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ANZ Standard Variable Rate

Advertiser disclosure

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

Rate
4.39% p.a.
Comparison Rate
4.49% p.a.
Service fee
$5.00 monthly
Upfront fee
$600
Rate
4.94% p.a.
Comparison Rate
5.04% p.a.
Service fee
$5.00 monthly
Upfront fee
$600
Rate
4.99% p.a.
Comparison Rate
5.09% p.a.
Service fee
$5.00 monthly
Upfront fee
$600
Rate
5.24% p.a.
Comparison Rate
5.34% p.a.
Service fee
$5.00 monthly
Upfront fee
$600

Details

Rates and fees information correct as at 31 October 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
  • 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

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $5.00 monthly

  • $160.00

Other financial bits
  • $20,000

  • none

  • none

  • 90.00%

Features
  • 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.

Details

Rates and fees information correct as at 31 October 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
  • 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

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $5.00 monthly

  • $160.00

Other financial bits
  • $20,000

  • none

  • none

  • 80.00%

Features
  • 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.

Details

Rates and fees information correct as at 31 October 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
  • 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

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $5.00 monthly

  • $160.00

Other financial bits
  • $20,000

  • none

  • none

  • 90.00%

Features
  • 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.

Details

Rates and fees information correct as at 31 October 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
  • 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

Fees
  • $600.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $5.00 monthly

  • $160.00

Other financial bits
  • $20,000

  • none

  • none

  • 80.00%

Features
  • 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.

Customer Reviews

How are ANZ home loans rated by the Mozo community?

Overall
6.9/10

Based on 3985 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 Standard Variable Rate

  • Overall 6/10
    Could do better.

    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 review

    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.

    Price
    5/10
    Features
    8/10
    Customer service
    5/10
    Convenience
    7/10
    Trust
    7/10
    Less
    Ann, Victoria reviewed 19 days ago
  • Overall 9/10
    Very flexible loan account.

    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 review

    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.

    Price
    9/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Scott, Tasmania reviewed about 1 month ago
  • Overall 4/10
    All banks are the same.

    As any bank they are only out for their own needs. I don’t feel like they overall look after the individual.

    Read full review

    As any bank they are only out for their own needs. I don’t feel like they overall look after the individual.

    Price
    5/10
    Features
    4/10
    Customer service
    5/10
    Convenience
    7/10
    Trust
    3/10
    Less
    Tracy, Victoria reviewed 3 months ago
  • Overall 9/10
    Aussie institution instilling customer trust.

    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 review

    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!!

    Price
    8/10
    Features
    7/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Ruth, Tasmania reviewed 3 months ago
  • Overall 6/10
    Could be better

    Easy but interest rate not competitive.

    Read full review

    Easy but interest rate not competitive.

    Price
    6/10
    Features
    7/10
    Customer service
    6/10
    Convenience
    7/10
    Trust
    6/10
    Less
    Kristen, Western Australia reviewed 3 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.

See ANZ home loans

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2.48% p.a.

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2.59% p.a.

2.60% p.a.

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AcceleRATES Variable Home Loan

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UHomeLoan - Discount Offer

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Suncorp

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Bank of Queensland

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IMB Bank

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Fixed Home Loan

n/a

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HSBC

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2.29% p.a.
fixed 3 years

2.95% p.a.

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fixed 3 years

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UBank

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UHomeLoan (1 Year Fixed)

n/a

n/a

Suncorp

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Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.28% p.a.

Bank of Queensland

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Fixed Rate

2.25% p.a.
fixed 3 years

3.41% p.a.

IMB Bank

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Fixed Home Loan

2.39% p.a.
fixed 3 years

3.08% p.a.

AMP Bank

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Fixed Rate Loan (Professional Package)

2.49% p.a.
fixed 3 years

3.07% p.a.

loans.com.au

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Smart Home Loan

2.48% p.a.

2.50% p.a.

$0.00

Athena

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AcceleRATES Variable Home Loan

2.34% p.a.

2.34% p.a.

$0.00

UBank

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UHomeLoan - Discount Offer

2.49% p.a.

2.49% p.a.

$0.00

Homestar

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Star Essentials Home Loan

2.29% p.a.

2.32% p.a.

$0.00

Suncorp

Suncorp

Back to Basics

2.68% p.a.

2.69% p.a.

$0.00

Bank of Queensland

Bank of Queensland

Economy

2.59% p.a.

2.76% p.a.

$10.00 monthly

IMB Bank

IMB Bank

Budget Home Loan

2.61% p.a.

2.67% p.a.

$0.00

AMP Bank

AMP Bank

Variable Rate Loan (Professional Package)

2.59% p.a.

3.00% p.a.

$349.00 yearly

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.