ANZ Fixed Rate

This product is available in different versions. Pick the right version for you here.

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

3.13% p.a.

4.51% p.a.

$10.00 monthly

ANZ Fixed Rate

3.13% p.a.

4.51% p.a.

$10.00 monthly

3.84% p.a.

5.09% p.a.

$10.00 monthly

ANZ Fixed Rate

3.84% p.a.

5.09% p.a.

$10.00 monthly

3.44% p.a.

5.02% p.a.

$10.00 monthly

ANZ Fixed Rate

3.44% p.a.

5.02% p.a.

$10.00 monthly

3.64% p.a.

5.32% p.a.

$10.00 monthly

ANZ Fixed Rate

3.64% p.a.

5.32% p.a.

$10.00 monthly

Details

Rates and fees information correct as at 16 December 2019. 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

  • 3.43% (4.82%*)

  • 3.13% (4.64%*)

  • 3.13% (4.51%*)

  • 3.68% (4.57%*)

  • 3.68% (4.49%*)

  • 7.69% (6.62%*)

  • 7.69% (7.08%*)

  • 4.79% 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.

  • Refinance by 31 January 2020 to receive up to $3,500 cash back depending on the loan amount with an ANZ linked transaction account.

*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 16 December 2019. 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

  • 4.04% (5.37%*)

  • 3.84% (5.21%*)

  • 3.84% (5.09%*)

  • 4.29% (5.13%*)

  • 4.29% (5.06%*)

  • 7.69% (6.86%*)

  • 7.69% (7.23%*)

  • 5.34% 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.

  • Refinance by 31 January 2020 to receive up to $3,500 cash back depending on the loan amount with an ANZ linked transaction account.

*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 16 December 2019. 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

  • 3.84% (5.39%*)

  • 3.44% (5.18%*)

  • 3.44% (5.02%*)

  • 4.09% (5.09%*)

  • 4.09% (5.00%*)

  • 7.69% (6.88%*)

  • 7.69% (7.24%*)

  • 5.39% 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.

  • Refinance by 31 January 2020 to receive up to $3,500 cash back depending on the loan amount with an ANZ linked transaction account.

*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 16 December 2019. 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

  • 4.14% (5.73%*)

  • 3.64% (5.50%*)

  • 3.64% (5.32%*)

  • 4.39% (5.42%*)

  • 4.39% (5.32%*)

  • 7.69% (7.03%*)

  • 7.69% (7.33%*)

  • 5.74% 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.

  • Refinance by 31 January 2020 to receive up to $3,500 cash back depending on the loan amount with an ANZ linked transaction account.

*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 customer rating
6.9/10

Based on 3903 ANZ home loan reviews

Price
6.6/10
Features
6.4/10
Customer service
7.0/10
Convenience
7.6/10
Trust
6.7/10

Latest reviews of ANZ Fixed Rate

  • Overall
    7/10
    Overall for 2020 service acceptable.

    Sometimes it is nicer to get another person online.

    Sometimes it is nicer to get another person online.

    Price
    7/10
    Features
    8/10
    Customer service
    6/10
    Convenience
    8/10
    Trust
    5/10

    Marylin | Australian Capital Territory

    reviewed 10 days ago

  • Overall
    2/10
    Staying with them because it's a hassle switching.

    Banks just don't care. They are profit machines and once you get in the system you are lost.

    Banks just don't care. They are profit machines and once you get in the system you are lost.

    Price
    6/10
    Features
    3/10
    Customer service
    0/10
    Convenience
    6/10
    Trust
    2/10

    Craig | New South Wales

    reviewed about 1 month ago

  • Overall
    0/10
    High interest rates.

    They are ripping me off.

    They are ripping me off.

    Price
    0/10
    Features
    0/10
    Customer service
    0/10
    Convenience
    0/10
    Trust
    0/10

    Sam | South Australia

    reviewed about 2 months ago

  • Overall
    10/10
    Excellent

    ANZ provide very good service.

