ANZ Home Loans

Rates and Fees verified correct on December 6th, 2016

ANZ_logo_bgAs one of the largest banks across Australia and New Zealand, ANZ has a range of home loans to suit different lending needs.

The Australia and New Zealand Banking Group (ANZ) is the largest bank in New Zealand, the fourth largest bank in Australia and one of the largest in the world with operations in 25 other nations. ANZ offers home loans, personal loans, credit cards, savings accounts, bank accounts, insurance products and a range of other banking products and services.

Compare ANZ home loans

Rates last updated December 6th, 2016
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
ANZ Breakfree Package Home Loan - 2 Year Fixed (Owner Occupier) $150k+
This 2 year fixed ANZ Breakfree Package rate comes with package discount and product bundle. Terms and conditions, package fee and fees, charges & eligibility criteria apply.
3.75% 4.62% $0 $395 p.a. 95% Go to site More info
ANZ Breakfree Package Home Loan - 3 Year Fixed (Owner Occupier)
Pay no application fee and fix your interest for 3 years with this ANZ package home loan.
3.85% 4.59% $0 $395 p.a. 95% More info
4.65% 4.75% $0 $395 p.a. 80% More info
ANZ Simplicity PLUS Basic Home Loan - Variable
Additional repayments and a low variable rate for the life of the loan. Plus $0 application fee for a limited time on request (normally $600).
4.55% 4.60% $0 $0 p.a. 95% More info
ANZ Fixed Rate Home Loan - 2 Year Fixed (Owner Occupier)
Flexible repayment options to help you save.
3.90% 5.06% $600 $10 monthly ($120 p.a.) 95% More info
ANZ Standard Variable Home Loan  - Variable
Hard to beat flexibility and value with the ANZ Standard.
5.25% 5.35% $600 $5 monthly ($60 p.a.) 90% More info
ANZ Fixed Rate Home Loan - 1 Year Fixed (Owner Occupier)
Low interest rate home loan with an offset account facility.
4.54% 5.24% $600 $10 monthly ($120 p.a.) 95% More info
ANZ Breakfree Home Loan Package  - $150,000 to $249,999 (Owner Occupier)
ANZ Breakfree Professional Package ($150,000 / $249,999)
4.75% 4.85% $0 $395 p.a. 95% More info
ANZ Breakfree Home Loan Package  - $250,000 to $699,999 (Owner Occupier)
Enjoy great savings and a range of benefits on this package.
4.65% 4.75% $0 $395 p.a. 95% More info
ANZ Breakfree Home Loan Package  - $700,000+ (Owner Occupier)
Be rewarded with bonus interest on recognised savings accounts.
4.55% 4.65% $0 $395 p.a. 95% More info
ANZ Fixed Rate Home Loan - 5 Year Fixed (Owner Occupier)
Borrow up to 80% of your home loan value.
4.74% 5.12% $600 $10 monthly ($120 p.a.) 95% More info
ANZ Breakfree Package Home Loan - 1 Year Fixed (Owner Occupier)
A competitive fixed rate with package discounts and a 100% offset account.
4.39% 4.75% $0 $395 p.a. 95% More info
ANZ Equity Manager
A low interest rate home loan with a low ongoing fee.
5.67% $600 $150 p.a. 90% More info
ANZ Breakfree Package Home Loan - 5 Year Fixed (Owner Occupier)
Lock in a competitive rate for five years.
4.59% 4.81% $0 $395 p.a. 95% More info
ANZ Land Loan - Owner Occupier
Buy vacant land with a competitive interest rate.
5.25% 5.35% $600 $0 p.a. 95% More info
ANZ Simplicity PLUS Basic Home Loan - Special Offer
Enjoy a home loan with no aplication fee or ongoing fee.
4.03% 4.07% $0 $0 p.a. 95% More info
Rates last updated December 6th, 2016
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
4.36% 4.99% $600 $10 monthly ($120 p.a.) 90% More info
ANZ Interest in Advance Loan (Yearly) - 2 Years With Breakfree Package
Enjoy the advantages of ANZ's Breakfree Package and pay your interest 1 year in advance while it's fixed for 2 years.
3.79% 4.85% $600 $10 monthly ($120 p.a.) 90% More info
3.79% 4.77% $600 $10 monthly ($120 p.a.) 90% More info
4.79% 5.04% $600 $10 monthly ($120 p.a.) 90% More info
4.69% 5.00% $600 $10 monthly ($120 p.a.) 90% More info
ANZ Interest in Advance Loan (Yearly) - 7 Years With Breakfree Package
Plan your investment portfolio by paying your interest in advance for 7 years including the benefits of ANZ's Breakfree Package.
7.34% 6.52% $600 $10 monthly ($120 p.a.) 90% More info
7.34% 6.94% $600 $10 monthly ($120 p.a.) 90% More info
4.51% 5.48% $600 $10 monthly ($120 p.a.) 90% More info
ANZ Interest in Advance Loan (Yearly) - 2 Years Without Breakfree Package
Saves on interest cost with this ANZ Interest in Advance Loan (Yearly) - 2 Years Without Breakfree Package
3.94% 5.28% $600 $10 monthly ($120 p.a.) 90% More info
ANZ Interest in Advance Loan (Yearly) - 3 Years Without Breakfree Package
Enjoy peace of mind knowing your repayments will not change over a period of time.
3.94% 5.16% $600 $10 monthly ($120 p.a.) 90% More info
ANZ Interest in Advance Loan (Yearly) - 4 Years Without Breakfree Package
Easier budgeting with ANZ Interest in Advance Loan (Yearly) - 4 Years Without Breakfree Package.
4.94% 5.39% $600 $10 monthly ($120 p.a.) 90% More info
4.84% 5.31% $600 $10 monthly ($120 p.a.) 90% More info
ANZ Interest in Advance Loan (Yearly) - 7 Years Without Breakfree Package
Lock in an interest rate and the ability to pay it yearly in advance for 7 years.
7.49% 6.76% $600 $10 monthly ($120 p.a.) 90% More info
ANZ Interest in Advance Loan (Yearly) - 10 Years Without Breakfree Package
Have a long term plan for your loan and pay your interest in advance for 10 years.
7.49% 7.08% $600 $10 monthly ($120 p.a.) 90% More info

