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 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.
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 0.05% to 3.69% (4.09% comparison rate).
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.
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.
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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.
Overall the product is good but I find customer service is often difficult unless you are signing up to a new product.
Read full reviewOverall the product is good but I find customer service is often difficult unless you are signing up to a new product.
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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