ANZ home loan reviews

ANZ
ANZ's overall rating for home loans

(as rated by the Mozo community)

7.2 / 10

based on 1118 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from ANZ

Recent ANZ home loan reviews

ANZ

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

Overall rating   10 / 10

No issues

I have never had a problem with them, and they are very quick to give loan approvals.

Full review

I have never had a problem with them, and they are very quick to give loan approvals.

    Price   7 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

Less

Stella (WA), reviewed 6 months ago

ANZ

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

Overall rating   6 / 10

Trustworthy

Their products are good. Not world leading or overly innovative, but the Big 4 don't really do that. The smaller banks that operate under their umbrella do better deals though.

Full review

Their products are good. Not world leading or overly innovative, but the Big 4 don't really do that. The smaller banks that operate under their umbrella do better deals though.

    Price   5 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

Less

Phil (VIC), reviewed 6 months ago

ANZ

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

Overall rating   10 / 10

Great customer service

Very thorough people, nice to deal with and they are excellent with aged people.

Full review

Very thorough people, nice to deal with and they are excellent with aged people.

    Price   10 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Elaine (VIC), reviewed 6 months ago

ANZ

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

Overall rating   10 / 10

I wouldn't change my bank

They really like to help and are very friendly and advise you with the information you need.

Full review

They really like to help and are very friendly and advise you with the information you need.

    Price   10 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Araina (QLD), reviewed 6 months ago

ANZ

ANZ Equity Manager home loan review

Overall rating   10 / 10

Flexibility of loan product

The loan allows great flexibility to suit your changing lifestyle. The interest rates are excellent. The customer service at all ANZ bank branches has been exceptional. The service at ANZ branch Cannonvale, Queensland is just brilliant.

Full review

The loan allows great flexibility to suit your changing lifestyle. The interest rates are excellent. The customer service at all ANZ bank branches has been exceptional. The service at ANZ branch Cannonvale, Queensland is just brilliant.

    Price   10 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Elaine (QLD), 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

I would recommend ANZ to anyone

I have been banking with ANZ for more than 10 years and I can't complain much about them. Apart from a couple of minor issues, they have been very good to us. They have a swift processing time for transactions.

Full review

I have been banking with ANZ for more than 10 years and I can't complain much about them. Apart from a couple of minor issues, they have been very good to us. They have a swift processing time for transactions.

    Price   6 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Gina (NSW), reviewed 8 months ago

ANZ

ANZ home loan review

Overall rating   9 / 10

Good provider, I'm quite pleased with our bank

Overall been quite pleased with our bank

Full review

Overall been quite pleased with our bank

    Price   8 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Mehool (QLD), reviewed 8 months ago

ANZ

ANZ home loan review

Overall rating   10 / 10

The ANZ are a real people bank

They have helped family and I during a time of crisis. After being hit by a P plate driver at work and losing my job whilst on a Dr's certificate, they've been behind us 10/10.

Full review

They have helped family and I during a time of crisis. After being hit by a P plate driver at work and losing my job whilst on a Dr's certificate, they've been behind us 10/10.

    Price   10 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Michael (SA), reviewed 9 months ago

ANZ

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

Overall rating   7 / 10

Great customer service

Our bank manager was great when we first set up our home loan. I have also had issues on one or two occasions regarding my card and this has been sorted relatively quickly through the call centre. All staff members are helpful and will assist...

Full review

Our bank manager was great when we first set up our home loan. I have also had issues on one or two occasions regarding my card and this has been sorted relatively quickly through the call centre. All staff members are helpful and will assist where they can.

    Price   7 / 10

    Features   5 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   6 / 10

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Nicole (NSW), reviewed about 1 year ago

ANZ

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

Overall rating   4 / 10

Good service

I have had great service from the ANZ bank for the last 30 years.

Full review

I have had great service from the ANZ bank for the last 30 years.

