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 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 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 90%

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 principal & interest 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 90%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 90%

    Loan: $20,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $20,000

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $20,000

  • Owner Occupier (Interest Only)

    LVR < 90%

    Loan: $20,000

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $20,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $20,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $20,000

  • Investor (Interest Only)

    LVR < 90%

    Loan: $20,000

Fixed 3 year rate
2.24% p.a.
Comparison Rate
3.99% p.a.
Service fee
$10.00 monthly
Upfront fee
$600
Fixed 3 year rate
3.78% p.a.
Comparison Rate
4.79% p.a.
Service fee
$10.00 monthly
Upfront fee
$600
Fixed 3 year rate
2.19% p.a.
Comparison Rate
3.98% p.a.
Service fee
$10.00 monthly
Upfront fee
$600
Fixed 3 year rate
3.83% p.a.
Comparison Rate
4.80% p.a.
Service fee
$10.00 monthly
Upfront fee
$600
Fixed 3 year rate
2.64% p.a.
Comparison Rate
4.53% p.a.
Service fee
$10.00 monthly
Upfront fee
$600
Fixed 3 year rate
2.79% p.a.
Comparison Rate
4.74% p.a.
Service fee
$10.00 monthly
Upfront fee
$600
Fixed 3 year rate
2.59% p.a.
Comparison Rate
4.51% p.a.
Service fee
$10.00 monthly
Upfront fee
$600
Fixed 3 year rate
2.84% p.a.
Comparison Rate
4.76% p.a.
Service fee
$10.00 monthly
Upfront fee
$600

Mozo editorial review ANZ Fixed Rate

Last updated: 15 February 2021.

binocular icon
What's hot
  • 2.24% p.a. 3-year fixed rate (3.88% p.a. comparison rate*)
  • Offset account available on 1-year terms
What's not
  • $600 application fee
  • $10 monthly service 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.

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 2.24% p.a. (3.88% p.a. comparison rate*) available on 3-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.

If you can bring together at least a 20% deposit on the loan, you'll be able to cut an additional 0.05% off your interest, bringing the discount rate down to 2.19%

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.

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

There are a few fees that come with this one, including a $600 application fee and a $10 monthly service fee. Once your loan term is up, you’ll also be charged a $160 discharge 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 22 April 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

  • 2.24% (4.35%*)

  • 2.24% (4.16%*)

  • 2.24% (3.99%*)

  • 2.44% (3.90%*)

  • 2.44% (3.77%*)

  • 7.69% (6.44%*)

  • 7.69% (6.97%*)

  • 4.39% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $10.00 monthly

  • $160.00

Other financial bits
  • $20,000

  • none

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to annual limit

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • No monthly fee after end of fixed rate term.

  • 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 22 April 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

  • 3.88% (5.00%*)

  • 3.58% (4.85%*)

  • 3.78% (4.79%*)

  • 3.98% (4.77%*)

  • 3.98% (4.70%*)

  • 7.64% (6.65%*)

  • 7.64% (7.08%*)

  • 4.94% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $10.00 monthly

  • $160.00

Other financial bits
  • $20,000

  • 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

  • No monthly fee after end of fixed rate term.

  • 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 22 April 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

  • 2.19% (4.34%*)

  • 2.19% (4.16%*)

  • 2.19% (3.98%*)

  • 2.39% (3.89%*)

  • 2.39% (3.75%*)

  • 7.64% (6.41%*)

  • 7.64% (6.93%*)

  • 4.39% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $10.00 monthly

  • $160.00

Other financial bits
  • $20,000

  • 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

  • No monthly fee after end of fixed rate term.

  • 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 22 April 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

  • 3.93% (5.00%*)

  • 3.63% (4.86%*)

  • 3.83% (4.80%*)

  • 4.03% (4.78%*)

  • 4.03% (4.72%*)

  • 7.69% (6.68%*)

  • 7.69% (7.12%*)

  • 4.94% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $10.00 monthly

  • $160.00

Other financial bits
  • $20,000

  • none

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to annual limit

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • No monthly fee after end of fixed rate term.

  • 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 22 April 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% (4.93%*)

  • 2.64% (4.72%*)

  • 2.64% (4.53%*)

  • 3.14% (4.52%*)

  • 3.14% (4.39%*)

  • 7.69% (6.71%*)

  • 7.69% (7.13%*)

  • 4.99% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $10.00 monthly

  • $160.00

Other financial bits
  • $20,000

  • none

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to annual limit

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • No monthly fee after end of fixed rate term.

