ANZ Variable Rate (Breakfree Package)

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 between $150,000 and $249,999 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan between $250,000 and $499,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $500,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $250,000 and $499,999 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $500,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a interest only loan between $150,000 and $249,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $250,000 and $499,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan of at least $500,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $249,999 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan between $250,000 and $499,999 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $500,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $250,000 and $499,999 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan of at least $500,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $150,000 and $249,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $250,000 and $499,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan of at least $500,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 90%

    Loan: $150,000 $249,999

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $250,000 $499,999

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $500,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $250,000 $499,999

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $500,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $150,000 $249,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $250,000 $499,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $500,000

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $150,000 $249,999

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $250,000 $499,999

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $500,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $250,000 $499,999

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $500,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $150,000 $249,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $250,000 $499,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $500,000

4.43% p.a.

4.82% p.a.

$395.00 yearly

ANZ Variable Rate (Breakfree Package)

4.43% p.a.

4.82% p.a.

$395.00 yearly

4.13% p.a.

4.52% p.a.

$395.00 yearly

ANZ Variable Rate (Breakfree Package)

4.13% p.a.

4.52% p.a.

$395.00 yearly

4.03% p.a.

4.44% p.a.

$395.00 yearly

ANZ Variable Rate (Breakfree Package)

4.03% p.a.

4.44% p.a.

$395.00 yearly

4.18% p.a.

4.57% p.a.

$395.00 yearly

ANZ Variable Rate (Breakfree Package)

4.18% p.a.

4.57% p.a.

$395.00 yearly

4.08% p.a.

4.47% p.a.

$395.00 yearly

ANZ Variable Rate (Breakfree Package)

4.08% p.a.

4.47% p.a.

$395.00 yearly

4.98% p.a.

5.36% p.a.

$395.00 yearly

ANZ Variable Rate (Breakfree Package)

4.98% p.a.

5.36% p.a.

$395.00 yearly

4.68% p.a.

5.06% p.a.

$395.00 yearly

ANZ Variable Rate (Breakfree Package)

4.68% p.a.

5.06% p.a.

$395.00 yearly

4.58% p.a.

4.96% p.a.

$395.00 yearly

ANZ Variable Rate (Breakfree Package)

4.58% p.a.

4.96% p.a.

$395.00 yearly

5.03% p.a.

5.41% p.a.

$395.00 yearly

ANZ Variable Rate (Breakfree Package)

5.03% p.a.

5.41% p.a.

$395.00 yearly

4.73% p.a.

5.11% p.a.

$395.00 yearly

ANZ Variable Rate (Breakfree Package)

4.73% p.a.

5.11% p.a.

$395.00 yearly

4.63% p.a.

5.01% p.a.

$395.00 yearly

ANZ Variable Rate (Breakfree Package)

4.63% p.a.

5.01% p.a.

$395.00 yearly

4.78% p.a.

5.16% p.a.

$395.00 yearly

ANZ Variable Rate (Breakfree Package)

4.78% p.a.

5.16% p.a.

$395.00 yearly

4.68% p.a.

5.06% p.a.

$395.00 yearly

ANZ Variable Rate (Breakfree Package)

4.68% p.a.

5.06% p.a.

$395.00 yearly

5.49% p.a.

5.86% p.a.

$395.00 yearly

ANZ Variable Rate (Breakfree Package)

5.49% p.a.

5.86% p.a.

$395.00 yearly

5.19% p.a.

5.56% p.a.

$395.00 yearly

ANZ Variable Rate (Breakfree Package)

5.19% p.a.

5.56% p.a.

$395.00 yearly

5.09% p.a.

5.46% p.a.

$395.00 yearly

ANZ Variable Rate (Breakfree Package)

5.09% p.a.

5.46% p.a.

$395.00 yearly

Mozo Review   ANZ Variable Rate (Breakfree Package) Review

Last updated: 12 July 2019.

What's hot:
  • Offset account, redraw and split options

  • Discounted variable interest rate

  • No upfront fees

What's not:
  • $395 annual package fee

Mozo snapshot:

The Breakfree Package from ANZ has some fab features, from a 100% account to the ability to make extra repayments, for home loan seekers who are looking for great value but also want a big name bank. 