Comparison of ANZ Home Loans

If you are buying a home, ANZ can offer you these options:

Each ANZ home loan includes the following benefits:

  • You can reset the repayments without having to refinance the mortgage.
  • Your choice of repayment frequency.
  • You can make additional repayments (note that fixed rate home loans from ANZ cap the amount of extra repayments you can make each year).
  • You can redraw from a variable interest rate home loan for free.
  • You can make interest-only repayments for up to 10 years.

Simplicity PLUS Home Loan

The Simplicity PLUS home loan is the most basic of all the ANZ home loans. It has a low variable interest rate that is guaranteed to remain low for the life of the loan. There are no extra features attached so you won’t be paying for features you may not need. You can also make unlimited additional repayments.

The ANZ Simplicity PLUS home loan has an upfront loan approval fee of , but no ongoing loan administration fee. There's also no fee charged for using the redraw facility. The minimum redraw amount is . ANZ Simplicity PLUS Home Loan

ANZ Variable Rate Home Loan

The ANZ Variable Rate home loan is structured to give you a home loan with full flexibility and value. It has a number of features designed to accommodate any changes you may experience in your financial and personal circumstances as well as help you to save money. The loan allows you to make additional repayments at any time, and there's a redraw facility so you can access those additional repayments if you need them in the future. You can also link a 100% offset account to your loan, which helps reduce the interest charged on your loan. Plus, under certain circumstances you can take a repayment holiday for up to three months.

The loan can be in the name of an individual, a company or a business entity, but the property being purchased must be for the benefit of yourself, a company director or the beneficiaries of a trust.

ANZ Fixed Rate Home Loan

The ANZ Fixed Rate Home Loan can offer you the certainty of knowing what your repayments will be each month for the period of the fixed term. The fixed interest rate terms available with ANZ are one, two, three, four, five, seven or 10 years on an overall loan term of 30 years. The minimum amount that can be borrowed under the terms of the fixed rate home loan is $20,000 and for any loan with a LVR of more than 80%, lenders mortgage insurance will be required.

The loan can be in the name of an individual, a company or a business entity. ANZ Fixed Rate Home Loan

ANZ Breakfree Home Loan Package

The ANZ Breakfree package encompasses your everyday banking accounts, savings and ANZ credit cards. If you are eligible to add the Breakfree package to your ANZ home loan you can benefit from:

  • Fee waivers on loan approvals and account service fees on selected ANZ products.
  • Bonus interest paid on selected savings accounts.
  • Discounts on selected ANZ insurance products.
  • Priority customer service.
  • A discount of up to 0.70% off the ANZ standard variable interest rate.

Find out what your repayments will be in a few seconds

Get Yourself Prepared: Applying through ANZ

How to apply for an ANZ home loan

  • Start an application online in two minutes. When you follow a secure link from our comparison tables, you will be taken directly to an online application form for the ANZ home loan of your choice. Simply take two minutes to enter your personal contact details, the amount you want to borrow, the deposit you already have, and whether or not you are employed. You don’t have to enter your income, expenses or other assets and liabilities.
  • An ANZ mortgage expert will contact you. Within one business day you can expect a return call from an ANZ mortgage expert who can help you with the information you need to finalise the rest of your loan.
  • You will need building insurance before your loan can be processed. This is a requirement before your ANZ home loan can be approved.

To make your home loan decision faster and easier, start by comparing all of the features of all ANZ home loans using our comparison tables above. When you have settled on an ANZ loan you’re interested in, follow our secure link to start your application process in just minutes.

Documents needed to apply for an ANZ Home Loan

Personal information

You will need to provide 100 points of ID to verify your identity.

Property information

You’ll need to supply the contract of sale, certificate of title and the transfer of land document for the property you're buying.

