Choose the version of this loan that suits you best
Availability | Loan type | LVR | Min loan amount | Max loan amount | |
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Owner Occupier | Principal & Interest | < 80% | $150,000 | |
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Owner Occupier | Principal & Interest | 80%-95% | $150,000 | |
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Owner Occupier | Interest Only | < 80% | $150,000 | |
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Investor | Principal & Interest | < 80% | $150,000 | |
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Investor | Principal & Interest | 80%-95% | $150,000 | |
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Investor | Interest Only | < 80% | $150,000 | |
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Investor | Interest Only | 80%-95% | $150,000 |
The Standard Variable Rate Home Loan from ANZ comes with a low variable rate of 7.24% p.a. (7.24% p.a. comparison rate*), available to those borrowing 80% or less of a property's value. It also comes with some attractive features, such as an offset account and 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. Plus, borrowers may also be eligible for $2,000 cashback when refinancing.
ANZ's Standard Variable Rate Home Loan offers a competitive 7.24% p.a. (7.24% p.a. comparison rate*), available on <80% LVR loans. Repayments can be tailored to suit you and your pay cycle, whether that's weekly, fortnightly or monthly. There's also a range of helpful features on offer to help you save on interest and reduce stress.
This includes the ability to make free extra repayments and redraw if needed, split your loan between fixed and variable options, take a repayment holiday (as long as you're ahead on repayments), and for eligible borrowers looking to refinance, there's a $2,000 cashback offer up for grabs (T&Cs apply). Borrowers can also take advantage of an offset account, however this will cost an extra $10 per month.
This home loan may suit borrowers who want a competitive variable rate and access to a Big Bank branch network.
While this home loan is light on fees, borrowers will still have to budget for the $160 discharge
7.24% p.a. |
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n/a |
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n/a |
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n/a |
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7.25% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
$0.00 |
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$0.00 |
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$0.00 |
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$160.00 |
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n/a |
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$0.00 |
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$160.00 |
$150,000 |
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none |
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none |
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80.00% |
Owner Occupier |
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Principal & Interest |
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Weekly, Fortnightly, Monthly |
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yes - free |
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yes |
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yes - free |
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$0.00 |
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yes |
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Optional - $10 per month |
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none |
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none |
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$3,000 cashback for eligible First Home Buyers, $2,000 cashback when you refinance loans of $250k+, apply from 1 Dec 2022, settle within 180 days. |
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.
7.44% p.a. |
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n/a |
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n/a |
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n/a |
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7.45% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
$0.00 |
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$0.00 |
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$0.00 |
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$160.00 |
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n/a |
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$0.00 |
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$160.00 |
$150,000 |
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none |
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80.00% |
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95.00% |
Owner Occupier |
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Principal & Interest |
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Weekly, Fortnightly, Monthly |
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yes - free |
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yes |
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yes - free |
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$0.00 |
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yes |
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Optional - $10 per month |
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none |
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none |
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$3,000 cashback for eligible First Home Buyers, loans of $250k+, apply from 1 Dec 2022, settle within 180 days. |
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.
7.79% p.a. |
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n/a |
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n/a |
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n/a |
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7.80% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
$0.00 |
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$0.00 |
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$0.00 |
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$160.00 |
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n/a |
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$0.00 |
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$160.00 |
$150,000 |
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none |
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none |
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80.00% |
Owner Occupier |
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Interest Only |
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Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
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yes - free |
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$0.00 |
|
yes |
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Optional - $10 per month |
|
none |
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none |
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$3,000 cashback for eligible First Home Buyers, $2,000 cashback when you refinance loans of $250k+, apply from 1 Dec 2022, settle within 180 days. |
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.
7.84% p.a. |
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n/a |
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n/a |
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n/a |
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7.85% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
$0.00 |
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$0.00 |
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$0.00 |
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$160.00 |
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n/a |
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$0.00 |
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$160.00 |
$150,000 |
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none |
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none |
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80.00% |
Investor |
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Principal & Interest |
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Weekly, Fortnightly, Monthly |
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yes - free |
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yes |
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yes - free |
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$0.00 |
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yes |
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Optional - $10 per month |
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none |
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none |
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Up to $2,000 cashback for eligible refinances of $250k+ to ANZ. |
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.