    ANZ provide very good service.

    Price
    10/10
    Features
    0/10
    Customer service
    6/10
    Convenience
    7/10
    Trust
    10/10

    Jacquie | New South Wales

    reviewed about 1 year ago

  • Overall
    2/10
    Not bad

    As long as you pay they're not bad.

    As long as you pay they're not bad.

    Price
    3/10
    Features
    3/10
    Customer service
    5/10
    Convenience
    4/10
    Trust
    6/10

    Chris | Victoria

    reviewed about 1 year 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

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a. variable

2.90% p.a.

$520

Promoted

Athena

Athena

Variable Home Loan

2.84% p.a. variable

2.80% p.a.

$0

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a. variable

2.84% p.a.

$0

Promoted

Well Home Loans

Well Home Loans

Well Balanced

2.82% p.a. variable

2.86% p.a.

$785

Promoted

Tic:Toc

Tic:Toc

Variable Home Loan

2.79% p.a. variable

2.80% p.a.

$0

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.74% p.a. variable

2.77% p.a.

$596

Promoted

Queensland Country Credit Union

Queensland Country Credit Union

RateSaver (Fixed)

3.49% p.a.
fixed 3 years

3.90% p.a.

$500

Promoted

IMB Bank

IMB Bank

Budget Home Loan

3.13% p.a. variable

3.19% p.a.

$799

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a. variable

2.90% p.a.

$520

Promoted

Athena

Athena

Variable Home Loan

2.84% p.a. variable

2.80% p.a.

$0

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a. variable

2.84% p.a.

$0

Promoted

Tic:Toc

Tic:Toc

Variable Home Loan

2.79% p.a. variable

2.80% p.a.

$0

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.74% p.a. variable

2.77% p.a.

$596

Promoted

HSBC

HSBC

Home Value Loan

2.95% p.a. variable

2.97% p.a.

$150

Promoted

Well Home Loans

Well Home Loans

Well Balanced

2.82% p.a. variable

2.86% p.a.

$785

Promoted

Easy Street

Easy Street

Standard Variable Home Loan

2.95% p.a. variable

2.99% p.a.

$500

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a.

2.84% p.a.

$0

Promoted

Athena

Athena

Variable Home Loan

2.84% p.a.

2.80% p.a.

$0

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a.

2.90% p.a.

$520

Promoted

Tic:Toc

Tic:Toc

Variable Home Loan

2.79% p.a.

2.80% p.a.

$0

Promoted

Well Home Loans

Well Home Loans

Well Balanced

2.82% p.a.

2.86% p.a.

$785

Promoted

HSBC

HSBC

Home Value Loan

2.95% p.a.

2.97% p.a.

$150

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.74% p.a.

2.77% p.a.

$596

Promoted

Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

3.19% p.a.

3.23% p.a.

$0

Promoted

UBank

UBank

UHomeLoan (Fixed)

2.84% p.a.
fixed 3 years

3.59% p.a.

$395

Promoted

loans.com.au

loans.com.au

Fixed Home Loan

2.99% p.a.
fixed 3 years

3.27% p.a.

$520

Promoted

Tic:Toc

Tic:Toc

Fixed Home Loan

2.84% p.a.
fixed 3 years

2.92% p.a.

$0

Promoted

Queensland Country Credit Union

Queensland Country Credit Union

RateSaver (Fixed)

3.49% p.a.
fixed 3 years

3.90% p.a.

$500

Promoted

Well Home Loans

Well Home Loans

Well Balanced Fixed

2.74% p.a.
fixed 3 years

2.84% p.a.

$785

Promoted

IMB Bank

IMB Bank

Fixed Home Loan

2.84% p.a.
fixed 3 years

3.44% p.a.

$799

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

2.89% p.a.
fixed 3 years

3.96% p.a.

$0

Promoted

Heritage Bank

Heritage Bank

Fixed Rate Loan (Home Advantage)

2.99% p.a.
fixed 3 years

3.59% p.a.

$150

*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.