- Cashback offer
Eligible refinancers and first home buyers can get a cashback through ANZ. Eligible refinancers switching to ANZ can get a cashback worth $2,000. Your loan must be at least $250,000 and you must have an LVR of 80% or less. You must draw down the loan within 120 days of applying.Eligible first home buyers can get a cashback of $3,000 when they take out a loan of $250,000. You must draw down the loan within 180 days of applying.Full conditions apply for both offers.
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 February 2025
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".
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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.
Review by our senior home loans writer Richard Whitten
What do Australians think of ANZ home loans?
Owner Occupier home loans
- 3.7/5 overall for Customer Satisfaction — lower than the average of 3.98, and this was the lowest score in the category
- 3.93/5 for Trust — lower than the average of 4.36, and this was the lowest score in the category
- 3.63/5 for Customer Service — lower than the average of 3.97, and this was the lowest score in the category
Investor home loans
- 3.79/5 overall for Customer Satisfaction - lower than the average of 3.97
- 4.29/5 for Trust — lower than the average of 4.42
- 3.65/5 for Customer Service — lower than the average of 3.95
Based on ANZ home loans scores in Finder's 2024 Customer Satisfaction Awards.
ANZ mortgage features
Here are the key features and details you need to know about ANZ's mortgage products.
Feature | Details |
---|---|
Deposit size | You 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 options | ANZ'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 benefits | ANZ'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.
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).
Lenders like ANZ
If you're interested in Australia's biggest banks you can also compare loans from ANZ's Big Four rivals.
Looking for more mortgage options?
- Online lenders. Compare more mortgages from online lenders.
- Best home loans. Finder's top loan picks every month.
- Cheapest rates. Compare the lowest home loan rates on the market.
- Investors. Compare more loans for property investors.
- Mortgage brokers. Still confused? Get free, expert guidance from a qualified mortgage broker.
More home loan questions
What is Finder Score?
The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.
Read the full Finder Score breakdown
Ask a question
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Best home loans with offset accounts
What is an offset account? It can save you thousands in interest and help you own your home sooner.
I would like to refinance home loan. Can I get multiple offset account?
Hi there,
If you’re looking to refinance to an ANZ home loan, you can only get access to 1 offset account if you fix your home loan rate for one year. Take a look at each loan option carefully to make sure you choose the home loan with the right features for you. If you need more than one offset account, it might be worth comparing other lenders and looking at their options thoroughly.
Thanks,
Rebecca
anz said breakfree package no longer available
Hello Steve,
Thanks for your comment. We’ve confirmed this with ANZ and will remove the page.
Kind regards,
Richard
I would like to refinance my WP home loan with a low interest loan with bonus frequent flyer points and/or cashback offer. Thankykou
Hi Marie,
At Finder, we don’t offer home loans directly but we can help you compare loans. And if you want help with a specific loan you can also talk to a mortgage broker.
Kind regards,
Richard
What is the deposit?
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.
Regards,
Jhezelyn
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 .
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.