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Home Loans

Fixed Rate

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The ANZ Fixed Rate Home Loan offers you the certainty of knowing what your repayments are for the fixed period, and safeguards you against increasing interest rates.

This loan is also available in the name of a company or business entity. The property must be for the personal benefit of the directors of the company or beneficiaries of the trust. Taking a loan in a company name can provide a tax benefit, however please see your financial advisor before making a decision.

Standard Features

Fixed Term Interest Rate Magnifying GlassComparison Rate™ *
1 year 5.99% p.a. 7.61% p.a.
2 years 5.99% p.a. 7.45% p.a.
3 years 6.69% p.a. 7.50% p.a.
4 years 7.39% p.a. 7.69% p.a.
5 years 7.39% p.a. 7.67% p.a.
7 years 7.59% p.a. 7.75% p.a.
10 years 7.99% p.a. 8.04% p.a.
Loan term 1-5, 7 & 10 year fixed rate terms available. Maximum overall term is 30 years
Minimum amount $20,000
Maximum amount 90% of the valuation of the security property
Lenders Mortgage Insurance Required if amount borrowed is more than 80% of the valuation of the security property

Key Features

Repay loan early Yes - you have the freedom to repay your loan in full at any time. Fees and charges may apply (PDF, 388kb).
Make additional repayments Yes - additional repayments can be made up to a set tolerance amount**. Early repayment costs may apply for additional repayments above the tolerance amount.
100% Mortgage Offset Yes - (One Year Fixed Rate only) this mortgage offset account makes the most of your available funds to reduce interest costs, and shorten the term of your loan:
Redraw facility Yes - Redraw allows you to access any additional loan payments you have made
Ability to split loan Yes - Find out more
Lock Rate Yes - Lock Rate is available on the 1-5 Year Fixed Rate Loans of up to $500,000. This means you keep the advertised interest rate at the time of your application for a maximum of 60 days.
Draw down loan progressively Yes - up to four months.
Fees and charges apply (PDF, 388kb).
Interest only payments Yes - up to 10 years.
Minimise your repayments and free up cash by paying interest-only
Reduced fees on a personal transaction account*** Yes - you will not pay account servicing fees or additional withdrawal fees on your linked ANZ Access Advantage account
ANZ Assured $1,000 ANZ Assured facility on an ANZ One cheque or savings account linked to the loan (subject to ANZ approval)

Summary of Fees and Charges

Loan Approval Fee
(LAF) 		$600
Loan Administration Charge $10 per month (Applies during fixed interest rate period)
Redraw fee $25 redraw fee, $2,000 minimum redraw (additional conditions apply).
Early Repayment Administration Fee $300 if you fully prepay your loan during the fixed rate period. Only applies to loan agreements made on or after 1 November 1996.
Early Repayment Cost May be payable if and when you repay your loan in full, or make an early or additional repayment, during the fixed interest rate period. The definition and method of calculation are set out in the Consumer Lending Terms and Conditions booklet under the heading 'Repaying Your Loan Early During a Fixed Interest Rate Period'.
Consumer Lending Terms and Conditions booklet (PDF, 547kb).
Locked rate fee $600 plus 0.15% of the loan amount payable at application. Maximum loan amount of $500,000 applies. Lock Rate allows the interest rate to be held at the time of application for a maximum period of 60 days.
Converting or renegotiating Find out more

For full details of all fees and charges refer to Personal Banking General Fees and Charges (PDF, 168kb)

ANZ. Home Loan Lender of the Year, again. Money magazine's Home Loan Lender of the Year 2007, 2006 and 2005. Personal Investor magazine's Home Lender of the Year 1999-2002, 2004 and 2005.

* Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.

WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

A copy of the Comparison Rate Schedule is available at any ANZ branch or view it online ANZ Comparison Rate Schedule (PDF, 40kb).

Terms and conditions available on application. Fees and charges apply.

* The Rates shown apply for interest paid yearly in advance. The Rates applicable for interest paid monthly, quarterly or semi - annually in advance are available on application at any ANZ Branch.

** For more information regarding the tolerance please visit any ANZ branch or phone the Home Loan Hotline on 1800 100 641 8am - 11pm EST seven days a week.

*** Non-ANZ ATM Fees apply, salary must be deposited to the account to obtain the waiver.

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