The details shown below are for an owner occupier taking out a principal & interest loan of at least $20,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $20,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a interest only loan of at least $20,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan of at least $20,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan of at least $20,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $20,000 with an LVR below 95%
The details shown below are for an investor taking out a interest only loan of at least $20,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan of at least $20,000 with an LVR below 95%

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% $20,000
Owner Occupier Principal & Interest 80%-90% $20,000
Owner Occupier Interest Only < 80% $20,000
Owner Occupier Interest Only 80%-90% $20,000
Investor Principal & Interest < 80% $20,000
Investor Principal & Interest 80%-95% $20,000
Investor Interest Only < 80% $20,000
Investor Interest Only 80%-95% $20,000
  • Owner Occupier (Principal & Interest)
    LVR < 80%
    Loan: $20,000
  • Owner Occupier (Principal & Interest)
    LVR 80%-90%
    Loan: $20,000
  • Owner Occupier (Interest Only)
    LVR < 80%
    Loan: $20,000
  • Owner Occupier (Interest Only)
    LVR 80%-90%
    Loan: $20,000
  • Investor (Principal & Interest)
    LVR < 80%
    Loan: $20,000
  • Investor (Principal & Interest)
    LVR 80%-95%
    Loan: $20,000
  • Investor (Interest Only)
    LVR < 80%
    Loan: $20,000
  • Investor (Interest Only)
    LVR 80%-95%
    Loan: $20,000
Fixed 3 year rate
6.59% p.a.
Comparison Rate
7.06% p.a.
Service fee
$0.00
Upfront fee
$160
Talk to a broker
Fixed 3 year rate
6.64% p.a.
Comparison Rate
7.22% p.a.
Service fee
$0.00
Upfront fee
$160
Fixed 3 year rate
6.79% p.a.
Comparison Rate
7.12% p.a.
Service fee
$0.00
Upfront fee
$160
Fixed 3 year rate
6.84% p.a.
Comparison Rate
7.28% p.a.
Service fee
$0.00
Upfront fee
$160
Fixed 3 year rate
6.69% p.a.
Comparison Rate
7.51% p.a.
Service fee
$0.00
Upfront fee
$160
Fixed 3 year rate
6.74% p.a.
Comparison Rate
7.66% p.a.
Service fee
$0.00
Upfront fee
$160
Fixed 3 year rate
6.74% p.a.
Comparison Rate
7.53% p.a.
Service fee
$0.00
Upfront fee
$160
Fixed 3 year rate
6.79% p.a.
Comparison Rate
7.68% p.a.
Service fee
$0.00
Upfront fee
$160

Mozo editorial review ANZ Fixed Rate - last updated: 17 November 2023

binocular icon
What's hot
  • 6.54% p.a. 2-year fixed rate (7.10% p.a. comparison rate*)
  • Offset account available on 1-year terms
  • No application or service fees
  • $2,000 cashback offer (T&Cs apply)
What's not
  • $160 Settlement fee
Mozo snapshot

The ANZ Fixed Rate home loan offers terms ranging from 1 to 10 years, along with a number of handy features such as free extra repayments (up to an annual limit) and the ability to split your loan between a fixed and variable rate. There are no limits to how much you can borrow, and if you’re short the usual 20% deposit, rest assured that you’ll be able to borrow up to 90% of a property’s value. Additionally, for borrowers with an LVR under 80%, you may be eligible for a $2,000 cashback offer when you refinance.

key icon
Key features

With the ANZ Fixed Rate home loan, you’ll be able to lock in a rate for as many as 10 years, with interest rates as low as 6.54% p.a. 2-year fixed rate (7.10% p.a. comparison rate*) available on 2-year terms. While lengthier options might seem appealing, the interest rates on terms of 7 years and above are considerably steeper, so ask yourself if you really want to be paying more for much longer.

Repayments can be made weekly, fortnightly or monthly, and you’ll be able to pay down your loan at a quicker pace if you’re able (though annual limits on extra repayments apply). If you’re only locking in your rate for one year, you can also take advantage of an ANZ One offset account, which can help you save on interest if used correctly. Unfortunately, all other fixed rate terms don’t offer this option. This loan also offers a rate lock feature for $750 per $1m lending or part thereof.  And for eligible borrowers looking to refinance, there's a $2,000 cashback offer if you have an LVR under 80% (T&Cs apply).

snapshot
Who is it good for

The ANZ Fixed Rate home loan could be a good pick for homebuyers looking for certainty when it comes to repayments. The availability of certain features, such as an offset account and free extra repayments - will also be appreciated, however these come with limits.

question icon
Any catches

Be aware that there is a $160 settlement fee. And as with all loans of this kind, at the end of the fixed rate period your interest rate will revert to a (usually higher) variable rate. In this case, the loan switches to the ANZ Standard Variable home loan.

