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ANZ home loans

ANZ has home loans for owner-occupiers and investors, with rates starting from 6.54%.

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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.

  • 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.

Compare ANZ home loans for June 2024

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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Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
ANZ logo
Principal & Interest 2Y Fixed20% min. depositOwner-occupier
ANZ logo
Principal & Interest 2Y Fixed20% min. depositOwner-occupier
Product NameANZ Fixed Rate Home Loan
Interest Rate TypeFixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.54%
Comp. Rate p.a.7.10%
Minimum Loan Amount$20,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Interest Rate
6.54%
Comparison Rate
7.10%
Fees
Application: $0
Ongoing: $10 p.a.
Monthly Payment
$953
$2,000 - $3,000 cashback
First home buyers can get a cashback of $3,000 and refinancers can get a cashback of $2,000 with a new ANZ loan of $250K+ (terms & conditions apply).
ANZ logo
Principal & Interest 2Y Fixed10% min. depositOwner-occupier
ANZ logo
Principal & Interest 2Y Fixed10% min. depositOwner-occupier
Product NameANZ Fixed Rate Home Loan
Interest Rate TypeFixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.59%
Comp. Rate p.a.7.27%
Minimum Loan Amount$20,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Interest Rate
6.59%
Comparison Rate
7.27%
Fees
Application: $0
Ongoing: $10 per month
Monthly Payment
$958
$2,000 - $3,000 cashback
First home buyers can get a cashback of $3,000 and refinancers can get a cashback of $2,000 with a new ANZ loan of $250K+ (terms & conditions apply).
ANZ logo
Principal & Interest5% min. depositOwner-occupier
ANZ logo
Principal & Interest5% min. depositOwner-occupier
Product NameANZ Simplicity PLUS Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.7.64%
Comp. Rate p.a.7.64%
Minimum Loan Amount$50,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Interest Rate
7.64%
Comparison Rate
7.64%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$1,065
ANZ logo
Interest only40% min. depositInvestment
ANZ logo
Interest only40% min. depositInvestment
Product NameANZ Simplicity PLUS Home Loan
Interest Rate TypeVariable rate
Repayment Type Interest Only
Interest Rate p.a.7.04%
Comp. Rate p.a.6.85%
Minimum Loan Amount$50,000
Maximum Loan Amount $1,000,000
Maximum Loan Term30 years
Maximum LVR 60%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Interest Rate
7.04%
Comparison Rate
6.85%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$1,003
ANZ logo
Principal & Interest 3Y Fixed10% min. depositOwner-occupier
ANZ logo
Principal & Interest 3Y Fixed10% min. depositOwner-occupier
Product NameANZ Fixed Rate Home Loan
Interest Rate TypeFixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.64%
Comp. Rate p.a.7.21%
Minimum Loan Amount$20,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Interest Rate
6.64%
Comparison Rate
7.21%
Fees
Application: $0
Ongoing: $10 per month
Monthly Payment
$963
$2,000 - $3,000 cashback
First home buyers can get a cashback of $3,000 and refinancers can get a cashback of $2,000 with a new ANZ loan of $250K+ (terms & conditions apply).
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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

ANZ mortgage features

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

FeatureDetails
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.

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.

More home loan questions

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26 Responses

    Default Gravatar
    GPMarch 6, 2023

    I would like to refinance home loan. Can I get multiple offset account?

      AvatarFinder
      RebeccaMarch 7, 2023Finder

      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

    Default Gravatar
    steveAugust 2, 2022

    anz said breakfree package no longer available

      AvatarFinder
      RichardAugust 5, 2022Finder

      Hello Steve,

      Thanks for your comment. We’ve confirmed this with ANZ and will remove the page.

      Kind regards,
      Richard

    Default Gravatar
    MareeJune 13, 2022

    I would like to refinance my WP home loan with a low interest loan with bonus frequent flyer points and/or cashback offer. Thankykou

      AvatarFinder
      RichardJune 15, 2022Finder

      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

    Default Gravatar
    GordonSeptember 17, 2018

    What is the deposit?

      AvatarFinder
      JhezelynSeptember 17, 2018Finder

      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

    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
      MarcAugust 17, 2015Finder

      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.

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