ANZ Variable Rate (Breakfree Package)
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 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
4.70% p.a.
5.08% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
4.70% p.a.
5.08% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
4.70% p.a.
5.08% p.a.
$395.00 yearly
4.40% p.a.
4.79% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
4.40% p.a.
4.79% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
4.40% p.a.
4.79% p.a.
$395.00 yearly
4.30% p.a.
4.69% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
4.30% p.a.
4.69% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
4.30% p.a.
4.69% p.a.
$395.00 yearly
4.45% p.a.
4.84% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
4.45% p.a.
4.84% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
4.45% p.a.
4.84% p.a.
$395.00 yearly
4.35% p.a.
4.74% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
4.35% p.a.
4.74% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
4.35% p.a.
4.74% p.a.
$395.00 yearly
5.25% p.a.
5.62% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
5.25% p.a.
5.62% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
5.25% p.a.
5.62% p.a.
$395.00 yearly
4.95% p.a.
5.33% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
4.95% p.a.
5.33% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
4.95% p.a.
5.33% p.a.
$395.00 yearly
4.85% p.a.
5.23% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
4.85% p.a.
5.23% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
4.85% p.a.
5.23% p.a.
$395.00 yearly
5.30% p.a.
5.67% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
5.30% p.a.
5.67% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
5.30% p.a.
5.67% p.a.
$395.00 yearly
5.00% p.a.
5.38% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
5.00% p.a.
5.38% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
5.00% p.a.
5.38% p.a.
$395.00 yearly
4.90% p.a.
5.28% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
4.90% p.a.
5.28% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
4.90% p.a.
5.28% p.a.
$395.00 yearly
5.05% p.a.
5.43% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
5.05% p.a.
5.43% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
5.05% p.a.
5.43% p.a.
$395.00 yearly
4.95% p.a.
5.33% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
4.95% p.a.
5.33% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
4.95% p.a.
5.33% p.a.
$395.00 yearly
5.76% p.a.
6.12% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
5.76% p.a.
6.12% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
5.76% p.a.
6.12% p.a.
$395.00 yearly
5.46% p.a.
5.83% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
5.46% p.a.
5.83% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
5.46% p.a.
5.83% p.a.
$395.00 yearly
5.36% p.a.
5.73% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
5.36% p.a.
5.73% p.a.
$395.00 yearly
ANZ Variable Rate (Breakfree Package)
5.36% p.a.
5.73% p.a.
$395.00 yearly
Mozo Review ANZ Variable Rate (Breakfree Package) Review
Last updated: 10 August 2018.
What's hot:
Offset account, redraw and split options
Discounted variable interest rate
Mozo Experts Choice Awards Winner 2018 - Major Bank Home Lender of the Year
What's not:
$395 annual package fee
Mozo snapshot:
The Breakfree Package from ANZ has some fab features for home loan seekers who are looking for great value but also want a big name bank. In fact, ANZ won a range of awards in the 2018 Mozo Experts Choice Awards, and took out the top spot as the Home Loan Major Bank of the Year.
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 4.30%. Have an LVR of over 80% and the rate jumps 0.05% to 4.35%.
If you are borrowing between $250K - $500K with an LVR of 80% or less (the category we looked at for our Experts Choice Awards) the rate is 4.40%, with and LVR over 80% and the rate is 4.45%.
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.
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 20 September 2018.
Rates
-
4.70% p.a.
-
n/a
-
0 Months
-
none
-
5.08% 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
-
none
-
$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
Details
Rates and fees information correct as at 20 September 2018.
Rates
-
4.40% p.a.
-
n/a
-
0 Months
-
none
-
4.79% 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
-
none
-
$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
Details
Rates and fees information correct as at 20 September 2018.
Rates
-
4.30% p.a.
-
n/a
-
0 Months
-
none
-
4.69% 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
-
none
-
$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
Details
Rates and fees information correct as at 20 September 2018.
Rates
-
4.45% p.a.
-
n/a
-
0 Months
-
none
-
4.84% 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
-
none
-
$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
Details
Rates and fees information correct as at 20 September 2018.
Rates
-
4.35% p.a.
-
n/a
-
0 Months
-
none
-
4.74% 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
-
none
-
$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
Details
Rates and fees information correct as at 20 September 2018.
