ANZ home loans

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 December 2023

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Name	Interest Rate p.a.	Comparison Rate p.a.	Fees	Monthly Payment
ANZ Fixed Rate Home Loan Principal & Interest 2Y Fixed20% min. depositOwner-occupier	Interest Rate 6.54%	Comparison Rate 7.10%	Fees Application: $0 Ongoing: $10 per month	Monthly Payment $953	Enquire now Compare	$2,000 cashback Refinancers borrowing $250K+ can get a cashback of $2,000 with an LVR of 80% or less (terms & conditions apply).
ANZ Fixed Rate Home Loan Principal & Interest 2Y Fixed10% min. depositOwner-occupier	Interest Rate 6.59%	Comparison Rate 7.27%	Fees Application: $0 Ongoing: $10 per month	Monthly Payment $958	Enquire now Compare	$2,000 cashback Refinancers borrowing $250K+ can get a cashback of $2,000 with an LVR of 80% or less (terms & conditions apply).
ANZ Fixed Rate Home Loan Principal & Interest 3Y Fixed10% min. depositOwner-occupier	Interest Rate 6.64%	Comparison Rate 7.21%	Fees Application: $0 Ongoing: $10 per month	Monthly Payment $963	Enquire now Compare	$2,000 cashback Refinancers borrowing $250K+ can get a cashback of $2,000 with an LVR of 80% or less (terms & conditions apply).
ANZ Simplicity PLUS Home Loan Principal & Interest20% min. depositOwner-occupier	Interest Rate 6.54%	Comparison Rate 6.54%	Fees Application: $0 Ongoing: $0 p.a.	Monthly Payment $953	Enquire now Compare	$2,000 cashback Refinancers borrowing $250K+ can get a cashback of $2,000 with an LVR of 80% or less (terms & conditions apply).
ANZ Simplicity PLUS Home Loan Principal & Interest20% min. depositInvestment	Interest Rate 6.74%	Comparison Rate 6.74%	Fees Application: $0 Ongoing: $0 p.a.	Monthly Payment $973	Enquire now Compare	$2,000 cashback Refinancers borrowing $250K+ can get a cashback of $2,000 with an LVR of 80% or less (terms & conditions apply).

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ANZ mortgage features

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

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.

Eligibility

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.

• NAB
• Commonwealth Bank
• Westpac

More home loan questions

• 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.