ANZ home loan reviews

ANZ
ANZ's overall rating for home loans

(as rated by the Mozo community)

6.9 / 10

based on 3831 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from ANZ

Recent ANZ home loan reviews

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

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Connie, Victoria, reviewed 8 days ago

ANZ

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

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Anthony, Victoria, reviewed 15 days ago

ANZ

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

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Lisa, Victoria, reviewed 27 days ago

ANZ

ANZ Fixed Rate (Owner Occupier, Principal & Interest) home loan 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

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Lisa, Queensland, reviewed 27 days ago

ANZ

ANZ home loan review

Overall rating   10 / 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 competitive rate and the staff are absolutely wonderful and always happy to help.

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.

    Price   9 / 10

    Features   10 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   10 / 10

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Marissa, South Australia, reviewed 2 months ago

ANZ

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

Overall rating   10 / 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 competitive rate and the staff are absolutely wonderful and always happy to help.

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.

    Price   9 / 10

    Features   10 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   10 / 10

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Marissa, Queensland, reviewed 2 months ago

ANZ

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

Overall rating   2 / 10

I feel like we have been mislead

They started out as a great choice with excellent customer service at our local branch but has since let us down tremendously. One of the comments made by a loan staff employee at our last meeting not only was extremely offensive but also out of...

Full review

They started out as a great choice with excellent customer service at our local branch but has since let us down tremendously. One of the comments made by a loan staff employee at our last meeting not only was extremely offensive but also out of line in so many ways.

    Price   5 / 10

    Features   3 / 10

    Customer service   3 / 10

    Convenience   5 / 10

    Trust   2 / 10

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Geraldine, Queensland, reviewed 6 months ago

ANZ

ANZ Fixed Rate (Owner Occupier, Principal & Interest, $150k-$250k) (Breakfree Package) home loan review

Overall rating   7 / 10

fantastic customer service/product knowledge

I love, love, love my bank manager she is the best. I appreciate the time she spends with me (one on one) explaining different products/policies and researching the pros and cons to find what is the best loan/s for my lifestyle.

Full review

I love, love, love my bank manager she is the best. I appreciate the time she spends with me (one on one) explaining different products/policies and researching the pros and cons to find what is the best loan/s for my lifestyle.

    Price   6 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   5 / 10

    Trust   9 / 10

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Leesa, Queensland, reviewed 6 months ago

ANZ

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

Overall rating   6 / 10

Satisfied with the product

Reasonably happy with the product. Satisfied with the customer service. The rates are competitive, as with all the big banks.

Full review

Reasonably happy with the product. Satisfied with the customer service. The rates are competitive, as with all the big banks.

    Price   6 / 10

    Features   7 / 10

    Customer service   6 / 10

    Convenience   7 / 10

    Trust   5 / 10

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Bradley, Victoria, reviewed 6 months ago

ANZ

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

Overall rating   7 / 10

ANZ are very responsive

ANZ have been very responsive with any questions and we’re happy to reduce my rate when I called for a review recently.

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.

    Price   7 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   7 / 10

    Trust   7 / 10

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Sally, Victoria, reviewed 7 months ago

ANZ

ANZ Equity Manager (LVR<80%, under $250k) (Breakfree Package) home loan review

Overall rating   1 / 10

Very disappointed with ANZ

Very disappointed with ANZ for so many reasons. I have been a loyal customer for 20 years. I am stuck with them for another 2 years due to new legislation.

Full review

Very disappointed with ANZ for so many reasons. I have been a loyal customer for 20 years. I am stuck with them for another 2 years due to new legislation.

    Price   1 / 10

    Features   2 / 10

    Customer service   0 / 10

    Convenience   4 / 10

    Trust   0 / 10

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Alison, Victoria, reviewed 7 months ago

ANZ

ANZ home loan review

Overall rating   9 / 10

Contemplating change

Hate the office hours as I can never make it into a branch.

Full review

Hate the office hours as I can never make it into a branch.

    Price   9 / 10

    Features   6 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   8 / 10

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Alison, Victoria, reviewed 7 months ago

ANZ

ANZ Fixed Rate (Owner Occupier, Principal & Interest, $150k-$250k) (Breakfree Package) home loan review

Overall rating   7 / 10

Thanks

I'm happy with ANZ.

Full review

I'm happy with ANZ.

    Price   8 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   6 / 10

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Cheryl, New South Wales, reviewed 7 months ago

ANZ

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

Overall rating   9 / 10

Great service for loans

Easy to deal with; helpful.

Full review

Easy to deal with; helpful.

    Price   8 / 10

    Features   10 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   7 / 10

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Phillip, Queensland, reviewed 7 months ago

ANZ

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

Overall rating   7 / 10

Great banking experience

We always find the customer care to be fantastic and are happy with our home loan.

Full review

We always find the customer care to be fantastic and are happy with our home loan.

    Price   9 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   8 / 10

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Tracy, Victoria, reviewed 7 months ago

ANZ

ANZ Fixed Rate (Owner Occupier, Principal & Interest, $150k-$250k) (Breakfree Package) home loan review

Overall rating   7 / 10

Pretty happy with it

I like the break free package and the ability to have all our financial products together through same provider.

