The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan of at least $150,000 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 | < 80% | $150,000 | |
| | Owner Occupier | Principal & Interest | 80%-90% | $150,000 | |
| | Owner Occupier | Interest Only | < 80% | $150,000 | |
| | Investor | Principal & Interest | < 80% | $150,000 | |
| | Investor | Principal & Interest | 80%-90% | $150,000 | |
| | Investor | Interest Only | < 80% | $150,000 |
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $150,000
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan: $150,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $150,000
Investor (Principal & Interest)
LVR < 80%
Loan: $150,000
Investor (Principal & Interest)
LVR 80%-90%
Loan: $150,000
Investor (Interest Only)
LVR < 80%
Loan: $150,000
The Breakfree Package from ANZ comes with a low variable rate of 2.99% p.a. (3.42% p.a. comparison rate*), available to those borrowing 80% or less of a property's value. It also comes with some attractive features, from a 100% offset account to 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.
The Breakfree package home loan bundles your home loan, credit card and bank account to give you great savings. Borrowers will be able to take advantage of a competitive 2.99% p.a. variable rate (3.42% p.a. comparison rate*), available on <80% LVR loans.
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 can 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.
| 2.99% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.42% 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 | |
| none | |
| none | |
| 80.00% |
| Owner Occupier | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| yes | |
| yes - free | |
| $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.
| 3.19% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.61% 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 | |
| none | |
| 80.00% | |
| 90.00% |
| Owner Occupier | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| yes | |
| yes - free | |
| $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.
| 3.34% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.75% 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 | |
| none | |
| none | |
| 80.00% |
| Owner Occupier | |
| Interest Only | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| yes | |
| yes - free | |
| $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 |
| $150,000 | |
| none | |
| none | |
| 80.00% |
| Investor | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| yes | |
| yes - free | |
| $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 |
| $150,000 | |
| none | |
| 80.00% | |
| 90.00% |
| Investor | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| yes | |
| yes - free | |
| $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 |
| $150,000 | |
| none | |
| none | |
| 80.00% |
| Investor | |
| Interest Only | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| yes | |
| yes - free | |
| $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.
They keep changing the goal posts.
Read full reviewThey keep changing the goal posts.
They do not initially try to give you their best offer. Interest rates can change after their monthly meetings. Do not pass on interest rate cuts. Offers a reduced interest rate but then you have to pay an annual fee to get this.
Read full reviewThey do not initially try to give you their best offer. Interest rates can change after their monthly meetings. Do not pass on interest rate cuts. Offers a reduced interest rate but then you have to pay an annual fee to get this.
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.
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$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.
