.18% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.09% p.a.
Comparison Rate
3.33% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
3.63% p.a.
Comparison Rate
3.57% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
3.68% p.a.
Comparison Rate
3.58% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.44% p.a.
Comparison Rate
3.71% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.49% p.a.
Comparison Rate
3.86% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.64% p.a.
Comparison Rate
3.76% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.69% p.a.
Comparison Rate
3.91% p.a.
Service fee
$395.00 yearly
Upfront fee
$0

Mozo editorial review ANZ Fixed Rate (Breakfree Package) - last updated: 11 June 2021

binocular icon
What's hot
  • Fixed rates as low as 1.94% (3.24% comparison rate*)
  • Free extra repayments (capped)
  • No upfront fees
What's not
  • No redraw facility
  • $395 annual service fee
Mozo snapshot

If you're after a fixed rate loan from a Big Bank and also want to also save on some of your everyday banking products like transactions accounts and credit cards at the same time, then the ANZ Fixed Rate (Breakfree Package) could be a home loan worth considering. 

key icon
Key features

The ANZ Fixed Rate Breakfree Package has no loan application fee or any of the usual upfront costs like legal, settlement or valuation fees. And because this is a package home loan, there will also be no account fee on your transaction account (saving 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: 

  • 1-year: 2.04% (3.33% comparison rate*)
  • 2-year: 1.94% (3.24% comparison rate*)
  • 3-year: 2.04% (3.18% comparison rate*)
  • 4-year: 2.49% (3.26% comparison rate*)
  • 5-year: 2.69% (3.30% comparison rate*)

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

snapshot
Who is it good for

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

question icon
Any catches

Just keep an eye on the end date of the fixed loan period and, when it comes time, compare the variable revert rate with similar offers on the market to ensure that it's still competitive. 

Details

Rates and fees information correct as at 18 October 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.04% (3.33%*)

1.94% (3.24%*)

2.04% (3.18%*)

2.49% (3.26%*)

2.69% (3.30%*)

7.49% (5.93%*)

7.49% (6.65%*)

2.99% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$160.00

Other financial bits

$150,000

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 18 October 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% (3.51%*)

1.99% (3.40%*)

2.09% (3.33%*)

2.54% (3.40%*)

2.74% (3.43%*)

7.54% (6.05%*)

7.54% (6.75%*)

3.19% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$160.00

Other financial bits

$150,000

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 18 October 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

3.73% (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.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$160.00

Other financial bits

$150,000

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 18 October 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% (3.48%*)

3.48% (3.50%*)

3.68% (3.58%*)

3.83% (3.69%*)

3.83% (3.74%*)

7.49% (5.93%*)

7.49% (6.65%*)

2.99% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$160.00

Other financial bits

$150,000

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 18 October 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.54% (3.90%*)

2.29% (3.77%*)

2.44% (3.71%*)

2.94% (3.78%*)

2.94% (3.74%*)

7.49% (6.20%*)

7.49% (6.81%*)

3.59% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$160.00

Other financial bits

$150,000

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 18 October 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% (4.08%*)

2.34% (3.94%*)

2.49% (3.86%*)

2.99% (3.93%*)

2.99% (3.87%*)

7.54% (6.31%*)

7.54% (6.91%*)

3.79% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$160.00

Other financial bits

$150,000

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 18 October 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.74% (3.92%*)

2.49% (3.80%*)

2.64% (3.76%*)

3.14% (3.85%*)

3.14% (3.82%*)

7.49% (6.20%*)

7.49% (6.81%*)

3.59% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$160.00

Other financial bits

$150,000

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 18 October 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% (4.10%*)

2.54% (3.97%*)

2.69% (3.91%*)

3.14% (3.98%*)

3.19% (3.95%*)

7.54% (6.31%*)

7.54% (6.91%*)

3.79% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$160.00

Other financial bits

$150,000

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.

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Based on 4059 ANZ home loan reviews

Latest reviews of ANZ Fixed Rate (Breakfree Package) Home Loan

About ANZ

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.