ANZ home loans

ANZ has home loans for owner-occupiers and investors, with rates starting from 2.04%.

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ANZ is one of Australia's Big Four banks, providing home loans for investors and owner-occupiers, including fixed and variable rates, and home loan packages. Check out the full table of ANZ products below or read more about the lender and its loans.

Compare ANZ home loans for October 2021

Hit the "Load More" button to compare a bigger selection of products. You can also find more information on each individual product by clicking "More Info".

Name Product Interest Rate (p.a.) Comp. Rate (p.a.) Fees Monthly Payment

ANZ Breakfree Package Home Loan Fixed P&IHome 3Y Fixed≥ 20% Deposit

ANZ Breakfree Package Home Loan Fixed
  • App: $0
  • Ongoing: $395 p.a.
Pay $0 application fee and make (limited) extra repayments, and this super-low rate is locked in for 3 years.

ANZ Breakfree Package Home Loan Fixed P&IInvestment 2Y Fixed≥ 20% Deposit

ANZ Breakfree Package Home Loan Fixed
  • App: $0
  • Ongoing: $395 p.a.
Fund your property portfolio with a low deposit package loan from ANZ. Bundle your loan with credit card and bank account for discounts.

ANZ Simplicity PLUS Home Loan P&IHome≥ 10% Deposit

ANZ Simplicity PLUS Home Loan
  • App: $0
  • Ongoing: $0 p.a.
Buy a home with just a 10% deposit and pay no application or ongoing fees.

ANZ Fixed Rate Home Loan P&IHome 2Y Fixed≥ 10% Deposit

ANZ Fixed Rate Home Loan
  • App: $600
  • Ongoing: $10 per month
Flexible repayment options to help you save.

ANZ Interest in Advance Loan (Yearly) P&I 2Y Fixed≥ 10% Deposit

ANZ Interest in Advance Loan (Yearly)
  • App: $0
  • Ongoing: $395 p.a.
Enjoy the advantages of ANZ's Breakfree Package and pay your interest 1 year in advance while it's fixed for 2 years.

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ANZ key facts

  • 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.
  • ANZ also offers personal loans, credit cards, savings accounts, bank accounts, insurance products and other banking products and services.

ANZ mortgage features

Here are the key features and details you need to know about ANZ's mortgage products.

Deposit sizeYou can borrow up to 90% with many ANZ mortgages, including some of its most competitive rates.
Offset account?Some ANZ loans come with 100% offset accounts, but not all of them do so check carefully before applying.
Repayment optionsANZ's fixed and variable rate loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.
Package benefitsANZ's package home loans offer discounted mortgage rates, offset accounts and fee waivers on the loan and a credit card.

How do I apply for an ANZ mortgage?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.


Each ANZ product has specific eligibility criteria but some will apply to all products. For example:

  • 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.

Documents required

When you apply for a mortgage with ANZ you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property, but to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

Lenders like ANZ

If you're interested in Australia's biggest banks you can also compare loans from ANZ's Big Four rivals.

More home loan questions

More guides on Finder

  • ANZ Breakfree Home Loan Package Fixed

    Achieve greater financial manageability with all of your accounts linked together into one package that also includes a fixed rate home loan.

  • ANZ Breakfree Home Loan Package Review

    The ANZ Breakfree Package waives a range of fees on your home loan and other ANZ products in exchange for charging an annual fee. Here's what you should know first.

  • ANZ Standard Variable Home Loan

    The ANZ Standard Variable Home Loan is a full feature loan with a 100% offset account, a maximum LVR of 90% and can be used for investment properties.

  • ANZ Simplicity PLUS Home Loan

    The ANZ Simplicity PLUS Home Loan offers competitive rates and low fees. Compare and apply.

Home Loan Offers

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20 Responses

    Default Gravatar
    GordonSeptember 17, 2018

    What is the deposit?

      Avatarfinder Customer Care
      JhezSeptember 17, 2018Staff

      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.


    Default Gravatar
    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 .

      Avatarfinder Customer Care
      MarcAugust 17, 2015Staff

      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,

    Default Gravatar
    JulianneJune 11, 2015

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

      Default Gravatar
      BelindaJune 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.


    Default Gravatar
    trevorMay 28, 2015

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

      Default Gravatar
      BelindaJune 1, 2015

      Hi Trevor,

      Thanks for reaching out to

      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.


    Default Gravatar
    KarynMay 26, 2015

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

      Default Gravatar
      BelindaMay 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.


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