    Price   3 / 10

    Features   3 / 10

    Customer service   6 / 10

    Convenience   3 / 10

    Trust   5 / 10

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Ashley (NSW), reviewed about 1 year ago

ANZ

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

Overall rating   1 / 10

Extremely disappointed with ANZ

After many years of loyal service and keeping our repayments well in advance for most of the time, we got behind one month by $10.35 and we started receiving texts and phone calls from some overseas call centre demanding immediate payment. We...

Full review

After many years of loyal service and keeping our repayments well in advance for most of the time, we got behind one month by $10.35 and we started receiving texts and phone calls from some overseas call centre demanding immediate payment. We fixed the issue but the month after that, we started receiving more messages about another small payment. After this, we decided to look for another local bank and they were more than happy to transfer the loan to their account. They had a better interest rate and personal service.

    Price   2 / 10

    Features   5 / 10

    Customer service   0 / 10

    Convenience   8 / 10

    Trust   1 / 10

Less

Len (VIC), reviewed over 1 year ago

ANZ

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

Overall rating   3 / 10

Customer service is not great

At the bank in Ararat last week, an employee questioned four people in the queue and advised each of us to do our own banking business away from the bank.

Full review

At the bank in Ararat last week, an employee questioned four people in the queue and advised each of us to do our own banking business away from the bank.

    Price   2 / 10

    Features   3 / 10

    Customer service   0 / 10

    Convenience   5 / 10

    Trust   3 / 10

Less

Wayne (VIC), reviewed over 1 year ago

ANZ

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

Overall rating   10 / 10

Client appreciation

Go the extra mile because we have been long term customers

Full review

Go the extra mile because we have been long term customers

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Warren (WA), reviewed over 1 year ago

ANZ

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

Overall rating   3 / 10

Not really, in fact they gave me bad advice.

After 29 years having home loans with this bank, we asked for interest loan reduction twice...to no avail, hence we moved.

Full review

After 29 years having home loans with this bank, we asked for interest loan reduction twice...to no avail, hence we moved.

    Price   1 / 10

    Features   1 / 10

    Customer service   3 / 10

    Convenience   4 / 10

    Trust   2 / 10

Less

John (WA), reviewed over 1 year ago

ANZ

ANZ home loan review

Overall rating   8 / 10

Excellent support and superior customer service!

I have had excellent support and service from the staff at the local ANZ branch. When I enter the bank I am made to feel welcome & treated like a VIP, although I am very ordinary & my mortgage is rather low, not likely to make a fortune for the...

Full review

I have had excellent support and service from the staff at the local ANZ branch. When I enter the bank I am made to feel welcome & treated like a VIP, although I am very ordinary & my mortgage is rather low, not likely to make a fortune for the bank. There may, possibly, be better offers out there but I wouldn't even consider going anywhere else.

    Price   8 / 10

    Features   4 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

P (NSW), reviewed over 1 year ago

ANZ

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

Overall rating   9 / 10

Interest rates are low and good customer service

The customer service is very personal, I only deal with one person which I like and they have been extremely accommodating to my needs and finding a way to make the loan work for my situation. The only thing that I dislike is when they need to use...

Full review

The customer service is very personal, I only deal with one person which I like and they have been extremely accommodating to my needs and finding a way to make the loan work for my situation. The only thing that I dislike is when they need to use 3 parties which can slow things down.

