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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 3903 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from ANZ

ANZ Simplicity PLUS Special Offer LVR <80% (Owner Occupier, Principal & Interest)

interest rate

3.24% p.a. variable

comparison rate*

3.28% p.a.

upfront fees

$0

 Contact provider or click here for more ANZ home loans

Recent ANZ home loan reviews

ANZ

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

Overall rating   8 / 10

Happy with them.

Long term customer and I am satisfied with their service.

Full review

Long term customer and I am satisfied with their service.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   7 / 10

    Trust   10 / 10

Less

Sharon, South Australia, reviewed 1 day ago

ANZ

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

Overall rating   10 / 10

Professional.

Fast and efficient service every time I’ve been to the bank to enquire about my account.

Full review

Fast and efficient service every time I’ve been to the bank to enquire about my account.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

John, Western Australia, reviewed 1 day ago

ANZ

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

Overall rating   8 / 10

Service and response time excellent.

I am able to deal with a real person.

Full review

I am able to deal with a real person.

    Price   5 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Tracey, Victoria, reviewed 2 days ago

ANZ

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

Overall rating   8 / 10

Excellent competitive home loan rates.

ANZ appears to be competitive with their rates and current offers are certainly worth considering in today's banking market.

Full review

ANZ appears to be competitive with their rates and current offers are certainly worth considering in today's banking market.

    Price   8 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   5 / 10

    Trust   8 / 10

Less

Kym, Queensland, reviewed 3 days ago

ANZ

ANZ Home Loan review

Overall rating   7 / 10

Plain speaking.

I can always get a straight easy to understand answer.

Full review

I can always get a straight easy to understand answer.

    Price   10 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   0 / 10

    Trust   8 / 10

Less

Margaret, New South Wales, reviewed 3 days ago

ANZ

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

Overall rating   9 / 10

ANZ looks after its customers.

ANZ is good.

Full review

ANZ is good.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   8 / 10

Less

Kavitha, New South Wales, reviewed 3 days ago

ANZ

ANZ Simplicity PLUS Special Offer LVR <80% (Owner Occupier, Principal & Interest) Simplicity PLUS review

Overall rating   4 / 10

Average product.

We have had to stay with this bank due to wanting mortgage insurance and my having had cancer.

Full review

We have had to stay with this bank due to wanting mortgage insurance and my having had cancer.

    Price   7 / 10

    Features   3 / 10

    Customer service   5 / 10

    Convenience   3 / 10

    Trust   2 / 10

Less

Karen, Queensland, reviewed 3 days ago

ANZ

ANZ Home Loan review

Overall rating   6 / 10

Helpful.

Helpful when needed.

Full review

Helpful when needed.

    Price   7 / 10

    Features   8 / 10

    Customer service   6 / 10

    Convenience   8 / 10

    Trust   5 / 10

Less

Steph, Tasmania, reviewed 4 days ago

ANZ

ANZ Home Loan review

Overall rating   8 / 10

Very good.

Great bank.

Full review

Great bank.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Andrew, Victoria, reviewed 5 days ago

ANZ

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

Overall rating   7 / 10

Overall for 2020 service acceptable.

Sometimes it is nicer to get another person online.

Full review

Sometimes it is nicer to get another person online.

    Price   7 / 10

    Features   8 / 10

    Customer service   6 / 10

    Convenience   8 / 10

    Trust   5 / 10

Less

Marylin, Australian Capital Territory, reviewed 8 days ago

ANZ

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

Overall rating   9 / 10

Recommend.

I'm happy with the service.

Full review

I'm happy with the service.

    Price   7 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Arlene, Queensland, reviewed 8 days ago

ANZ

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

Overall rating   8 / 10

Great customer service.

I have always banked with ANZ and have never had a problem.

Full review

I have always banked with ANZ and have never had a problem.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Tanya, Western Australia, reviewed 8 days ago

ANZ

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

Overall rating   6 / 10

Could probably do better if I shopped around.

Not really sure as I don't take to much notice on what's happening with my banking.

Full review

Not really sure as I don't take to much notice on what's happening with my banking.

    Customer service   6 / 10

    Convenience   3 / 10

    Trust   6 / 10

Less

Dianne, Queensland, reviewed 10 days ago

ANZ

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

Overall rating   9 / 10

Bit behind the times with rates.

Interest rate is higher than what is out there with other banks. Have been into branch to ask for reduced rate, but was told it was as low as possible. We stick to this loan at the moment due to the ease of redraw facilities and offset advantages.

Full review

Interest rate is higher than what is out there with other banks. Have been into branch to ask for reduced rate, but was told it was as low as possible. We stick to this loan at the moment due to the ease of redraw facilities and offset advantages.

    Price   5 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   9 / 10

Less

Gail, South Australia, reviewed 10 days ago

ANZ

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

Overall rating   9 / 10

I would recommend ANZ for home loans.

My ANZ home loan has been much better than earlier home loans from other banks. Better service and convenient.

Full review

My ANZ home loan has been much better than earlier home loans from other banks. Better service and convenient.

    Price   7 / 10

    Features   5 / 10

    Customer service   7 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Belinda, South Australia, reviewed 10 days 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

    2.88% p.a. variable

    comparison rate*

    2.90% 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: 2.88% p.a. variable
    • Comparison rate*: 2.90% 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 639 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

    2.84% p.a. variable

    comparison rate*

    2.84% 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: 2.84% p.a. variable
    • Comparison rate*: 2.84% 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: $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

    8.3

    Based on 7 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • 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

    2.84% p.a. variable

    comparison rate*

    2.80% p.a.

    upfront fees

    $0

    		 Go to site

    More info

    • No application fees
    • No monthly fees
    • No annual fees
    • Interest rate: 2.84% p.a. variable
    • Comparison rate*: 2.80% 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:
    Overall rating

    10.0

    Based on 1 Athena home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access

    interest rate

    2.82% p.a. variable

    comparison rate*

    2.86% p.a.

    upfront fees

    $785

    		 Go to site

    More info

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access
    • Interest rate: 2.82% p.a. variable
    • Comparison rate*: 2.86% p.a.
    • Upfront fees: $785
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: Optional - $10 per month
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    9.0

    Based on 1 Well Home Loans home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    Tic:Toc Variable Home Loan (Owner Occupier, Principal & Interest)

    Tic:Toc Variable Home Loan (Owner Occupier, Principal & Interest)

    • A low hassle online home loan.
    • Tic:Toc’s award winning platform means you could save thousands with low rates and no application, valuation or settlement fees.
    • Unlimited free redraws and extra repayments.

    interest rate

    2.79% p.a. variable

    comparison rate*

    2.80% p.a.

    upfront fees

    $0

    		 Go to site

    More info

    • A low hassle online home loan.
    • Tic:Toc’s award winning platform means you could save thousands with low rates and no application, valuation or settlement fees.
    • Unlimited free redraws and extra repayments.
    • Interest rate: 2.79% p.a. variable
    • Comparison rate*: 2.80% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $325.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: Optional - $10 per month
    • Maximum loan to value ratio: 90.00%
    • 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
    • Special offers:
    Overall rating

    9.0

    Based on 1 Tic:Toc 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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