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ANZ home loan reviews

ANZ
ANZ's overall rating for home loans

(as rated by the Mozo community)

6.9 / 10

based on 3845 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from ANZ

ANZ Fixed Rate (Investment, Interest Only)

interest rate

4.14% p.a.
fixed 3 years

comparison rate*

5.63% p.a.

upfront fees

$600

 Contact provider or click here for more ANZ home loans

Recent ANZ home loan reviews

ANZ

ANZ Simplicity PLUS Special Offer (Owner Occupier, Principal & Interest) Simplicity PLUS review

Overall rating   2 / 10

Bad interest rates

Their low doc loans are great but the interest rates are too high.

Full review

Their low doc loans are great but the interest rates are too high.

    Price   3 / 10

    Features   5 / 10

    Customer service   2 / 10

    Convenience   3 / 10

    Trust   3 / 10

Less

Louis, Victoria, reviewed 9 days ago

ANZ

ANZ Simplicity PLUS Special Offer (Owner Occupier, Principal & Interest) Simplicity PLUS review

Overall rating   0 / 10

Horrible

They are horrible

Full review

They are horrible

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Kasie, New South Wales, reviewed 9 days ago

ANZ

ANZ Home Loan review

Overall rating   8 / 10

Good to have a real person to deal with

The people there are good and easy to talk to. They are always giving me advice on how to better plan my finances.

Full review

The people there are good and easy to talk to. They are always giving me advice on how to better plan my finances.

    Price   8 / 10

    Features   6 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Lyndell, New South Wales, reviewed 9 days ago

ANZ

ANZ Standard Variable Rate (Owner Occupier, Principal & Interest) Standard Variable Rate review

Overall rating   10 / 10

Very competent staff at Seaford branch

Very happy with ANZ. Recently paid off my mortgage and had no problems finalising my account.

Full review

Very happy with ANZ. Recently paid off my mortgage and had no problems finalising my account.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Gloria, South Australia, reviewed 8 months ago

ANZ

ANZ Variable Rate (Owner Occupier, Principal & Interest, $150,000-$249,999) (Breakfree Package) Variable Rate (Breakfree Package) review

Overall rating   6 / 10

Great bank a few years ago, not so much now

ANZ were good in the beginning when I signed up but they keep changing their processes and requirements for any change or updates. Customer service are polite enough but they do not have the capabilities to make any proper action.

Full review

ANZ were good in the beginning when I signed up but they keep changing their processes and requirements for any change or updates. Customer service are polite enough but they do not have the capabilities to make any proper action.

    Price   8 / 10

    Features   3 / 10

    Customer service   8 / 10

    Convenience   10 / 10

    Trust   8 / 10

Less

Lisa, Victoria, reviewed 8 months ago

ANZ

ANZ Standard Variable Rate (Owner Occupier, Principal & Interest) Standard Variable Rate review

Overall rating   9 / 10

Fantastic bank

ANZ gave us the best loan possible at the time and have continued to help us even through financial hardship. Highly recommended.

Full review

ANZ gave us the best loan possible at the time and have continued to help us even through financial hardship. Highly recommended.

    Price   9 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   8 / 10

Less

Dimi, New South Wales, reviewed 9 months ago

ANZ

ANZ Fixed Rate (Owner Occupier, Principal & Interest) Fixed Rate review

Overall rating   10 / 10

Excellent

ANZ provide very good service.

Full review

ANZ provide very good service.

    Price   10 / 10

    Features   0 / 10

    Customer service   6 / 10

    Convenience   7 / 10

    Trust   10 / 10

Less

Jacquie, New South Wales, reviewed 9 months ago

ANZ

ANZ Fixed Rate (Owner Occupier, Principal & Interest) Fixed Rate review

Overall rating   2 / 10

Not bad

As long as you pay they're not bad.

Full review

As long as you pay they're not bad.

    Price   3 / 10

    Features   3 / 10

    Customer service   5 / 10

    Convenience   4 / 10

    Trust   6 / 10

Less

Chris, Victoria, reviewed 9 months ago

ANZ

ANZ Simplicity PLUS Special Offer (Owner Occupier, Principal & Interest) Simplicity PLUS review

Overall rating   5 / 10

Convenient location

They respond quickly.

Full review

They respond quickly.

    Price   4 / 10

    Features   2 / 10

    Customer service   6 / 10

    Convenience   5 / 10

    Trust   2 / 10

Less

Chris, Victoria, reviewed 9 months ago

ANZ

ANZ Home Loan review

Overall rating   10 / 10

Great Service and very personable manager

Great service from the friendly bank manager Darren Perry.

Full review

Great service from the friendly bank manager Darren Perry.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Fiona, Victoria, reviewed 9 months ago

ANZ

ANZ Fixed Rate (Owner Occupier, Principal & Interest) Fixed Rate review

Overall rating   7 / 10

As good as a bank can be

Friendly and able to adjust in difficult times.

Full review

Friendly and able to adjust in difficult times.

    Price   8 / 10

    Features   6 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   7 / 10

Less

Claire, Western Australia, reviewed 10 months ago

ANZ

ANZ Home Loan review

Overall rating   10 / 10

Connecting in person is important.