    Price   7 / 10

    Features   5 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Kylie (WA), reviewed over 1 year ago

ANZ

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

Overall rating   6 / 10

Good valuation

Slow with paperwork and processing

Full review

Slow with paperwork and processing

    Price   5 / 10

    Features   5 / 10

    Customer service   3 / 10

    Convenience   8 / 10

    Trust   7 / 10

Less

Mike (QLD), reviewed over 1 year ago

ANZ

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

Overall rating   0 / 10

Not helpful at all

Terrible service Takes money constantly

Full review

Terrible service Takes money constantly

    Price   1 / 10

    Features   1 / 10

    Customer service   0 / 10

    Convenience   1 / 10

    Trust   0 / 10

Less

Jamielee (VIC), reviewed over 1 year ago

ANZ

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

Overall rating   8 / 10

Easy straight forward

Easy loan to use very straight forward

Full review

Easy loan to use very straight forward

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   7 / 10

Less

Robert (NSW), reviewed over 1 year ago

ANZ

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

Overall rating   10 / 10

Excellent product and bank

I love ANZ customer service and easy way access to my accounts so I can self manage my home loan etc... always easy to deal with and feel looked after.

Full review

I love ANZ customer service and easy way access to my accounts so I can self manage my home loan etc... always easy to deal with and feel looked after.

    Price   8 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Grace (QLD), reviewed over 1 year ago

ANZ

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

Overall rating   9 / 10

Great all rounder

Always helpful with any questions and loan setups

Full review

Always helpful with any questions and loan setups

    Price   7 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Maryanne (NSW), reviewed over 1 year ago

ANZ

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

Overall rating   9 / 10

Competitive rates and customer service

I find the staff very helpful and pleasant each week that I go in.

Full review

I find the staff very helpful and pleasant each week that I go in.

    Price   7 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Rhonda (QLD), reviewed over 1 year ago

ANZ

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

Overall rating   6 / 10

Just a number

Been with ANZ for many years but don't feel like i am treated seriously when threatened to leave the bank

Full review

Been with ANZ for many years but don't feel like i am treated seriously when threatened to leave the bank

    Price   6 / 10

    Features   6 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   5 / 10

Less

Nick (NSW), reviewed over 1 year ago

ANZ

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

Overall rating   8 / 10

Great customer service

They're online banking is easy enough. App is convenient. Customer service is great.

Full review

They're online banking is easy enough. App is convenient. Customer service is great.

    Price   6 / 10

    Features   5 / 10

    Customer service   10 / 10

    Convenience   3 / 10

    Trust   5 / 10

Less

Jade (NSW), reviewed over 1 year ago

ANZ

ANZ home loan review

Overall rating   8 / 10

Competitive premiums and great service

One of the 4 big banks but the one I trust the most. Can pop into any branch for assistance but have built up a rapport with the staff from the branch that can help me with my everyday banking needs.

Full review

One of the 4 big banks but the one I trust the most. Can pop into any branch for assistance but have built up a rapport with the staff from the branch that can help me with my everyday banking needs.

    Price   8 / 10

    Features   8 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   7 / 10

Less

Julie (VIC), reviewed over 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 2016

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

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

    • A super-low rate available to purchases and 20% minimum deposit required
    • 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

    3.54% p.a. variable

    comparison rate*

    3.56% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases and 20% minimum deposit required
    • 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: 3.54% p.a. variable
    • Comparison rate*: 3.56% 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
    Overall rating

    7.2

    Based on 202 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Featured product

     

    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

    interest rate

    3.62% p.a. variable

    comparison rate*

    3.62% 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
    • Interest rate: 3.62% p.a. variable
    • Comparison rate*: 3.62% 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: $700,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    4.8

    Based on 56 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.67% p.a.

    upfront fees

    $286

    Go to site

    More info

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.67% p.a.
    • Upfront fees: $286
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • 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
    Overall rating

    8.7

    Based on 3 State Custodians home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time

    interest rate

    3.64% p.a. variable

    comparison rate*

    4.03% p.a.

    upfront fees

    $0

    Go to site

    More info

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 4.03% p.a.
    • Upfront fees: $0
    • Ongoing fees: $395.00 yearly
    • Discharge fee:
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • 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

    8.5

    Based on 80 Newcastle Permanent 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

    3.65% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $0

    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: 3.65% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • 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

    7.1

    Based on 32 HSBC home loan reviews

    Need more information?
    Go to site

    More info

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*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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