Full review

I like the break free package and the ability to have all our financial products together through same provider.

    Price   8 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   9 / 10

    Trust   5 / 10

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Natalie, Western Australia, reviewed 7 months ago

ANZ

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

Overall rating   8 / 10

Competitive premiums

I am quite happy with the ANZ banks services.

Full review

I am quite happy with the ANZ banks services.

    Price   7 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   7 / 10

    Trust   7 / 10

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Louise, Tasmania, reviewed 7 months ago

ANZ

ANZ home loan review

Overall rating   5 / 10

Needs to improve service to rural customers

The service to their rural customers is not up to standard, needs an overhaul.

Full review

The service to their rural customers is not up to standard, needs an overhaul.

    Price   5 / 10

    Features   4 / 10

    Customer service   6 / 10

    Convenience   3 / 10

    Trust   6 / 10

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Jocelyn, Western Australia, reviewed 8 months ago

ANZ

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

Overall rating   10 / 10

ANZ is the best bank ever

ANZ is a brilliant bank. They have always been great and helpful to me.

Full review

ANZ is a brilliant bank. They have always been great and helpful to me.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Sally, Western Australia, reviewed 8 months ago

ANZ

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

Overall rating   10 / 10

Very happy with ANZ

Excellent service.

Full review

Excellent service.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Vanessa, Queensland, reviewed 8 months ago

ANZ

ANZ home loan review

Overall rating   10 / 10

ANZ looks after its customers

Staff very friendly, helpful and knowledgeable. Products are competitive and flexible, charges reasonable. Online access is great and easy to navigate. Online help facility and staff are always patient and very helpful, even with difficult questions.

Full review

Staff very friendly, helpful and knowledgeable. Products are competitive and flexible, charges reasonable. Online access is great and easy to navigate. Online help facility and staff are always patient and very helpful, even with difficult questions.

    Price   10 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Bill, Victoria, reviewed 8 months ago

ANZ

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

Overall rating   8 / 10

Competitive, but customer service could be better

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...

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.

    Price   8 / 10

    Features   8 / 10

    Customer service   6 / 10

    Convenience   9 / 10

    Trust   8 / 10

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Arputha, Victoria, reviewed 8 months ago

ANZ

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

Overall rating   8 / 10

ANZ is a solid bank.

ANZ is typical of the big 4 banks. You get what you expect. They offer competitive products and have good customer service.

Full review

ANZ is typical of the big 4 banks. You get what you expect. They offer competitive products and have good customer service.

    Price   8 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   7 / 10

    Trust   8 / 10

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Karen, Victoria, reviewed 8 months ago

ANZ

ANZ home loan review

Overall rating   4 / 10

Bad experience means I’ll be changing

I've had a bad experience. Was about to change to Virgin Money when I unexpectedly lost my job due to illness. Even though I have MPI, they put me on hardship as I’ve been to unable to get the claim in. This will affect my credit rating. This is...

Full review

I've had a bad experience. Was about to change to Virgin Money when I unexpectedly lost my job due to illness. Even though I have MPI, they put me on hardship as I’ve been to unable to get the claim in. This will affect my credit rating. This is ridiculous, as the payments will be covered. They have also previously mismanaged hardship when I was on a breakfree package. Rather than offering me mortgage holiday they put me on hardship. They realised their error and contacted me but by that time it was too late for it to be rectified satisfactorily.

    Price   3 / 10

    Features   4 / 10

    Customer service   4 / 10

    Convenience   5 / 10

    Trust   2 / 10

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Holly, New South Wales, reviewed 8 months ago

ANZ

ANZ home loan review

Overall rating   9 / 10

Reasonable premiums and great staff

The bank is easy to deal with and the staff are very helpful and friendly.

Full review

The bank is easy to deal with and the staff are very helpful and friendly.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   9 / 10

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James, Queensland, reviewed 8 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

  • MOZO EXPERTS CHOICE AWARDS 2016

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.66% 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: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.2

    Based on 636 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • NAB Base Variable Rate Home Loan Special Offer (Owner Occupier, Principal & Interest)

    NAB Base Variable Rate Home Loan Special Offer (Owner Occupier, Principal & Interest)

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.73% p.a.

    upfront fees

    $600

    Go to site

    More info

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.73% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $20,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    6.8

    Based on 2769 NAB home loan reviews

    Need more information?
    Go to site

    More info

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

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

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.59% p.a.

    upfront fees

    $0

    Go to site

    More info

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.59% 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: $699,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    5.2

    Based on 111 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%)

    Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%)

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist

    interest rate

    3.67% p.a. variable

    comparison rate*

    3.69% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist
    • Interest rate: 3.67% p.a. variable
    • Comparison rate*: 3.69% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fees apply
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.3

    Based on 242 Heritage Bank home loan reviews

    Need more information?
    Go to site

    More info

  • HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free online
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.0

    Based on 109 HSBC 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 505 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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