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
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 90% | $20,000 | |
| | Owner Occupier | Interest Only | < 80% | $20,000 | |
| | Investor | Principal & Interest | < 90% | $20,000 | |
| | Investor | Interest Only | < 80% | $20,000 |
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
4.39% p.a.
n/a
n/a
n/a
4.49% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$0.00
n/a
$5.00 monthly
$160.00
$20,000
none
none
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes
$0.00
yes
yes
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.
4.94% p.a.
n/a
n/a
n/a
5.04% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$0.00
n/a
$5.00 monthly
$160.00
$20,000
none
none
80.00%
Owner Occupier
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes
$0.00
yes
yes
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.
4.99% p.a.
n/a
n/a
n/a
5.09% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$0.00
n/a
$5.00 monthly
$160.00
$20,000
none
none
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes
$0.00
yes
yes
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.
5.24% p.a.
n/a
n/a
n/a
5.34% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$0.00
n/a
$5.00 monthly
$160.00
$20,000
none
none
80.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes
$0.00
yes
yes
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.
I like it as they have branches everywhere. Dislike that they don't offer better interest rates to people who have had accounts with them for years.
Read full reviewI like it as they have branches everywhere. Dislike that they don't offer better interest rates to people who have had accounts with them for years.
I have been with ANZ for more than 30 years. My variable rate home loan has an offset account, a redraw facility and no fees. I find it works well as we don’t pay any interest and we can redraw online at our own convenience.
Read full reviewI have been with ANZ for more than 30 years. My variable rate home loan has an offset account, a redraw facility and no fees. I find it works well as we don’t pay any interest and we can redraw online at our own convenience.
As any bank they are only out for their own needs. I don’t feel like they overall look after the individual.
Read full reviewAs any bank they are only out for their own needs. I don’t feel like they overall look after the individual.
Yes, there are cheaper loan rates for a mortgage but as a long-term customer of this bank when I needed a mortgage the process was so much simpler due to them already having my banking history, and everything was done on the phone or via email and very quick. My current variable rate is pretty reasonable and to change lender would mean having to jump through a multitude of hoops and provide explanations beyond belief as to spending history and I really don't want to have to justify every transaction I make in life. I have never gone overdrawn and have a good credit history, so not sure what things are like if your credit history is not squeaky clean. Their mobile banking app is fantastic, easy to use, professional and secure. There is an ANZ branch 5 minutes walk from where I work so if I need to talk to a person rather than a call centre I am able to do this. All in all - very happy. Cons - there are cheaper variable rates out there - but be prepared for the paperwork/inquisition to get approved!!
Read full reviewYes, there are cheaper loan rates for a mortgage but as a long-term customer of this bank when I needed a mortgage the process was so much simpler due to them already having my banking history, and everything was done on the phone or via email and very quick. My current variable rate is pretty reasonable and to change lender would mean having to jump through a multitude of hoops and provide explanations beyond belief as to spending history and I really don't want to have to justify every transaction I make in life. I have never gone overdrawn and have a good credit history, so not sure what things are like if your credit history is not squeaky clean. Their mobile banking app is fantastic, easy to use, professional and secure. There is an ANZ branch 5 minutes walk from where I work so if I need to talk to a person rather than a call centre I am able to do this. All in all - very happy. Cons - there are cheaper variable rates out there - but be prepared for the paperwork/inquisition to get approved!!
Easy but interest rate not competitive.
Read full reviewEasy but interest rate not competitive.
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.
