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
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 90% | $150,000 | $249,999 |
| | Owner Occupier | Principal & Interest | < 80% | $250,000 | $499,999 |
| | Owner Occupier | Principal & Interest | < 80% | $500,000 | |
| | Owner Occupier | Principal & Interest | 80%-90% | $250,000 | $499,999 |
| | Owner Occupier | Principal & Interest | 80%-90% | $500,000 | |
| | Owner Occupier | Interest Only | < 80% | $150,000 | $249,999 |
| | Owner Occupier | Interest Only | < 80% | $250,000 | $499,999 |
| | Owner Occupier | Interest Only | < 80% | $500,000 | |
| | Investor | Principal & Interest | < 90% | $150,000 | $249,999 |
| | Investor | Principal & Interest | < 80% | $250,000 | $499,999 |
| | Investor | Principal & Interest | < 80% | $500,000 | |
| | Investor | Principal & Interest | 80%-90% | $250,000 | $499,999 |
| | Investor | Principal & Interest | 80%-90% | $500,000 | |
| | Investor | Interest Only | < 80% | $150,000 | $249,999 |
| | Investor | Interest Only | < 80% | $250,000 | $499,999 |
| | Investor | Interest Only | < 80% | $500,000 |
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
The Breakfree Package from ANZ has some attractive features, from a 100% offset 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.
The Breakfree package home loan bundles your home loan, credit card and bank account to give you great savings.
With the home loan itself, 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 3.49% (3.90% comparison rate*). Have an LVR of over 80% and the rate jumps by 20 basis points to 3.69% (4.09% comparison rate) for loans over $500,000.
Some of the home features available with the Breakfree package include an offset account, the ability to make extra repayments and redraw if needed, as well as the option to split your loan between fixed and variable options. Borrowers could also take a repayment holiday, should they need to (as long as they're ahead on repayments).
You can also tailor your repayments to suit you and your pay cycle, whether that's weekly, fortnightly or monthly.
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. You'll receive benefits such as having the account fee on your ANZ Access Advantage bank account waived ($5 in savings a month), receiving no annual fee on a ANZ Frequent Flyer Platinum Card ($240 in savings a year) and also paying zero loan approval fees ($600 in savings) and zero monthly loan administration charges ($60 in savings a year).
This home loan may suit borrowers who want to bundle their main banking products with the one provider to save on fees and also want access to a Big Bank branch network.
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.
3.89% p.a.
n/a
n/a
n/a
4.29% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$160.00
$150,000
$249,999
none
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
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.
3.59% p.a.
n/a
n/a
n/a
4.00% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$160.00
$250,000
$499,999
none
80.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
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.
3.49% p.a.
n/a
n/a
n/a
3.90% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$160.00
$500,000
none
none
80.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
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.
3.79% p.a.
n/a
n/a
n/a
4.19% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$160.00
$250,000
$499,999
80.00%
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
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.
3.69% p.a.
n/a
n/a
n/a
4.09% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$160.00
$500,000
none
80.00%
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
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.
4.44% p.a.
n/a
n/a
n/a
4.83% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$160.00
$150,000
$249,999
none
80.00%
Owner Occupier
Interest Only
Weekly, Fortnightly, Monthly
yes - free
yes
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.
4.14% p.a.
n/a
n/a
n/a
4.53% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$160.00
$250,000
$499,999
none
80.00%
Owner Occupier
Interest Only
Weekly, Fortnightly, Monthly
yes - free
yes
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.
4.04% 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
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$160.00
$500,000
none
none
80.00%
Owner Occupier
Interest Only
Weekly, Fortnightly, Monthly
yes - free
yes
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.
4.49% p.a.
n/a
n/a
n/a
4.88% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$160.00
$150,000
$249,999
none
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
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.
4.19% p.a.
n/a
n/a
n/a
4.58% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$160.00
$250,000
$499,999
none
80.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
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.
4.09% p.a.
n/a
n/a
n/a
4.48% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$160.00
$500,000
none
none
80.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
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.
4.24% p.a.
n/a
n/a
n/a
4.63% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$160.00
$250,000
$499,999
80.00%
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
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.
4.14% p.a.
n/a
n/a
n/a
4.53% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$160.00
$500,000
none
80.00%
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
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.
4.74% p.a.
n/a
n/a
n/a
5.12% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$160.00
$150,000
$249,999
none
80.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
yes
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.
4.44% p.a.
n/a
n/a
n/a
4.83% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$160.00
$250,000
$499,999
none
80.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
yes
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.
4.34% p.a.
n/a
n/a
n/a
4.73% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$395.00 yearly
$160.00
$500,000
none
none
80.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
yes
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.
ANZ‘s processing is the worst in the business. You risk losing your house if you want settlement within 5 weeks of your application. Don’t use them.
Read full reviewANZ‘s processing is the worst in the business. You risk losing your house if you want settlement within 5 weeks of your application. Don’t use them.
Generally pretty happy with ANZ. Interest rates on loans are competitive. I have a lot of banking with ANZ and just don’t find them to be very pro active in checking in with me.
Read full reviewGenerally pretty happy with ANZ. Interest rates on loans are competitive. I have a lot of banking with ANZ and just don’t find them to be very pro active in checking in with me.
They look after us, keep us informed and nothing is ever too hard or a bother.
Read full reviewThey look after us, keep us informed and nothing is ever too hard or a bother.
We refinanced to ANZ. There was no communication through settlement, it was rebooked twice without informing us. We were told that ANZ stuffed up the paperwork. It ended up costing us extra interest with the original bank. ANZ drew down the loan 1 day before the original bank discharged the loan, is that even legal? We requested a settlement statement and still haven’t received it. We were told the $4k rebate would be in our account within 48 hrs and it’s been two weeks, we’re still waiting. You can’t adjust anything within the APP, you have to log into online banking or call them. The technology is so far behind the competitors. Don’t recommend it at all, wish we stayed with ING
Read full reviewWe refinanced to ANZ. There was no communication through settlement, it was rebooked twice without informing us. We were told that ANZ stuffed up the paperwork. It ended up costing us extra interest with the original bank. ANZ drew down the loan 1 day before the original bank discharged the loan, is that even legal? We requested a settlement statement and still haven’t received it. We were told the $4k rebate would be in our account within 48 hrs and it’s been two weeks, we’re still waiting. You can’t adjust anything within the APP, you have to log into online banking or call them. The technology is so far behind the competitors. Don’t recommend it at all, wish we stayed with ING
It irritates me that less and less branches are open on weekends. I would like to see more flexibility for people who work full time.
Read full reviewIt irritates me that less and less branches are open on weekends. I would like to see more flexibility for people who work full time.
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
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
People's Choice Credit Union
Fixed Rate Home Loan (Package)
2.09% p.a.
fixed 3 years
3.67% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
People's Choice Credit Union
Fixed Rate Home Loan (Package)
2.09% p.a.
fixed 3 years
3.67% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
Bank of Queensland
Economy
2.59% p.a.
2.76% p.a.
People's Choice Credit Union
Fixed Rate Home Loan (Package)
2.09% p.a.
fixed 3 years
3.67% p.a.
Bank of Queensland
Fixed Rate
2.09% p.a.
fixed 3 years
3.01% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
$0.00
Yard
Variable Home Loan Special
2.09% p.a.
2.12% p.a.
$0.00
GMCU
Basic Variable
2.33% p.a.variable for 24 months and then 3.82% p.a.
3.71% p.a.
$8.00 monthly
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.
