Choose the version of this loan that suits you best
Availability | Loan type | LVR | Min loan amount | Max loan amount | |
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Owner Occupier | Principal & Interest | < 80% | $150,000 | |
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Owner Occupier | Principal & Interest | 80%-95% | $150,000 | |
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Owner Occupier | Interest Only | < 80% | $150,000 | |
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Investor | Principal & Interest | < 80% | $150,000 | |
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Investor | Principal & Interest | 80%-95% | $150,000 | |
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Investor | Interest Only | < 80% | $150,000 | |
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Investor | Interest Only | 80%-95% | $150,000 |
The Standard Variable Rate Home Loan from ANZ comes with a low variable rate of 7.24% p.a. (7.24% p.a. comparison rate*), available to those borrowing 80% or less of a property's value. It also comes with some attractive features, such as an offset account and the ability to make extra repayments, making it a worthwhile option for home loan seekers who want great value but also the security of a big name bank. Plus, borrowers may also be eligible for $2,000 cashback when refinancing.
ANZ's Standard Variable Rate Home Loan offers a competitive 7.24% p.a. (7.24% p.a. comparison rate*), available on <80% LVR loans. Repayments can be tailored to suit you and your pay cycle, whether that's weekly, fortnightly or monthly. There's also a range of helpful features on offer to help you save on interest and reduce stress.
This includes the ability to make free extra repayments and redraw if needed, split your loan between fixed and variable options, take a repayment holiday (as long as you're ahead on repayments), and for eligible borrowers looking to refinance, there's a $2,000 cashback offer up for grabs (T&Cs apply). Borrowers can also take advantage of an offset account, however this will cost an extra $10 per month.
This home loan may suit borrowers who want a competitive variable rate and access to a Big Bank branch network.
While this home loan is light on fees, borrowers will still have to budget for the $160 discharge
7.24% p.a. |
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n/a |
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n/a |
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n/a |
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7.25% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
$0.00 |
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$0.00 |
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$0.00 |
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$160.00 |
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n/a |
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$0.00 |
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$160.00 |
$150,000 |
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none |
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none |
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80.00% |
Owner Occupier |
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Principal & Interest |
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Weekly, Fortnightly, Monthly |
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yes - free |
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yes |
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yes - free |
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$0.00 |
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yes |
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Optional - $10 per month |
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none |
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none |
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$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.
7.44% p.a. |
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n/a |
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n/a |
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n/a |
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7.45% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
$0.00 |
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$0.00 |
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$0.00 |
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$160.00 |
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n/a |
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$0.00 |
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$160.00 |
$150,000 |
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none |
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80.00% |
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95.00% |
Owner Occupier |
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Principal & Interest |
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Weekly, Fortnightly, Monthly |
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yes - free |
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yes |
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yes - free |
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$0.00 |
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yes |
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Optional - $10 per month |
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none |
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none |
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$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.
7.79% p.a. |
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n/a |
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n/a |
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n/a |
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7.80% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
$0.00 |
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$0.00 |
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$0.00 |
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$160.00 |
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n/a |
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$0.00 |
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$160.00 |
$150,000 |
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none |
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none |
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80.00% |
Owner Occupier |
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Interest Only |
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Weekly, Fortnightly, Monthly |
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yes - free |
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yes |
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yes - free |
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$0.00 |
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yes |
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Optional - $10 per month |
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none |
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none |
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$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.
7.84% p.a. |
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n/a |
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n/a |
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n/a |
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7.85% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
$0.00 |
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$0.00 |
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$0.00 |
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$160.00 |
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n/a |
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$0.00 |
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$160.00 |
$150,000 |
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none |
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none |
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80.00% |
Investor |
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Principal & Interest |
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Weekly, Fortnightly, Monthly |
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yes - free |
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yes |
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yes - free |
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$0.00 |
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yes |
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Optional - $10 per month |
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none |
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none |
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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.
8.04% p.a. |
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n/a |
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n/a |
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n/a |
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8.05% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
$0.00 |
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$0.00 |
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$0.00 |
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$160.00 |
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n/a |
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$0.00 |
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$160.00 |
$150,000 |
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none |
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80.00% |
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95.00% |
Investor |
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Principal & Interest |
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Weekly, Fortnightly, Monthly |
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yes - free |
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yes |
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yes - free |
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$0.00 |
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yes |
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Optional - $10 per month |
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none |
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none |
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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.
