How do I compare ANZ home loans?

To make sure you find the right ANZ loan you need a clear idea of what you're looking for in a mortgage. These simple questions can help: Do you want help from an actual person? Because ANZ has a large network of branches, you can talk to staff in person when you need home loan help. This is something online lenders and smaller banks may not be able to offer. What do you need the loan for? If you're buying a home to live in, you need an owner-occupier loan. Property investors need an investment loan rate. ANZ has both. Fixed or variable? Do you want the flexibility of a variable rate loan that could rise or fall at any time? Or are you happy to lock in a fixed rate for a certain period so you can forget about rate changes? What features do you need? You need to decide whether you need features like a 100% offset account, the ability to make extra repayments and the option to split your rate.

Does ANZ offer home loan pre-approval?

ANZ offers pre-approval. You can apply for pre-approval with ANZ online. Please note that the lender will conduct a credit check, which may impact your credit history. Home loan pre-approval is an optional step in the application process that some lenders offer. Pre-approval means a lender has examined your savings, income and spending habits and has a rough idea of how much it could lend you. It's not the same as full loan approval and it's no guarantee that the lender will ultimately approve a full application. But it does allow borrowers to start looking for a home with more confidence and a clearer idea of their borrowing power.

Are there any risks going with a smaller lender?

Most Australian borrowers bank with one of the Big Four (Commbank, Westpac, NAB and ANZ). They have physical branches and ATMs in most locations and strong customer support. These are big advantages. But if you're worried that smaller lenders are unsafe or less reliable, you probably shouldn't. In Australia, most lenders are authorised deposit-taking institutions (ADIs) and are regulated by the Australian Prudential Regulation Authority (APRA). Almost every lender has a banking licence or partners with a bank. There's an assumption that interest rates from the Big Four are less competitive than smaller lenders. And while this is broadly true, the gap has shrunk dramatically in recent years. You can get a very good deal from lenders large and small.

Should I go with a fixed or variable rate?

Deciding between a fixed or variable rate depends on what you want from the loan. A variable rate loan can change at any time, either up or down. A variable rate usually offers more flexibility in how fast you can repay the loan and the cost of refinancing. A fixed rate loan offers total certainty about your rate, for the fixed period. This means it won't rise, costing you more. But if your lender starts lowering rates you won't benefit either. Refinancing a fixed rate loan means breaking the loan, because you've agreed to a specific rate. This means you may have to pay a fixed rate break fee.

Do I need a mortgage broker?

Mortgage brokers are home loan professionals who can help you find a suitable loan. A broker typically charges you no fee, because they receive a commission from your lender. Brokers are great if you are short on time or find the whole process of researching and applying for a home loan confusing. But you can definitely do it yourself and find a good loan. You may even find a better deal. That's because brokers don't compare loans from every lender in the market. They have access to a panel of loans and often don't have smaller online lenders in their panel.

ANZ Home Loans: Rates from 6.5%

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ANZ is one of Australia's biggest lenders and has a large range of home loan products. This includes package home loans with lots of extra features and simpler loans with just the basics.
The lender has a nationwide network of physical branches plus phone support and online support.
You can get some ANZ home loans with a deposit as low as 10%, but many loans require a standard 20% deposit.

Compare ANZ home loans for November 2026

5 of 83 results

Finder Score	Interest Rate p.a.	Comparison Rate p.a.	Fees	Features	Monthly Payment
Finder score 8.7 Great ANZ Plus Home Loan Variable Rate	Finder score 8.7 Great	Interest Rate 6.50%	Comparison Rate 6.50%	Fees Application: $0 Ongoing: $0 p.a.	Principal & Interest20% min. equityOwner-occupier	Monthly Payment $3,164 per month	Enquire now View details Compare product selectionCompare	loading
Finder score 8.5 Great ANZ Simplicity PLUS Home Loan	Finder score 8.5 Great	Interest Rate 6.94%	Comparison Rate 6.94%	Fees Application: $0 Ongoing: $0 p.a.	Principal & Interest30% min. equityInvestment	Monthly Payment $3,310 per month	Enquire now View details Compare product selectionCompare	loading
Finder score 8.5 Great ANZ Simplicity PLUS Home Loan	Finder score 8.5 Great	Interest Rate 6.64%	Comparison Rate 6.64%	Fees Application: $0 Ongoing: $0 p.a.	Principal & Interest40% min. equityOwner-occupier	Monthly Payment $3,210 per month	Enquire now View details Compare product selectionCompare	loading
Finder score 8.5 Great ANZ Simplicity PLUS Home Loan	Finder score 8.5 Great	Interest Rate 6.89%	Comparison Rate 6.89%	Fees Application: $0 Ongoing: $0 p.a.	Principal & Interest40% min. equityInvestment	Monthly Payment $3,293 per month	Enquire now View details Compare product selectionCompare	loading
Finder score 8.4 Great ANZ Simplicity PLUS Home Loan	Finder score 8.4 Great	Interest Rate 6.69%	Comparison Rate 6.69%	Fees Application: $0 Ongoing: $0 p.a.	Principal & Interest30% min. equityOwner-occupier	Monthly Payment $3,226 per month	Enquire now View details Compare product selectionCompare	loading

Showing 5 of 83 results

How to apply for a ANZ home loan

When applying for any home loan, you will need key documents to establish your identity, your financial situation, employment status and property information. Eligibility rules vary, but typically you'll need to meet these criteria:

Age. You must be over 18 years of age.
Residency. You should be a resident of Australia.
Employment. You should have a regular source of income.

