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ANZ Variable Rate (Breakfree Package)

Advertiser disclosure

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

Rate
3.89% p.a.
Comparison Rate
4.29% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
3.59% p.a.
Comparison Rate
4.00% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
3.49% p.a.
Comparison Rate
3.90% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
3.79% p.a.
Comparison Rate
4.19% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
3.69% p.a.
Comparison Rate
4.09% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.44% p.a.
Comparison Rate
4.83% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.14% p.a.
Comparison Rate
4.53% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.04% p.a.
Comparison Rate
4.44% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.49% p.a.
Comparison Rate
4.88% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.19% p.a.
Comparison Rate
4.58% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.09% p.a.
Comparison Rate
4.48% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.24% p.a.
Comparison Rate
4.63% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.14% p.a.
Comparison Rate
4.53% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.74% p.a.
Comparison Rate
5.12% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.44% p.a.
Comparison Rate
4.83% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Rate
4.34% p.a.
Comparison Rate
4.73% p.a.
Service fee
$395.00 yearly
Upfront fee
$0

Mozo editorial review ANZ Variable Rate (Breakfree Package)

Last updated: 1 December 2020.

binocular icon
What's hot
  • Offset account, redraw and split loan options
  • Discounted variable interest rate
What's not
  • $395 annual package fee
Mozo snapshot

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. 

key icon
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 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). 




snapshot
Who is it good for

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.

question icon
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 15 April 2021. 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
  • 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

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

  • 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.

Details

Rates and fees information correct as at 15 April 2021. 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
  • 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

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

  • 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.

Details

Rates and fees information correct as at 15 April 2021. 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
  • 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

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

  • 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.

Details

Rates and fees information correct as at 15 April 2021. 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
  • 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

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

  • 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.

Details

Rates and fees information correct as at 15 April 2021. 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
  • 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

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

  • 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.

Details

Rates and fees information correct as at 15 April 2021. 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
  • 4.44% 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

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

  • 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.

Details

Rates and fees information correct as at 15 April 2021. 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
  • 4.14% 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

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

  • 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.

Details

Rates and fees information correct as at 15 April 2021. 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
  • 4.04% 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

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

  • 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.

Details

Rates and fees information correct as at 15 April 2021. 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
  • 4.49% 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

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

  • 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.

Details

Rates and fees information correct as at 15 April 2021. 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
  • 4.19% 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

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

  • 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.

Details

Rates and fees information correct as at 15 April 2021. 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
  • 4.09% 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

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

  • 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.

Details

Rates and fees information correct as at 15 April 2021. 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
  • 4.24% 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

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

  • 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.

Details

Rates and fees information correct as at 15 April 2021. 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
  • 4.14% 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

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

  • 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.

Details

Rates and fees information correct as at 15 April 2021. 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
  • 4.74% 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

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

  • 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.

Details

Rates and fees information correct as at 15 April 2021. 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
  • 4.44% 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

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

  • 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.

Details

Rates and fees information correct as at 15 April 2021. 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
  • 4.34% 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

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

  • 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.

Customer Reviews

How are ANZ home loans rated by the Mozo community?

Overall
6.9/10

Based on 4038 ANZ home loan reviews

Price
6.6/10
Features
6.5/10
Customer service
7.0/10
Convenience
7.6/10
Trust
6.7/10

Latest reviews of ANZ Variable Rate (Breakfree Package)

Thumbnail icon for 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

Thumbnail icon for loans.com.au

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.

Thumbnail icon for UBank

UBank

UHomeLoan (Fixed)

1.75% p.a.
fixed 3 years

2.22% p.a.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan (Fixed)

2.09% p.a.
fixed 3 years

2.43% p.a.

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

Thumbnail icon for Tic:Toc

Tic:Toc

Fixed Home Loan

1.99% p.a.
fixed 3 years

2.15% p.a.

Thumbnail icon for Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

1.98% p.a.
fixed 3 years

3.56% p.a.

Thumbnail icon for Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

1.98% p.a.
fixed 3 years

2.72% p.a.

Thumbnail icon for Well Home Loans

Well Home Loans

Well Balanced

2.17% p.a. variable

2.20% p.a.

Thumbnail icon for loans.com.au

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.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

Thumbnail icon for Tic:Toc

Tic:Toc

Fixed Home Loan

1.99% p.a.
fixed 3 years

2.15% p.a.

Thumbnail icon for Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

1.98% p.a.
fixed 3 years

3.56% p.a.

Thumbnail icon for homeloans.com.au

homeloans.com.au

Low Rate Home Loan

2.14% p.a. variable

2.16% p.a.

Thumbnail icon for Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

1.98% p.a.
fixed 3 years

2.72% p.a.

Thumbnail icon for UBank

UBank

UHomeLoan (Fixed)

1.75% p.a.
fixed 3 years

2.22% p.a.

Thumbnail icon for loans.com.au

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.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan

2.64% p.a.

2.64% p.a.

Thumbnail icon for UBank

UBank

UHomeLoan - Discount Offer

2.34% p.a.

2.34% p.a.

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

2.19% p.a.

2.19% p.a.

Thumbnail icon for homeloans.com.au

homeloans.com.au

Low Rate Home Loan

2.14% p.a.

2.16% p.a.

Thumbnail icon for Suncorp

Suncorp

Back to Basics

2.44% p.a.

2.45% p.a.

Thumbnail icon for Homestar

Homestar

Star Gold Home Loan

1.79% p.a.

1.84% p.a.

Thumbnail icon for Yard

Yard

Variable Home Loan Special

2.09% p.a.

2.12% p.a.

Thumbnail icon for loans.com.au

loans.com.au

Fixed Home Loan

1.99% p.a.
fixed 3 years

2.70% p.a.

Thumbnail icon for UBank

UBank

UHomeLoan (Fixed)

1.75% p.a.
fixed 3 years

2.22% p.a.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan (Fixed)

2.09% p.a.
fixed 3 years

2.43% p.a.

Thumbnail icon for Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

1.98% p.a.
fixed 3 years

3.56% p.a.

Thumbnail icon for HSBC

HSBC

Fixed Rate Home Loan (Home Loan Package)

2.09% p.a.
fixed 3 years

2.86% p.a.

Thumbnail icon for Homestar

Homestar

Star Classic Fixed Home Loan

n/a

n/a

Thumbnail icon for People's Choice Credit Union

People's Choice Credit Union

Fixed Rate Home Loan (Package)

1.89% p.a.
fixed 3 years

3.03% p.a.

Thumbnail icon for Well Home Loans

Well Home Loans

Well Balanced Fixed

2.04% p.a.
fixed 3 years

2.17% p.a.

Thumbnail icon for loans.com.au

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

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

2.19% p.a.

2.19% p.a.

$0.00

Thumbnail icon for Well Home Loans

Well Home Loans

Well Balanced

2.17% p.a.

2.20% p.a.

$0.00

Thumbnail icon for Homestar

Homestar

Star Gold Home Loan

1.79% p.a.

1.84% p.a.

$0.00

Thumbnail icon for homeloans.com.au

homeloans.com.au

Low Rate Home Loan

2.14% p.a.

2.16% p.a.

$0.00

Thumbnail icon for 86 400

86 400

Neat Home Loan

2.19% p.a.

2.20% p.a.

$0.00

Thumbnail icon for Suncorp

Suncorp

Back to Basics

2.44% p.a.

2.45% p.a.

$0.00

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

2.29% p.a.

2.23% 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.