8.09% p.a. |
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n/a |
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n/a |
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n/a |
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8.10% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
$0.00 |
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$0.00 |
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$0.00 |
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$160.00 |
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n/a |
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$0.00 |
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$160.00 |
$150,000 |
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none |
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none |
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80.00% |
Investor |
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Interest Only |
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Weekly, Fortnightly, Monthly |
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yes - free |
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yes |
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yes - free |
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$0.00 |
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yes |
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Optional - $10 per month |
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none |
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none |
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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.
8.29% p.a. |
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n/a |
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n/a |
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n/a |
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8.30% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
$0.00 |
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$0.00 |
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$0.00 |
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$160.00 |
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n/a |
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$0.00 |
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$160.00 |
$150,000 |
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none |
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80.00% |
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95.00% |
Investor |
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Interest Only |
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Weekly, Fortnightly, Monthly |
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yes - free |
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yes |
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yes - free |
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$0.00 |
|
yes |
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Optional - $10 per month |
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none |
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none |
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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.
ANZ has been so helpful with sorting out our loans and heloing us set everything up correctly. They are easy to make an appointment with and talk to.
Read full reviewANZ has been so helpful with sorting out our loans and heloing us set everything up correctly. They are easy to make an appointment with and talk to.
I originally went with ANZ as they had a cash back offer for bringing home loan over. If I transfer money into my home loan account there doesn’t appear to be a way to transfer it out again. I also get charged a fee for the account that I had to setup for home loan repayments to come out of. I think it’s designed to encourage changing your everyday banking to them as the fee is waived if a certain amount is deposited each month. All in all, ANZ is quite good to deal with and call me annually to check in to see how things are.
Read full reviewI originally went with ANZ as they had a cash back offer for bringing home loan over. If I transfer money into my home loan account there doesn’t appear to be a way to transfer it out again. I also get charged a fee for the account that I had to setup for home loan repayments to come out of. I think it’s designed to encourage changing your everyday banking to them as the fee is waived if a certain amount is deposited each month. All in all, ANZ is quite good to deal with and call me annually to check in to see how things are.
ANZ has well structured home loan facilities with competitive rates and transparency with accounts and customer service. Online service is very broad and emcompassing. We have been customers for almost 30 years and have few regrets during the period in regards to our loan facility. One negative aspect would be the wait times when trying to speak personally with a customer Rep. Otherwise, very happy with our loan and have recommended this bank to friends and family.
Read full reviewANZ has well structured home loan facilities with competitive rates and transparency with accounts and customer service. Online service is very broad and emcompassing. We have been customers for almost 30 years and have few regrets during the period in regards to our loan facility. One negative aspect would be the wait times when trying to speak personally with a customer Rep. Otherwise, very happy with our loan and have recommended this bank to friends and family.
Had a home loan for almost 20 years with the ANZ, never been behind or had any issues. I currently am having time off work to care for my sick child who recently spent time in intensive care. I applied to change my loan to an interest-only loan to get by during this time, after jumping through multiple hoops and dealing with unhelpful staff, they declined it saying I don't have enough money to pay a lower amount on my mortgage than I am already paying. How does that make any sense? No customer service and there is absolutely no point being loyal to them, they have no loyalty to you.
Read full reviewHad a home loan for almost 20 years with the ANZ, never been behind or had any issues. I currently am having time off work to care for my sick child who recently spent time in intensive care. I applied to change my loan to an interest-only loan to get by during this time, after jumping through multiple hoops and dealing with unhelpful staff, they declined it saying I don't have enough money to pay a lower amount on my mortgage than I am already paying. How does that make any sense? No customer service and there is absolutely no point being loyal to them, they have no loyalty to you.
have to live week to week and sometimes not even that happens and we have to borrow from family till next pay day. Please ANZ, bring the rates down and match the Aussie wages
Read full reviewhave to live week to week and sometimes not even that happens and we have to borrow from family till next pay day. Please ANZ, bring the rates down and match the Aussie wages
Fixed Rate
p.a.
7.06% p.a.
$0.00
Great Rate Home Loan
6.04% p.a. variable
6.06% p.a.
Home Value Loan
6.14% p.a. variable
6.14% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Great Rate Home Loan
6.04% p.a. variable
6.06% p.a.
Elevate
6.09% p.a. variable
6.20% p.a.
Great Rate Home Loan
6.04% p.a.
6.06% p.a.
Elevate
6.09% p.a.
6.20% p.a.
Mortgage Simplifier
6.14% p.a.
6.17% p.a.
Fixed Rate Loan
6.09% p.a.
fixed 3 years
6.15% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Express Home Loan (Fixed)
6.54% p.a.
fixed 3 years
6.38% p.a.
Great Rate Home Loan
6.04% p.a.
6.06% p.a.
$0.00
Home Value Loan
6.14% p.a.
6.14% p.a.
$0.00
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.