Rates
-
5.25% p.a.
-
n/a
-
0 Months
-
none
-
5.62% 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
-
none
-
$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
Details
Rates and fees information correct as at 20 September 2018.
Rates
-
4.95% p.a.
-
n/a
-
0 Months
-
none
-
5.33% 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
-
none
-
$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
Details
Rates and fees information correct as at 20 September 2018.
Rates
-
4.85% p.a.
-
n/a
-
0 Months
-
none
-
5.23% 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
-
none
-
$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
Details
Rates and fees information correct as at 20 September 2018.
Rates
-
5.30% p.a.
-
n/a
-
0 Months
-
none
-
5.67% 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
-
none
-
$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
Details
Rates and fees information correct as at 20 September 2018.
Rates
-
5.00% p.a.
-
n/a
-
0 Months
-
none
-
5.38% 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
-
none
-
$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
Details
Rates and fees information correct as at 20 September 2018.
Rates
-
4.90% p.a.
-
n/a
-
0 Months
-
none
-
5.28% 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
-
none
-
$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
Details
Rates and fees information correct as at 20 September 2018.
Rates
-
5.05% p.a.
-
n/a
-
0 Months
-
none
-
5.43% 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
-
none
-
$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
Details
Rates and fees information correct as at 20 September 2018.
Rates
-
4.95% p.a.
-
n/a
-
0 Months
-
none
-
5.33% 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
-
none
-
$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
Details
Rates and fees information correct as at 20 September 2018.
Rates
-
5.76% p.a.
-
n/a
-
0 Months
-
none
-
6.12% 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
-
none
-
$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
Details
Rates and fees information correct as at 20 September 2018.
Rates
-
5.46% p.a.
-
n/a
-
0 Months
-
none
-
5.83% 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
-
none
-
$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
Details
Rates and fees information correct as at 20 September 2018.
Rates
-
5.36% p.a.
-
n/a
-
0 Months
-
none
-
5.73% 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
-
none
-
$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
Customer Reviews
How are ANZ home loans rated by the Mozo community?
Latest reviews of ANZ Variable Rate (Breakfree Package)
- Overall10/10
Extremely competitive and fantastic service
Our experience with ANZ has been great. They came to us and refinanced our home loan at a very...
Read full review
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.
Price9/10Features10/10Customer service9/10Convenience9/10Trust10/10Less
Marissa | Queensland
reviewed about 1 month ago
- Overall6/10
Satisfied with the product
Reasonably happy with the product. Satisfied with the customer service. The rates are...
Read full review
Reasonably happy with the product. Satisfied with the customer service. The rates are competitive, as with all the big banks.
Price6/10Features7/10Customer service6/10Convenience7/10Trust5/10Less
Bradley | Victoria
reviewed 6 months ago
- Overall7/10
ANZ are very responsive
ANZ have been very responsive with any questions and we’re happy to reduce my rate when I called...
Read full review
ANZ have been very responsive with any questions and we’re happy to reduce my rate when I called for a review recently.
Price7/10Features7/10Customer service8/10Convenience7/10Trust7/10Less
Sally | Victoria
reviewed 6 months ago
- Overall10/10
ANZ is the best bank ever
ANZ is a brilliant bank. They have always been great and helpful to me.
Read full review
ANZ is a brilliant bank. They have always been great and helpful to me.
Price10/10Features10/10Customer service10/10Convenience10/10Trust10/10Less
Sally | Western Australia
reviewed 7 months ago
- Overall8/10
Competitive, but customer service could be better
ANZ is a very efficient, convenient and professional bank. I however believe their customer...
Read full review
ANZ is a very efficient, convenient and professional bank. I however believe their customer service can be improved - the reason being as follows. Since my husband and myself were made redundant at the same time, we found it hard for those few months to pay our mortgage, so we applied for hardship. I found the customer service a bit harsh to us as a couple with a child in a hard situation. Especially since we have always been paying our mortgage on time for the previous 4 years. Although I am aware that there are clients who misuse the system sometimes, it would be great if their customer service were a bit more empathetic to people on a situational basis.
Price8/10Features8/10Customer service6/10Convenience9/10Trust8/10Less
Arputha | Victoria
reviewed 7 months ago
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
