ANZ home loan reviews

ANZ
ANZ's overall rating for home loans

(as rated by the Mozo community)

6.9 / 10

based on 3841 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from ANZ

Recent ANZ home loan reviews

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

Less

Lisa, Victoria, reviewed about 7 hours ago

ANZ

ANZ Standard Variable Rate (Owner Occupier, Principal & Interest) home loan 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 14 days ago

ANZ

ANZ Fixed Rate (Owner Occupier, Principal & Interest) home loan 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 21 days ago

ANZ

ANZ Fixed Rate (Owner Occupier, Principal & Interest) home loan 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 about 1 month ago

ANZ

ANZ Simplicity PLUS Special Offer (Owner Occupier, Principal & Interest) home loan 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 about 1 month 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 about 1 month ago

ANZ

ANZ Fixed Rate (Owner Occupier, Principal & Interest) home loan 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 about 1 month 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 about 2 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 2 months 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

Less

Anthony, Victoria, reviewed 2 months 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

Less

Lisa, Queensland, reviewed 3 months 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

Less

Marissa, South Australia, reviewed 4 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

Less

Marissa, Queensland, reviewed 4 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

Less

Geraldine, Queensland, reviewed 8 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

Less

Leesa, Queensland, reviewed 8 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

Less

Bradley, Victoria, reviewed 8 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

Less

Sally, Victoria, reviewed 8 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

Less

Alison, Victoria, reviewed 8 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

Less

Alison, Victoria, reviewed 8 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

Less

Cheryl, New South Wales, reviewed 9 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

Less

Phillip, Queensland, reviewed 9 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

Less

Tracy, Victoria, reviewed 9 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

Less

Natalie, Western Australia, reviewed 9 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

Less

Louise, Tasmania, reviewed 9 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

Less

Jocelyn, Western Australia, reviewed 10 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 2018

    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

  • 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

    3.59% p.a. variable

    comparison rate*

    3.61% 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: 3.59% p.a. variable
    • Comparison rate*: 3.61% 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

  • 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

  • Queensland Country Credit Union Discount Ultimate Home Loan Special (Principal & Interest, LVR<90%) (Package)

    Queensland Country Credit Union Discount Ultimate Home Loan Special (Principal & Interest, LVR<90%) (Package)

    • Available for Owner Occupied or Residential Investment purposes
    • Fully featured home loan including 100% offset and redraw (Owner Occupied loans only)
    • Bank with Queensland’s largest regionally based, Member-owned Credit Union

    interest rate

    3.61% p.a. variable

    comparison rate*

    3.97% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Available for Owner Occupied or Residential Investment purposes
    • Fully featured home loan including 100% offset and redraw (Owner Occupied loans only)
    • Bank with Queensland’s largest regionally based, Member-owned Credit Union
    • Interest rate: 3.61% p.a. variable
    • Comparison rate*: 3.97% p.a.
    • Upfront fees: $0
    • Ongoing fees: $350.00 yearly
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    9.4

    Based on 22 Queensland Country Credit Union home loan reviews

    Need more information?
    Go to site

    More info

  • 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

    3.49% p.a. variable

    comparison rate*

    3.53% p.a.

    upfront fees

    $600

    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: 3.49% p.a. variable
    • Comparison rate*: 3.53% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - $10/month
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    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 499 home loans in the Mozo comparison engine.

Compare more home loans

Look for a specific type of home loan:

*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.

Back to top