8.04% p.a. |
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n/a |
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n/a |
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n/a |
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8.05% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
$0.00 |
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$0.00 |
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$0.00 |
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$160.00 |
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n/a |
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$0.00 |
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$160.00 |
$150,000 |
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none |
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80.00% |
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95.00% |
Investor |
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Principal & Interest |
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Weekly, Fortnightly, Monthly |
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yes - free |
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yes |
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yes - free |
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$0.00 |
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yes |
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Optional - $10 per month |
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none |
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none |
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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.
8.09% p.a. |
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n/a |
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n/a |
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n/a |
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8.10% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
$0.00 |
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$0.00 |
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$0.00 |
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$160.00 |
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n/a |
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$0.00 |
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$160.00 |
$150,000 |
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none |
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none |
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80.00% |
Investor |
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Interest Only |
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Weekly, Fortnightly, Monthly |
|
yes - free |
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yes |
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yes - free |
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$0.00 |
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yes |
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Optional - $10 per month |
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none |
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none |
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Up to $2,000 cashback for eligible refinances of $250k+ to ANZ. |
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.
8.29% p.a. |
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n/a |
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n/a |
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n/a |
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8.30% p.a. |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
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n/a |
$0.00 |
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$0.00 |
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$0.00 |
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$160.00 |
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n/a |
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$0.00 |
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$160.00 |
$150,000 |
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none |
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80.00% |
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95.00% |
Investor |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
Optional - $10 per month |
|
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.
Had a home loan for almost 20 years with the ANZ, never been behind or had any issues. I currently am having time off work to care for my sick child who recently spent time in intensive care. I applied to change my loan to an interest-only loan to get by during this time, after jumping through multiple hoops and dealing with unhelpful staff, they declined it saying I don't have enough money to pay a lower amount on my mortgage than I am already paying. How does that make any sense? No customer service and there is absolutely no point being loyal to them, they have no loyalty to you.
Read full reviewHad a home loan for almost 20 years with the ANZ, never been behind or had any issues. I currently am having time off work to care for my sick child who recently spent time in intensive care. I applied to change my loan to an interest-only loan to get by during this time, after jumping through multiple hoops and dealing with unhelpful staff, they declined it saying I don't have enough money to pay a lower amount on my mortgage than I am already paying. How does that make any sense? No customer service and there is absolutely no point being loyal to them, they have no loyalty to you.
have to live week to week and sometimes not even that happens and we have to borrow from family till next pay day. Please ANZ, bring the rates down and match the Aussie wages
Read full reviewhave to live week to week and sometimes not even that happens and we have to borrow from family till next pay day. Please ANZ, bring the rates down and match the Aussie wages
We went with ANZ for its simple to use and easy features. The customer service was fantastic. Our agent helped up to understand our home loan and the best rate to go with. We are extremely happy with ANZ additionally due to its services that allow us to transfer money internationally.
Read full reviewWe went with ANZ for its simple to use and easy features. The customer service was fantastic. Our agent helped up to understand our home loan and the best rate to go with. We are extremely happy with ANZ additionally due to its services that allow us to transfer money internationally.
They have removed the benefits from the accounts I had eg. They removed the offset features which was disappointing
Read full reviewThey have removed the benefits from the accounts I had eg. They removed the offset features which was disappointing
Not loyal or supportive to long term customers during the interest rate hike
Read full reviewNot loyal or supportive to long term customers during the interest rate hike
Fixed Rate
p.a.
7.06% p.a.
$0.00
Home Value Loan
6.09% p.a. variable
6.09% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Mortgage Simplifier
6.14% p.a. variable
6.17% p.a.
Elevate
6.09% p.a. variable
6.20% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Elevate
6.09% p.a.
6.20% p.a.
Mortgage Simplifier
6.14% p.a.
6.17% p.a.
Express Home Loan (Fixed)
6.04% p.a.
fixed 3 years
6.15% p.a.
Express Home Loan (Fixed)
6.54% p.a.
fixed 3 years
6.38% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Express Home Loan (Fixed)
6.54% p.a.
fixed 3 years
6.38% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Home Value Loan
6.09% p.a.
6.09% p.a.
$0.00
Mortgage Simplifier
6.14% p.a.
6.17% p.a.
$0.00
Elevate
6.09% p.a.
6.20% 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.