Details

Rates and fees information correct as at 28 May 2024. 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

6.69% (7.20%*)

6.54% (7.10%*)

6.59% (7.06%*)

6.74% (7.07%*)

6.84% (7.07%*)

7.49% (7.40%*)

7.49% (7.44%*)

7.24% p.a.

Fees

$0.00

n/a

n/a

$160.00

n/a

$0.00

$160.00

Other financial bits

$20,000

none

none

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to to lesser of 5% of original fixed loan amount, or $5,000 each year

no

no

none

yes

Optional - $10 per month - 1 year fixed term only

none

No monthly fee after end of fixed rate term. Lock your fixed rate for 90 days for a fee of $750 per $1m in lending (or part thereof).

$3,000 cashback for eligible First Home Buyers, $2,000 cashback when you refinance loans of $250k+, apply from 1 Dec 2022, settle within 180 days.

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 28 May 2024. 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

6.74% (7.38%*)

6.59% (7.28%*)

6.64% (7.22%*)

6.79% (7.21%*)

6.89% (7.21%*)

7.54% (7.51%*)

7.54% (7.53%*)

7.44% p.a.

Fees

$0.00

n/a

n/a

$160.00

n/a

$0.00

$160.00

Other financial bits

$20,000

none

80.00%

90.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to to lesser of 5% of original fixed loan amount, or $5,000 each year

no

no

none

yes

Optional - $10 per month - 1 year fixed term only

none

No monthly fee after end of fixed rate term. Lock your fixed rate for 90 days for a fee of $750 per $1m in lending (or part thereof).

$3,000 cashback for eligible First Home Buyers, loans of $250k+, apply from 1 Dec 2022, settle within 180 days.

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 28 May 2024. 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

6.99% (7.23%*)

6.84% (7.17%*)

6.79% (7.12%*)

6.94% (7.14%*)

6.99% (7.14%*)

7.49% (7.40%*)

7.49% (7.44%*)

7.24% p.a.

Fees

$0.00

n/a

n/a

$160.00

n/a

$0.00

$160.00

Other financial bits

$20,000

none

none

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to to lesser of 5% of original fixed loan amount, or $5,000 each year

no

no

none

yes

Optional - $10 per month - 1 year fixed term only

none

No monthly fee after end of fixed rate term. Lock your fixed rate for 90 days for a fee of $750 per $1m in lending (or part thereof).

$3,000 cashback for eligible First Home Buyers, $2,000 cashback when you refinance loans of $250k+, apply from 1 Dec 2022, settle within 180 days.

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 28 May 2024. 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

7.04% (7.41%*)

6.89% (7.34%*)

6.84% (7.28%*)

6.99% (7.28%*)

7.04% (7.27%*)

7.54% (7.51%*)

7.54% (7.53%*)

7.44% p.a.

Fees

$0.00

n/a

n/a

$160.00

n/a

$0.00

$160.00

Other financial bits

$20,000

none

80.00%

90.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to to lesser of 5% of original fixed loan amount, or $5,000 each year

no

no

none

yes

Optional - $10 per month - 1 year fixed term only

none

No monthly fee after end of fixed rate term. Lock your fixed rate for 90 days for a fee of $750 per $1m in lending (or part thereof).

$3,000 cashback for eligible First Home Buyers, loans of $250k+, apply from 1 Dec 2022, settle within 180 days.

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 28 May 2024. 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

6.89% (7.75%*)

6.69% (7.61%*)

6.69% (7.51%*)

6.94% (7.51%*)

7.04% (7.49%*)

7.49% (7.65%*)

7.49% (7.60%*)

7.84% p.a.

Fees

$0.00

n/a

n/a

$160.00

n/a

$0.00

$160.00

Other financial bits

$20,000

none

none

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to to lesser of 5% of original fixed loan amount, or $5,000 each year

no

no

none

yes

Optional - $10 per month - 1 year fixed term only

none

No monthly fee after end of fixed rate term. Lock your fixed rate for 90 days for a fee of $750 per $1m in lending (or part thereof).

Up to $2,000 cashback for eligible refinances of $250k+ to 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.

Details

Rates and fees information correct as at 28 May 2024. 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

6.94% (7.93%*)

6.74% (7.78%*)

6.74% (7.66%*)

6.99% (7.65%*)

7.09% (7.62%*)

7.54% (7.76%*)

7.54% (7.68%*)

8.04% p.a.