Key features:

The Breakfree package home loan bundles your home loan, credit card and bank account to give you great savings. 

With the home loan, the package gets you a discounted rate but there are a range of rates available depending on both your loan amount and the loan to value ratio. The most competitive rate is for loans over $500,000 with an LVR of 80% or less at 4.03% (4.44% comparison rate*). Have an LVR of over 80% and the rate jumps 0.05% to 4.08%. 

Some of the home features available with the Breakfree package include an offset account, the ability to make extra repayments and redraw if needed, split your loan between fixed and variable options and should you need (if you're ahead on repayments) to take a repayment holiday. 


You can tailor your repayments to suit you, and not the banks pay cycle so weekly, fortnightly and monthly options are available for repayments. 

There is a $395 annual package fee with the ANZ Variable Breakfree Package but the benefits you get by bundling should make up for this cost, especially if you choose to do all of your banking with ANZ. The account fee on your transaction account will be waived (a savings of $5 a month), no annual fee on a ANZ Frequent Flyer Platinum Card (a $295 saving) and you won't pay offset account or loan approval fees. 

Finally, apply for a home loan over $300,000 by 31 August 2019, and settle by 31 Jan 2020 and you could earn 300,000 bonus Qantas Points to add to your stash.

Who it's good for:

Borrowers who want to bundle their main banking products with the one provider to save on fees and want access to a Big Bank branch network.

Any catches?

As with any package, just be sure that you are not paying for things you don't or will never use. Be sure to take advantage of all of the benefits offered by ANZ to bundle your home loan with your credit card and transaction account.

Details

Rates and fees information correct as at 18 August 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
  • 4.43% p.a.

  • n/a

  • n/a

  • n/a

  • 4.82% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $0.00

  • yes

  • yes

  • none

  • none

  • Apply for a home loan over $300,000 by 31 August 2019, and settle by 31 Jan 2020 to earn 300,000 Qantas Points.

*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 18 August 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
  • 4.13% p.a.

  • n/a

  • n/a

  • n/a

  • 4.52% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $250,000

  • $499,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $0.00

  • yes

  • yes

  • none

  • none

  • Apply for a home loan over $300,000 by 31 August 2019, and settle by 31 Jan 2020 to earn 300,000 Qantas Points.

*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 18 August 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
  • 4.03% p.a.

  • n/a

  • n/a

  • n/a

  • 4.44% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $500,000

  • none

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $0.00

  • yes

  • yes

  • none

  • none

  • Apply for a home loan over $300,000 by 31 August 2019, and settle by 31 Jan 2020 to earn 300,000 Qantas Points.

*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 18 August 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
  • 4.18% p.a.

  • n/a

  • n/a

  • n/a

  • 4.57% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $250,000

  • $499,999

  • 80.00%

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $0.00

  • yes

  • yes

  • none

  • none

  • Apply for a home loan over $300,000 by 31 August 2019, and settle by 31 Jan 2020 to earn 300,000 Qantas Points.

*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 18 August 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
  • 4.08% p.a.

  • n/a

  • n/a

  • n/a

  • 4.47% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $500,000

  • none

  • 80.00%

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $0.00

  • yes

  • yes

  • none

  • none

  • Apply for a home loan over $300,000 by 31 August 2019, and settle by 31 Jan 2020 to earn 300,000 Qantas Points.

*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 18 August 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
  • 4.98% p.a.

  • n/a

  • n/a

  • n/a

  • 5.36% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $0.00

  • yes

  • yes

  • none

  • none

  • Apply for a home loan over $300,000 by 31 August 2019, and settle by 31 Jan 2020 to earn 300,000 Qantas Points.

*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 18 August 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
  • 4.68% p.a.

  • n/a

  • n/a

  • n/a

  • 5.06% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $250,000

  • $499,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $0.00

  • yes

  • yes

  • none

  • none

  • Apply for a home loan over $300,000 by 31 August 2019, and settle by 31 Jan 2020 to earn 300,000 Qantas Points.

*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 18 August 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
  • 4.58% p.a.

