ANZ Home Loans

ANZ has a range of home loans to suit different lending needs.

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On this page you can find information about ANZ home loans. Skip ahead to the full table of products or read more about the lender.

Compare ANZ home loans

Here are rates for three different ANZ mortgage products. Hit the "Load more" button to see a bigger selection and hit "Enquire now" to talk a mortgage broker about any of these home loans and compare other options.

Data indicated here is updated regularly
Name Product Interest Rate (p.a.) Comp. Rate^ Application Fee Ongoing Fees Max LVR Monthly Payment
ANZ Breakfree Package Home Loan Fixed
$395 p.a.
This 2 year fixed ANZ Breakfree Package rate comes with package discount and product bundle.
ANZ Breakfree Package Home Loan Fixed
$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
$0 p.a.
Get a low variable rate from a ANZ and save money with $0 application or ongoing fees. Requires a 20% deposit.

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ANZ lender profile

  • ANZ is 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 other banking products and services.
  • ANZ offers a wide range of home loans for owner-occupiers and investors wanting to buy or build property.

ANZ mortgage features

ANZ has variable and fixed rate home loans for investors and owner occupiers, plus package home loans that offer discounts on other ANZ products.

Deposit sizeYou can borrow up to 95% with some ANZ mortgages.
Offset accountThe ANZ Breakfree Home Loan Package Fixed comes with a 100% offset account when fixing rates for one year.
Redraw facilityThe ANZ Simplicity PLUS home loan offers fee-free redraw facility.
Home loan packageThe Breakfree Package offers fee waivers on select ANZ credit cards and saving accounts.

How do I apply for a ANZ mortgage?

You can learn more about a specific ANZ mortgage by clicking through to that product's review page. Hitting the 'Enquire Now' button lets you get in touch with a qualified mortgage broker whose lending panel includes ANZ and other lenders. They can offer you free advice and guidance on the product you're interested in.


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:

  • Identification documents. You will need identification such as a driver's license, 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).

Detailed guide to home loan applications and paperwork

Looking for more mortgage options?

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 Equity Manager Home Loan

    With the ANZ Equity Manager you can put the equity in your home to work with a line of credit home loan.

  • ANZ Simplicity PLUS Home Loan

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

Home Loan Offers

Important Information*
Logo for Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)
Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)

Up to $3,000 refinance cashback. A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.

Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Up to $4,000 refinance cashback. With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get up $4,000 cashback and borrow up to 90% of the property's value. (Terms, conditions & exclusions apply).

Logo for Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I
Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I

A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.

Logo for Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)

Get a competitive variable interest rate with no application fee or ongoing fees.

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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 chat box 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?

      Avatarfinder Customer Care
      BelindaJune 12, 2015Staff

      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

      Avatarfinder Customer Care
      BelindaJune 1, 2015Staff

      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?

      Avatarfinder Customer Care
      BelindaMay 29, 2015Staff

      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.


    Default Gravatar
    AvinApril 27, 2015

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

      Avatarfinder Customer Care
      BelindaMay 20, 2015Staff

      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.


      Default Gravatar
      AvinMay 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%.

      Avatarfinder Customer Care
      BelindaMay 29, 2015Staff

      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.


    Default Gravatar
    amyJanuary 28, 2015

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

      Avatarfinder Customer Care
      ShirleyJanuary 28, 2015Staff

      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.


    Default Gravatar
    nisDecember 22, 2014

    Which bank best to borrow home loan?

      Avatarfinder Customer Care
      ShirleyDecember 22, 2014Staff

      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.


    Default Gravatar
    ChrisJuly 31, 2014


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

    Please advise your best variable rate.

    Thank you

      Avatarfinder Customer Care
      MarcAugust 1, 2014Staff

      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.


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