Fees

$0.00

n/a

n/a

$160.00

n/a

$0.00

$160.00

Other financial bits

$20,000

none

80.00%

95.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to to lesser of 5% of original fixed loan amount, or $5,000 each year

no

no

none

yes

Optional - $10 per month - 1 year fixed term only

none

No monthly fee after end of fixed rate term. Lock your fixed rate for 90 days for a fee of $750 per $1m in lending (or part thereof).

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 28 May 2024. 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

6.99% (7.76%*)

6.74% (7.62%*)

6.74% (7.53%*)

7.04% (7.55%*)

7.14% (7.54%*)

7.49% (7.65%*)

7.49% (7.60%*)

7.84% p.a.

Fees

$0.00

n/a

n/a

$160.00

n/a

$0.00

$160.00

Other financial bits

$20,000

none

none

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to to lesser of 5% of original fixed loan amount, or $5,000 each year

no

no

none

yes

Optional - $10 per month - 1 year fixed term only

none

No monthly fee after end of fixed rate term. Lock your fixed rate for 90 days for a fee of $750 per $1m in lending (or part thereof).

Up to $2,000 cashback for eligible refinances of $250k+ to 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.

Details

Rates and fees information correct as at 28 May 2024. 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

7.04% (7.94%*)

6.79% (7.79%*)

6.79% (7.68%*)

7.09% (7.69%*)

7.19% (7.67%*)

7.54% (7.76%*)

7.54% (7.68%*)

8.04% p.a.

Fees

$0.00

n/a

n/a

$160.00

n/a

$0.00

$160.00

Other financial bits

$20,000

none

80.00%

95.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to to lesser of 5% of original fixed loan amount, or $5,000 each year

no

no

none

yes

Optional - $10 per month - 1 year fixed term only

none

No monthly fee after end of fixed rate term. Lock your fixed rate for 90 days for a fee of $750 per $1m in lending (or part thereof).

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
7.1/10
Price
6.6/10
Features
6.4/10
Customer service
6.9/10
Convenience
7.6/10
Trust
6.7/10
Based on 4128 ANZ home loan reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Latest reviews of ANZ Fixed Rate Home Loan

About ANZ

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a. variable

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

6.25% p.a.
fixed 3 years

6.20% p.a.

Thumbnail icon for Heritage Bank
Heritage Bank

Discount Variable Home Loan

5.99% p.a. variable

6.01% p.a.

Thumbnail icon for HSBC
HSBC

Home Value Loan

6.09% p.a. variable

6.09% p.a.

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a. variable

6.20% p.a.

Thumbnail icon for ANZ
ANZ

Fixed Rate

6.59% p.a.
fixed 3 years

7.06% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.14% p.a. variable

6.16% p.a.

Thumbnail icon for ING
ING

Mortgage Simplifier

6.14% p.a. variable

6.17% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a. variable

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.14% p.a. variable

6.16% p.a.

Thumbnail icon for Heritage Bank
Heritage Bank

Discount Variable Home Loan

5.99% p.a. variable

6.01% p.a.

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a. variable

6.20% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan

6.24% p.a. variable

6.48% p.a.

Thumbnail icon for Aussie
Aussie

Elevate

6.09% p.a. variable

6.20% p.a.

Thumbnail icon for ING
ING

Fixed Rate Loan (with Orange Advantage)

5.99% p.a.
fixed 3 years

6.12% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.14% p.a. variable

6.39% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a.

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.14% p.a.

6.16% p.a.

Thumbnail icon for Heritage Bank
Heritage Bank

Discount Variable Home Loan

5.99% p.a.

6.01% p.a.

Thumbnail icon for Aussie
Aussie

Elevate

6.09% p.a.

6.20% p.a.

Thumbnail icon for ING
ING

Mortgage Simplifier

6.14% p.a.

6.17% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.14% p.a.

6.39% p.a.

Thumbnail icon for loans.com.au
loans.com.au

Variable Home Loan 90

6.04% p.a.

6.06% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.15% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

6.25% p.a.
fixed 3 years

6.20% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.41% p.a.

Thumbnail icon for ING
ING

Fixed Rate Loan (with Orange Advantage)

5.99% p.a.
fixed 3 years

6.12% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

6.35% p.a.
fixed 3 years

6.26% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

Thumbnail icon for ANZ
ANZ

Fixed Rate

6.59% p.a.
fixed 3 years

7.06% 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.

Compare other home loans