  • n/a

  • n/a

  • n/a

  • 4.96% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $500,000

  • none

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $0.00

  • yes

  • yes

  • none

  • none

  • Apply for a home loan over $300,000 by 31 August 2019, and settle by 31 Jan 2020 to earn 300,000 Qantas Points.

*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 18 August 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
  • 5.03% p.a.

  • n/a

  • n/a

  • n/a

  • 5.41% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $0.00

  • yes

  • yes

  • none

  • none

  • Apply for a home loan over $300,000 by 31 August 2019, and settle by 31 Jan 2020 to earn 300,000 Qantas Points.

*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 18 August 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
  • 4.73% p.a.

  • n/a

  • n/a

  • n/a

  • 5.11% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $250,000

  • $499,999

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $0.00

  • yes

  • yes

  • none

  • none

  • Apply for a home loan over $300,000 by 31 August 2019, and settle by 31 Jan 2020 to earn 300,000 Qantas Points.

*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 18 August 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
  • 4.63% p.a.

  • n/a

  • n/a

  • n/a

  • 5.01% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $500,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $0.00

  • yes

  • yes

  • none

  • none

  • Apply for a home loan over $300,000 by 31 August 2019, and settle by 31 Jan 2020 to earn 300,000 Qantas Points.

*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 18 August 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
  • 4.78% p.a.

  • n/a

  • n/a

  • n/a

  • 5.16% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $250,000

  • $499,999

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $0.00

  • yes

  • yes

  • none

  • none

  • Apply for a home loan over $300,000 by 31 August 2019, and settle by 31 Jan 2020 to earn 300,000 Qantas Points.

*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 18 August 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
  • 4.68% p.a.

  • n/a

  • n/a

  • n/a

  • 5.06% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $500,000

  • none

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $0.00

  • yes

  • yes

  • none

  • none

  • Apply for a home loan over $300,000 by 31 August 2019, and settle by 31 Jan 2020 to earn 300,000 Qantas Points.

*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 18 August 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
  • 5.49% p.a.

  • n/a

  • n/a

  • n/a

  • 5.86% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $0.00

  • yes

  • yes

  • none

  • none

  • Apply for a home loan over $300,000 by 31 August 2019, and settle by 31 Jan 2020 to earn 300,000 Qantas Points.

*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 18 August 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
  • 5.19% p.a.

  • n/a

  • n/a

  • n/a

  • 5.56% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $250,000

  • $499,999

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $0.00

  • yes

  • yes

  • none

  • none

  • Apply for a home loan over $300,000 by 31 August 2019, and settle by 31 Jan 2020 to earn 300,000 Qantas Points.

*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 18 August 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
  • 5.09% p.a.

  • n/a

  • n/a

  • n/a

  • 5.46% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $395.00 yearly

  • $160.00

Other financial bits
  • $500,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes

  • $0.00

  • yes

  • yes

  • none

  • none

  • Apply for a home loan over $300,000 by 31 August 2019, and settle by 31 Jan 2020 to earn 300,000 Qantas Points.

*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 3845 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 Variable Rate (Breakfree Package)

  • Overall
    6/10
    Great bank a few years ago, not so much now

    ANZ were good in the beginning when I signed up but they keep changing their processes and...

    ANZ were good in the beginning when I signed up but they keep changing their processes and requirements for any change or updates. Customer service are polite enough but they do not have the capabilities to make any proper action.

    Price
    8/10
    Features
    3/10
    Customer service
    8/10
    Convenience
    10/10
    Trust
    8/10

    Lisa | Victoria

    reviewed 8 months ago

  • Overall
    10/10
    Extremely competitive and fantastic service

    Our experience with ANZ has been great. They came to us and refinanced our home loan at a very...

    Our experience with ANZ has been great. They came to us and refinanced our home loan at a very competitive rate and the staff are absolutely wonderful and always happy to help.

    Price
    9/10
    Features
    10/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    10/10

    Marissa | Queensland

    reviewed about 1 year ago

  • Overall
    6/10
    Satisfied with the product

    Reasonably happy with the product. Satisfied with the customer service. The rates are...

    Reasonably happy with the product. Satisfied with the customer service. The rates are competitive, as with all the big banks.