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Find a mortgage broker: Still confused? Get free expert guidance from a qualified broker.

ANZ home loan FAQs

To make sure you find the right ANZ loan you need a clear idea of what you're looking for in a mortgage. These simple questions can help:
- Do you want help from an actual person? Because ANZ has a large network of branches, you can talk to staff in person when you need home loan help. This is something online lenders and smaller banks may not be able to offer.
- What do you need the loan for? If you're buying a home to live in, you need an owner-occupier loan. Property investors need an investment loan rate. ANZ has both.
- Fixed or variable? Do you want the flexibility of a variable rate loan that could rise or fall at any time? Or are you happy to lock in a fixed rate for a certain period so you can forget about rate changes?
- What features do you need? You need to decide whether you need features like a 100% offset account, the ability to make extra repayments and the option to split your rate.
ANZ offers pre-approval. You can apply for pre-approval with ANZ online. Please note that the lender will conduct a credit check, which may impact your credit history.
Home loan pre-approval is an optional step in the application process that some lenders offer. Pre-approval means a lender has examined your savings, income and spending habits and has a rough idea of how much it could lend you. It's not the same as full loan approval and it's no guarantee that the lender will ultimately approve a full application. But it does allow borrowers to start looking for a home with more confidence and a clearer idea of their borrowing power.
Most Australian borrowers bank with one of the Big Four (Commbank, Westpac, NAB and ANZ). They have physical branches and ATMs in most locations and strong customer support. These are big advantages.
But if you're worried that smaller lenders are unsafe or less reliable, you probably shouldn't. In Australia, most lenders are authorised deposit-taking institutions (ADIs) and are regulated by the Australian Prudential Regulation Authority (APRA). Almost every lender has a banking licence or partners with a bank.
There's an assumption that interest rates from the Big Four are less competitive than smaller lenders. And while this is broadly true, the gap has shrunk dramatically in recent years. You can get a very good deal from lenders large and small.
Deciding between a fixed or variable rate depends on what you want from the loan. A variable rate loan can change at any time, either up or down. A variable rate usually offers more flexibility in how fast you can repay the loan and the cost of refinancing.
A fixed rate loan offers total certainty about your rate, for the fixed period. This means it won't rise, costing you more. But if your lender starts lowering rates you won't benefit either. Refinancing a fixed rate loan means breaking the loan, because you've agreed to a specific rate. This means you may have to pay a fixed rate break fee.
Mortgage brokers are home loan professionals who can help you find a suitable loan. A broker typically charges you no fee, because they receive a commission from your lender. Brokers are great if you are short on time or find the whole process of researching and applying for a home loan confusing. But you can definitely do it yourself and find a good loan. You may even find a better deal. That's because brokers don't compare loans from every lender in the market. They have access to a panel of loans and often don't have smaller online lenders in their panel.

Compare other products from ANZ

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

What is Finder Score?

The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.

Read the full breakdown

Thank you for your feedback!

Written by

Richard Whitten

Senior Money Editor

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Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

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26 Responses

GPMarch 6, 2023

I would like to refinance home loan. Can I get multiple offset account?

Finder

RebeccaMarch 7, 2023Finder

Hi there,
If you’re looking to refinance to an ANZ home loan, you can only get access to 1 offset account if you fix your home loan rate for one year. Take a look at each loan option carefully to make sure you choose the home loan with the right features for you. If you need more than one offset account, it might be worth comparing other lenders and looking at their options thoroughly.
Thanks,
Rebecca

steveAugust 2, 2022

anz said breakfree package no longer available

Finder

RichardAugust 5, 2022Finder

Hello Steve,

Thanks for your comment. We’ve confirmed this with ANZ and will remove the page.

Kind regards,
Richard

MareeJune 13, 2022

I would like to refinance my WP home loan with a low interest loan with bonus frequent flyer points and/or cashback offer. Thankykou

Finder

RichardJune 15, 2022Finder

Hi Marie,

At Finder, we don’t offer home loans directly but we can help you compare loans. And if you want help with a specific loan you can also talk to a mortgage broker.

Kind regards,
Richard

GordonSeptember 17, 2018

What is the deposit?

Finder

JhezelynSeptember 17, 2018Finder

Hello Gordon,

Thank you for your comment.

For ANZ and most lenders require you to have at least a 5% deposit, which must be made up of savings or cash, rather than a loan. But if you can put down a deposit of 10%-20%, this will often get you a lower interest rate on your loan, because there is less risk involved for the lender.

Best to directly get in touch with ANZ or a mortgage broker so you can discuss options based on your needs.

Should you wish to have real-time answers to your questions, try our chatbox on the lower right corner of our page.

Regards,
Jhezelyn

MarkAugust 16, 2015

Just enquiring if it would be possible to consolidate my car loan on to my home loan? My home loan type is simplicity plus basic home loan .

Finder

MarcAugust 17, 2015Finder

Hi Mark,
thanks for the question.

ANZ do offer debt consolidation home loans to manage debts. I would recommend contacting them directly to see what your options may be.

I hope this helps,
Marc.

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ANZ home loans

ANZ has home loans for owner-occupiers and investors, with rates starting from 6.5%.