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.

Name Product Interest Rate (p.a.) Comp. Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
ANZ Breakfree Package Home Loan Fixed
3.34% p.a.
$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
3.78% p.a.
$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
3.02% p.a.
$0 p.a.
Buy a home with just a 10% deposit and pay no application or ongoing fees.

Compare up to 4 providers

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*

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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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