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

    Bradley | Victoria

    reviewed over 1 year ago

  • Overall
    7/10
    ANZ are very responsive

    ANZ have been very responsive with any questions and we’re happy to reduce my rate when I called...

    ANZ have been very responsive with any questions and we’re happy to reduce my rate when I called for a review recently.

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

    Sally | Victoria

    reviewed over 1 year ago

  • Overall
    10/10
    ANZ is the best bank ever

    ANZ is a brilliant bank. They have always been great and helpful to me.

    ANZ is a brilliant bank. They have always been great and helpful to me.

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

    Sally | Western Australia

    reviewed over 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

3.03% p.a. variable

3.05% p.a.

$520

Promoted

UBank

UBank

UHomeLoan - Discount Offer

3.09% p.a. variable

3.09% p.a.

$0

Promoted

Athena

Athena

Variable Home Loan

3.09% p.a. variable

3.05% p.a.

$0

Promoted

ME

ME

Flexible Home Loan (Member Package)

3.39% p.a. variable

3.83% p.a.

$200

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.99% p.a. variable

3.02% p.a.

$596

Promoted

HSBC

HSBC

Home Value Loan

3.27% p.a. variable

3.28% p.a.

$150

Promoted

Suncorp

Suncorp

Back to Basics

3.29% p.a. variable

3.30% p.a.

$0

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.99% p.a.
fixed 3 years

4.09% p.a.

$450

Promoted

loans.com.au

loans.com.au

Smart Home Loan

3.03% p.a.

3.05% p.a.

$520

Promoted

UBank

UBank

UHomeLoan - Discount Offer

3.09% p.a.

3.09% p.a.

$0

Promoted

ME

ME

Flexible Home Loan (Member Package)

3.39% p.a.

3.83% p.a.

$200

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.99% p.a.

3.02% p.a.

$596

Promoted

Athena

Athena

Variable Home Loan

3.09% p.a.

3.05% p.a.

$0

Promoted

Tic:Toc

Tic:Toc

Variable Home Loan

2.99% p.a.

3.00% p.a.

$0

Promoted

Bank of Queensland

Bank of Queensland

2 Year Intro Rate Variable Home Loan

3.39% p.a.variable for 24 months and then 3.86% p.a.

3.91% p.a.

$150

Promoted

HSBC

HSBC

Home Value Loan

3.27% p.a.

3.28% p.a.

$150

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.99% p.a.
fixed 3 years

4.09% p.a.

$450

Promoted

UBank

UBank

UHomeLoan (Fixed)

2.99% p.a.
fixed 3 years

3.45% p.a.

$395

Promoted

QBANK

QBANK

Fixed Rate

3.34% p.a.
fixed 3 years

3.98% p.a.

$195

Promoted

ME

ME

Flexible Home Loan (Fixed, Member Package)

3.18% p.a.
fixed 3 years

3.87% p.a.

$200

Promoted

IMB Bank

IMB Bank

Fixed Home Loan

3.19% p.a.
fixed 3 years

4.11% p.a.

$799

Promoted

loans.com.au

loans.com.au

Fixed Home Loan

3.19% p.a.
fixed 3 years

3.43% p.a.

$520

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

3.24% p.a.
fixed 3 years

4.15% p.a.

$0

Promoted

Tic:Toc

Tic:Toc

Fixed Home Loan

n/a

n/a

$0

Promoted

loans.com.au

loans.com.au

Smart Home Loan

3.03% p.a.

3.05% p.a.

$0.00

Promoted

UBank

UBank

UHomeLoan - Discount Offer

3.09% p.a.

3.09% p.a.

$0.00

Promoted

Athena

Athena

Variable Home Loan

3.09% p.a.

3.05% p.a.

$0.00

Promoted

ME

ME

Flexible Home Loan (Member Package)

3.39% p.a.

3.83% p.a.

$395.00 yearly

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.99% p.a.

3.02% p.a.

$0.00

Promoted

HSBC

HSBC

Home Value Loan

3.27% p.a.

3.28% p.a.

$0.00

Promoted

Suncorp

Suncorp

Back to Basics

3.29% p.a.

3.30% p.a.

$0.00

Promoted

Tic:Toc

Tic:Toc

Variable Home Loan

2.99% p.a.

3.00% 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.