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ANZ Fixed Rate

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 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%

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

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $20,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $20,000

Fixed 3 year rate
2.44% p.a.
Comparison Rate*
4.04% 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
2.84% p.a.
Comparison Rate*
4.76% p.a.
Service fee
$10.00 monthly
Upfront fee
$600

Details

Rates and fees information correct as at 24 September 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

  • 2.54% (4.38%*)

  • 2.44% (4.20%*)

  • 2.44% (4.04%*)

  • 2.84% (4.03%*)

  • 2.84% (3.93%*)

  • 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 24 September 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

  • 3.93% (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

  • 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 24 September 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

  • 2.74% (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 24 September 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

  • 2.94% (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

  • 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.

Customer Reviews

How are ANZ home loans rated by the Mozo community?

Overall
6.9/10

Based on 3974 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

  • Overall 9/10
    Would like a better rate

    I have never had any trouble with them but would like it easy to get out of fixed term loan.

    Read full review

    I have never had any trouble with them but would like it easy to get out of fixed term loan.

    Price
    9/10
    Features
    5/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    9/10
    Less
    Carol, Western Australia reviewed 23 days ago
  • Overall 10/10
    Great home loan option for people with families.

    I was originally with another bank, was a loyal customer for years. But when it came to getting a home loan, they put a huge living cost price on each of our children. This meant the amount they were willing to lend us would have just about bought a 1 bedroom unit or a house 300km from where we were living. Switched to the ANZ who had a much more realistic living cost price per child and was able to buy a 4 bedroom home in our suburb. Fast forward 13 years, we now have 2 houses and are about to put an offer in on a 3rd.

    Read full review

    I was originally with another bank, was a loyal customer for years. But when it came to getting a home loan, they put a huge living cost price on each of our children. This meant the amount they were willing to lend us would have just about bought a 1 bedroom unit or a house 300km from where we were living. Switched to the ANZ who had a much more realistic living cost price per child and was able to buy a 4 bedroom home in our suburb. Fast forward 13 years, we now have 2 houses and are about to put an offer in on a 3rd.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Roy, South Australia reviewed 27 days ago
  • Overall 5/10
    Just an average bank.

    Hard to speak to a "real" person. Little contact after 25 years of having a loan. Unwilling to give abetter rate as we have only 50% left of loan.

    Read full review

    Hard to speak to a "real" person. Little contact after 25 years of having a loan. Unwilling to give abetter rate as we have only 50% left of loan.

    Price
    6/10
    Features
    5/10
    Customer service
    5/10
    Convenience
    5/10
    Trust
    7/10
    Less
    Trina, New South Wales reviewed about 2 months ago
  • Overall 7/10
    Great bank for my needs.

    It's competitive and convenient to my location.

    Read full review

    It's competitive and convenient to my location.

    Price
    7/10
    Features
    7/10
    Customer service
    7/10
    Convenience
    7/10
    Trust
    7/10
    Less
    Kerry, Western Australia reviewed about 2 months ago
  • Overall 2/10
    Look elsewhere.

    You are very much just a number.

    Read full review

    You are very much just a number.

    Price
    2/10
    Features
    4/10
    Customer service
    3/10
    Convenience
    5/10
    Trust
    2/10
    Less
    Emily, Queensland reviewed about 2 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.

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*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.