I have 2 mortgages with ANZ and have been happy with their service to date. If I have any questions I can go to the local branch and after a small wait, I can have a one on one interview with a staff member. It's always so much easier to talk...

Full review

I have 2 mortgages with ANZ and have been happy with their service to date. If I have any questions I can go to the local branch and after a small wait, I can have a one on one interview with a staff member. It's always so much easier to talk person to person if you don't understand things.

    Price   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   8 / 10

Less

Christine, Western Australia, reviewed 10 months ago

ANZ

ANZ Home Loan review

Overall rating   8 / 10

Very competitive

Their statements are east to understand and their internet banking is easy to navigate.

Full review

Their statements are east to understand and their internet banking is easy to navigate.

    Price   9 / 10

    Features   9 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

Less

Connie, Victoria, reviewed 10 months ago

ANZ

ANZ Standard Variable Rate (Owner Occupier, Principal & Interest) Standard Variable Rate review

Overall rating   3 / 10

Ok

It's ok.

Full review

It's ok.

    Price   5 / 10

    Features   5 / 10

    Customer service   3 / 10

    Convenience   6 / 10

    Trust   3 / 10

Less

Anthony, Victoria, reviewed 11 months ago

ANZ

ANZ Fixed Rate (Owner Occupier, Principal & Interest) Fixed Rate review

Overall rating   5 / 10

Excellent service-they went above and beyond

We got an interest rate of 4% for our car loan

Full review

We got an interest rate of 4% for our car loan

    Price   9 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   6 / 10

    Trust   6 / 10

Less

Lisa, Queensland, reviewed 11 months ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Home loan comparisons on Mozo - rates updated daily

  • loans.com.au Smart Home Loan (Owner Occupier, Principal & Interest)

    loans.com.au Smart Home Loan (Owner Occupier, Principal & Interest)

    • For purchase and refinance, min 20% deposit
    • No application or ongoing fees
    • Unlimited redraws and additional repayments

    interest rate

    3.03% p.a. variable

    comparison rate*

    3.05% p.a.

    upfront fees

    $520

    		 Go to site

    More info

    • For purchase and refinance, min 20% deposit
    • No application or ongoing fees
    • Unlimited redraws and additional repayments
    • Interest rate: 3.03% p.a. variable
    • Comparison rate*: 3.05% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    8.2

    Based on 637 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required. Minimum loan amount $700k

    interest rate

    3.09% p.a. variable

    comparison rate*

    3.09% p.a.

    upfront fees

    $0

    		 Go to site

    More info

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required. Minimum loan amount $700k
    • Interest rate: 3.09% p.a. variable
    • Comparison rate*: 3.09% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    5.2

    Based on 111 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    Athena Variable Home Loan (Owner Occupier, Principal & Interest)

    Athena Variable Home Loan (Owner Occupier, Principal & Interest)

    • No application fees
    • No monthly fees
    • No annual fees

    interest rate

    3.09% p.a. variable

    comparison rate*

    3.05% p.a.

    upfront fees

    $0

    		 Go to site

    More info

    • No application fees
    • No monthly fees
    • No annual fees
    • Interest rate: 3.09% p.a. variable
    • Comparison rate*: 3.05% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Need more information?
    Go to site

    More info

  • Featured product

     

    ME Flexible Home Loan (Owner Occupier, LVR<80%, Principal & Interest) (Member Package)

    ME Flexible Home Loan (Owner Occupier, LVR<80%, Principal & Interest) (Member Package)

    • 3.69% p.a. / 4.11% p.a. Comp Rate
    • Annual Fee of $395. Loan size $400k-$699k
    • Experts Choice - Australia's Best Bank 2018

    interest rate

    3.39% p.a. variable

    comparison rate*

    3.83% p.a.

    upfront fees

    $200

    		 Go to site

    More info

    • 3.69% p.a. / 4.11% p.a. Comp Rate
    • Annual Fee of $395. Loan size $400k-$699k
    • Experts Choice - Australia's Best Bank 2018
    • Interest rate: 3.39% p.a. variable
    • Comparison rate*: 3.83% p.a.
    • Upfront fees: $200
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $400,000
    • Maximum loan amount: $699,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    8.7

    Based on 902 ME home loan reviews

    Need more information?
    Go to site

    More info

  • Homestar Star Essentials Home Loan (Owner Occupier, Principal & Interest)

    Homestar Star Essentials Home Loan (Owner Occupier, Principal & Interest)

    • No annual or monthly fees
    • Unlimited extra repayments & Free online redraw
    • Upfront fees waived – limited time offer

    interest rate

    2.99% p.a. variable

    comparison rate*

    3.02% p.a.

    upfront fees

    $596

    		 Go to site

    More info

    • No annual or monthly fees
    • Unlimited extra repayments & Free online redraw
    • Upfront fees waived – limited time offer
    • Interest rate: 2.99% p.a. variable
    • Comparison rate*: 3.02% p.a.
    • Upfront fees: $596
    • Ongoing fees: $0.00
    • Discharge fee: $535.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount: $850,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    6.3

    Based on 19 Homestar home loan reviews

    Need more information?
    Go to site

    More info

*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.

Want more? Compare all 532 home loans in the Mozo comparison engine.

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*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.

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