ANZ home loan reviews

ANZ
ANZ's overall rating for home loans

(as rated by the Mozo community)

6.9 / 10

based on 3842 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from ANZ

ANZ Simplicity PLUS (Investment, Principal & Interest)

interest rate

4.71% p.a. variable

comparison rate*

4.75% p.a.

upfront fees

$0

 Contact provider or click here for more ANZ home loans

Recent ANZ home loan reviews

ANZ

ANZ Standard Variable Rate (Owner Occupier, Principal & Interest) home loan 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 4 months 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

Less

Lisa, Victoria, reviewed 4 months 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 5 months 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 5 months 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 5 months 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 6 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 6 months 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 6 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 6 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 6 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 7 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 7 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 8 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 8 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 about 1 year 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 2019

    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

  • MOZO EXPERTS CHOICE AWARDS 2019

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

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

    • Owner occupier only
    • Available on new borrowings from $50,000
    • 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 on new borrowings from $50,000
    • 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

  • Virgin Money Reward Me Variable Rate Home Loan (Owner Occupier, Principal & Interest, LVR<80%)

    Virgin Money Reward Me Variable Rate Home Loan (Owner Occupier, Principal & Interest, LVR<80%)

    • Competitive rates from 3.69% p.a.
    • No application fees
    • Receive 20,000 Velocity Points for every $100,000 drawn at settlement.

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.83% p.a.

    upfront fees

    $150

    		 Go to site

    More info

    • Competitive rates from 3.69% p.a.
    • No application fees
    • Receive 20,000 Velocity Points for every $100,000 drawn at settlement.
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.83% p.a.
    • Upfront fees: $150
    • Ongoing fees: $10.00 monthly
    • Discharge fee: $320.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $750,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.1

    Based on 7 Virgin Money home loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

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

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

    • Option to split your loan into fixed and variable
    • Offset available on the variable rate facility
    • Meet a mobile banker at a time or place that suits you

    interest rate

    3.89% p.a.
    fixed 2 years

    comparison rate*

    4.90% p.a.

    upfront fees

    $400

    		 Go to site

    More info

    • Option to split your loan into fixed and variable
    • Offset available on the variable rate facility
    • Meet a mobile banker at a time or place that suits you
    • Interest rate: 3.89% p.a.
      fixed 2 years
    • Comparison rate*: 4.90% p.a.
    • Upfront fees: $400
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free up to $30,000 during fixed rate period
    • Redraw facility: no
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $40,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 901 ME 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 - free
    • 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 243 Heritage Bank 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 522 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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