Choose the version of this loan that suits you best
Availability | Loan type | LVR | Min loan amount | Max loan amount | |
---|---|---|---|---|---|
|
Owner Occupier | Principal & Interest | 70%-80% | $50,000 | |
|
Owner Occupier | Principal & Interest | < 60% | $50,000 | |
|
Owner Occupier | Principal & Interest | 60%-70% | $50,000 | |
|
Owner Occupier | Principal & Interest | 80%-90% | $50,000 | |
|
Owner Occupier | Principal & Interest | 90%-95% | $50,000 | |
|
Investor | Principal & Interest | < 60% | $50,000 | |
|
Investor | Principal & Interest | 60%-70% | $50,000 | |
|
Investor | Principal & Interest | 70%-80% | $50,000 | |
|
Investor | Principal & Interest | 80%-90% | $50,000 | |
|
Investor | Principal & Interest | 90%-95% | $50,000 | |
|
Investor | Interest Only | < 60% | $50,000 | |
|
Investor | Interest Only | 60%-70% | $50,000 | |
|
Investor | Interest Only | 70%-80% | $50,000 | |
|
Investor | Interest Only | 80%-90% | $50,000 | |
|
Investor | Interest Only | 90%-95% | $50,000 |
6.64% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.64% p.a. |
|
n/a |
|
n/a |
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n/a |
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n/a |
|
n/a |
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n/a |
|
n/a |
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n/a |
$0.00 |
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n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$50,000 |
|
none |
|
70.00% |
|
80.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
$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.
6.54% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.54% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$50,000 |
|
none |
|
none |
|
60.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
$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.
6.59% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.59% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$50,000 |
|
none |
|
60.00% |
|
70.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
$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.
7.24% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.24% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$50,000 |
|
none |
|
80.00% |
|
90.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
$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.
7.64% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.64% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$50,000 |
|
none |
|
90.00% |
|
95.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
$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.
6.69% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.69% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$50,000 |
|
none |
|
none |
|
60.00% |
Investor |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
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.
6.74% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.74% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$50,000 |
|
none |
|
60.00% |
|
70.00% |
Investor |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
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.
6.84% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.84% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$50,000 |
|
none |
|
70.00% |
|
80.00% |
Investor |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
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.
7.64% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.64% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$50,000 |
|
none |
|
80.00% |
|
90.00% |
Investor |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
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.
7.99% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.99% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$50,000 |
|
none |
|
90.00% |
|
95.00% |
Investor |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
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.
7.04% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.85% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$50,000 |
|
none |
|
none |
|
60.00% |
Investor |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
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.
7.09% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.90% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$50,000 |
|
none |
|
60.00% |
|
70.00% |
Investor |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
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.
7.19% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.00% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$50,000 |
|
none |
|
70.00% |
|
80.00% |
Investor |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
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.
7.79% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.71% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$50,000 |
|
none |
|
80.00% |
|
90.00% |
Investor |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
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.
7.98% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.99% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
n/a |
|
n/a |
|
$160.00 |
|
n/a |
|
$0.00 |
|
$160.00 |
$50,000 |
|
none |
|
90.00% |
|
95.00% |
Investor |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
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.
This bank has been helpful and supportive in managing the ups and downs of the cost of living and covid.
Read full reviewThis bank has been helpful and supportive in managing the ups and downs of the cost of living and covid.
We went with ANZ because they will accept home loan applications with a woman being on maternity leave, taking into account the amount she will be making upon her return to work. This is absolutely a huge point to them as they are one of the only banks willing to do this. Apart from that though we haven’t been very happy with the overall experience with them so far. It has always been really difficult to get any customer service. It is always a 1+ hour wait on hold when we call. During the application process we found it hard to get clear and concise information, facts would differ between staff within the very same phone call. We dread having to call them, one phone experience lead to 2+ hours speaking to 3 different people before they “accidentally” hung up. We did receive a call back from a supervisor who was more helpful but we don’t have that kind of time to give! Our home loan rates are not competitive and have obviously gone up a lot, as with all other banks. However this home loan type offers no offset option. With uncompetitive rates and no bonus features, it’s just not a worthwhile product. We will look at refinancing with another bank when possible.
Read full reviewWe went with ANZ because they will accept home loan applications with a woman being on maternity leave, taking into account the amount she will be making upon her return to work. This is absolutely a huge point to them as they are one of the only banks willing to do this. Apart from that though we haven’t been very happy with the overall experience with them so far. It has always been really difficult to get any customer service. It is always a 1+ hour wait on hold when we call. During the application process we found it hard to get clear and concise information, facts would differ between staff within the very same phone call. We dread having to call them, one phone experience lead to 2+ hours speaking to 3 different people before they “accidentally” hung up. We did receive a call back from a supervisor who was more helpful but we don’t have that kind of time to give! Our home loan rates are not competitive and have obviously gone up a lot, as with all other banks. However this home loan type offers no offset option. With uncompetitive rates and no bonus features, it’s just not a worthwhile product. We will look at refinancing with another bank when possible.
Anz were the only bank that gave me a chance and approved my home loan despite me being only on pension income
Read full reviewAnz were the only bank that gave me a chance and approved my home loan despite me being only on pension income
Have had several mortgages and investments loans with ANZ and never had an issue.
Read full reviewHave had several mortgages and investments loans with ANZ and never had an issue.
They helped me a lot when my ID was stolen and I had lost much money (which I got back thanks to them). Also they gave us a much reduced home loan interest rate.
Read full reviewThey helped me a lot when my ID was stolen and I had lost much money (which I got back thanks to them). Also they gave us a much reduced home loan interest rate.
Fixed Rate
p.a.
7.06% p.a.
$0.00
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% 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.