  • 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 22 April 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

  • 2.89% (5.17%*)

  • 2.79% (4.94%*)

  • 2.79% (4.74%*)

  • 3.29% (4.73%*)

  • 3.29% (4.59%*)

  • 7.64% (6.78%*)

  • 7.64% (7.16%*)

  • 5.24% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $10.00 monthly

  • $160.00

Other financial bits
  • $20,000

  • 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

  • No monthly fee after end of fixed rate term.

  • 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 22 April 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

  • 2.69% (4.93%*)

  • 2.59% (4.71%*)

  • 2.59% (4.51%*)

  • 3.09% (4.50%*)

  • 3.09% (4.37%*)

  • 7.64% (6.68%*)

  • 7.64% (7.09%*)

  • 4.99% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $10.00 monthly

  • $160.00

Other financial bits
  • $20,000

  • 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

  • No monthly fee after end of fixed rate term.

  • 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 22 April 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

  • 2.94% (5.17%*)

  • 2.84% (4.95%*)

  • 2.84% (4.76%*)

  • 3.34% (4.74%*)

  • 3.34% (4.61%*)

  • 7.69% (6.81%*)

  • 7.69% (7.20%*)

  • 5.24% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $10.00 monthly

  • $160.00

Other financial bits
  • $20,000

  • none

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to annual limit

  • no

  • no

  • none

  • yes

  • yes - 1 year fixed term only

  • none

  • No monthly fee after end of fixed rate term.

  • 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 4040 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

Thumbnail icon for 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

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a. variable

2.47% p.a.

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UHomeLoan (Fixed)

1.75% p.a.
fixed 3 years

2.22% p.a.

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Macquarie

Basic Home Loan (Fixed)

2.09% p.a.
fixed 3 years

2.43% p.a.

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Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

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Homestar

Star Gold Home Loan

1.79% p.a. variable

1.84% p.a.

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Tic:Toc

Fixed Home Loan

1.99% p.a.
fixed 3 years

2.15% p.a.

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Well Home Loans

Well Balanced

2.17% p.a. variable

2.20% p.a.

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Bank of Queensland

Fixed Rate

1.94% p.a.
fixed 3 years

2.97% p.a.

Thumbnail icon for loans.com.au

loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a. variable

2.47% p.a.

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Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

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Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

Thumbnail icon for Tic:Toc

Tic:Toc

Fixed Home Loan

1.99% p.a.
fixed 3 years

2.15% p.a.

Thumbnail icon for Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

1.98% p.a.
fixed 3 years

3.56% p.a.

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UBank

UHomeLoan (Fixed)

1.75% p.a.
fixed 3 years

2.22% p.a.

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86 400

Neat Home Loan

2.19% p.a. variable

2.20% p.a.

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Suncorp

Fixed Home Loan (Home Package Plus)

1.99% p.a.
fixed 3 years

2.83% p.a.

Thumbnail icon for loans.com.au

loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a.

2.47% p.a.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan

2.64% p.a.

2.64% p.a.

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UBank

UHomeLoan - Discount Offer

2.34% p.a.

2.34% p.a.

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Athena

AcceleRATES Variable Home Loan

2.19% p.a.

2.19% p.a.

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Suncorp

Back to Basics

2.44% p.a.

2.45% p.a.

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Homestar

Star Gold Home Loan

1.79% p.a.

1.84% p.a.

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Yard

Variable Home Loan Special

2.09% p.a.

2.12% p.a.

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HSBC

Home Value Loan

2.44% p.a.

2.45% p.a.

Thumbnail icon for loans.com.au

loans.com.au

Fixed Home Loan

1.99% p.a.
fixed 3 years

2.70% p.a.

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UBank

UHomeLoan (Fixed)

1.75% p.a.
fixed 3 years

2.22% p.a.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan (Fixed)

2.09% p.a.
fixed 3 years

2.43% p.a.

Thumbnail icon for Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

1.98% p.a.
fixed 3 years

3.56% p.a.

Thumbnail icon for HSBC

HSBC

Fixed Rate Home Loan (Home Loan Package)

2.09% p.a.
fixed 3 years

2.86% p.a.

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Homestar

Star Classic Fixed Home Loan

n/a

n/a

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People's Choice Credit Union

Fixed Rate Home Loan (Package)

1.89% p.a.
fixed 3 years

3.03% p.a.

Thumbnail icon for Well Home Loans

Well Home Loans

Well Balanced Fixed

2.04% p.a.
fixed 3 years

2.17% 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.