Financial information

You’ll need to provide:

  • Information on your assets. Documents displaying your ownership of vehicles, real estate, shares or savings should be shown to your lender.
  • Details of your expenses and liabilities. Expenses and liabilities include credit card debt, loan debt, child support payments, utility bills and other outstanding bills that you owe.
  • Proof of income. If you earn a wage or salary you need to provide two consecutive pay slips, a letter from your employer stating your income, and information on wage deposits into a transaction account over a three-month period. If you are self-employed you need to provide personal tax returns.
Was this content helpful to you? No  Yes

Related Posts

This page was last modified on 13 September 2016 at 11:01.

HSBC Home Value Loan - Resident Owner Occupier only

Enjoy the low variable rate with $0 ongoing fee and borrow up to 90% LVR.

ME Bank Basic Home Loan - LVR <=80% Owner Occupier

A low variable rate loan with no application or ongoing fees.

NAB Choice Package Home Loan - 3 Year Fixed (Owner Occupier)

Receive discounts on interest rates with the Choice Package. 250,000 Velocity Frequent Flyer point offer, conditions apply.

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

18 Responses to ANZ Home Loans

  1. Default Gravatar
    Mark | August 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 .

    • Staff
      Marc | August 17, 2015

      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.

  2. Default Gravatar
    Julianne | June 11, 2015

    I need a gift letter stat decleration from my mum to give to ANZ. Which form do I use?

    • Staff
      Belinda | June 12, 2015

      Hi Julianne,

      Thanks for your enquiry.

      Depending on the home loan that you’re applying for, you’ll need to contact ANZ directly to access the relevant gift letter declaration form.

      Thanks,
      Belinda

  3. Default Gravatar
    trevor | May 28, 2015

    hi we are trying to buy we have 20 thousand in the bank a gaurentour but we are on disability pension carers pension and a single mothers pension can you help kind regards .Trevor

    • Staff
      Belinda | June 1, 2015

      Hi Trevor,

      Thanks for reaching out to finder.com.au.

      Lenders treat these applications on a case-by-case basis but you’ll need to provide evidence of your pension support and ability to use this income to service the loan.

      If you’re considering an ANZ home loan, I suggest that you contact ANZ directly.

      Thanks,
      Belinda

  4. Default Gravatar
    Karyn | May 26, 2015

    I’m enquiring about Mortgage Payment Holiday periods. Does ANZ offer these options?

    • Staff
      Belinda | May 29, 2015

      Hi Karyn,

      Thanks for your enquiry.

      It is possible to apply for a mortgage payment holiday period or a repayment reduction for a set amount of time with ANZ.

      Please contact ANZ to discuss your options.

      Thanks,
      Belinda

  5. Default Gravatar
    Avin | April 27, 2015

    Does the 95LVR include or exclude LMI to buy either a investment property or a PPOR?
    Thanks

    • Staff
      Belinda | May 20, 2015

      Hi Avin,

      Thanks for your enquiry.

      ANZ usually requires LMI whenever the Loan to Value Ratio (LVR) is above 80%. However, LMI may be required when LVR is below 80% for some types of property.

      Should you have any further enquiries about LMI for an ANZ home loan, please contact ANZ directly.

      I hope this helps.

      Thanks,
      Belinda

    • Default Gravatar
      | May 20, 2015

      Thanks for your reply but that’s not the answer I was looking for. I know for a fact that there is LMI involved of the LVR is above 80%.
      Cheers

    • Staff
      Belinda | May 29, 2015

      Hi Avin,

      Thanks for reaching out, and apologies if I didn’t provide the answer you were looking for.

      I can confirm that LMI can be capitalised within your loan at an additional 2% borrowing on top of your overall loan balance.

      For example, 90% borrowing + 2% LMI would amount to 92% total borrowing amount.

      To include LMI within the LVR, you would require a 5% deposit and then the LMI would be capitalised into the loan up to 97%.

      I hope this clarifies things for you.

      Thanks,
      Belinda

  6. Default Gravatar
    amy | January 28, 2015

    is it possible to release some of your guarantors equity ? so they are still a guarantor but the amount for lowers abit as our own equity has gone up $50,000

    • Staff
      Shirley | January 28, 2015

      Hi Amy,

      Thanks for question.

      Yes it’s possible to release some of your guarantor’s equity, though ANZ will need to make an assessment and make a decision based on that.

      If you would like to proceed, please get in touch with ANZ directly.

      Cheers,
      Shirley

  7. Default Gravatar
    nis | December 22, 2014

    Which bank best to borrow home loan?

    • Staff
      Shirley | December 22, 2014

      Hi Nis,

      Thanks for your question.

      Please note that we don’t recommend specific products, services or providers.

      It’s advisable that you speak to a mortgage specialist regarding the best loan for you.

      Cheers,
      Shirley

  8. Default Gravatar
    Chris | July 31, 2014

    Hi,

    I currently have between $1-1.2m in H/Ls.

    Please advise your best variable rate.

    Thank you
    Chris

    • Staff
      Marc | August 1, 2014

      Hi Chris,
      thanks for the question.

      The best rate for your situation will depend on a number of factors, including what features you use and your loan purpose. I’d suggest contacting ANZ directly to find out the best rate they’d be offer for your particular situation.

      Cheers,
      Marc.

Ask a question
feedback