Compare our home loans

Whether you’re buying your first home, investing in property or looking to make the switch from your current loan provider – we’ve got a home loan to suit your needs. After beating hundreds of other loans, ANZ is still Australia’s most awarded home lender^*, offering great rates and dedicated home loan specialists to guide you through the process.

Looking for a home loan package?

Try ANZ Breakfree, our home loan package that offers you great savings on home and investment loans, day-to-day banking accounts, credit cards and much more.

Variable, fixed and equity home loans

The table below outlines the main features of our variable, fixed and equity home loans. Click on the name of each loan for more information.

	Variable		Fixed	Equity and credit
	Simplicity PLUS	Variable rate	Fixed rate	Equity Manager
Description	A 'no-frills' home loan with low fees and a low interest rate	Designed to give you flexibility and value	Lock into an interest rate over a pre-determined period	Flexible line of credit available for personal, residential or investment purposes
Interest rates	(View current rates)	(View current rates)	1yr (View current rates) 10yrs (View current rates)	(View current rates)
Comparison rate™ ** (% p.a.)	(View current rates)	(View current rates)	1yr (View current rates) 10yrs (View current rates)	Not available
Additional repayments allowed			(may incur fees)
100% offset account	Not available	ANZ One (offset account)	ANZ One (offset account) one year fixed rate only	Not available (same benefit is received by depositing and withdrawing from account)
Interest only payment	Up to 10 years	Up to 10 years	Up to 10 years
Redraw facility			(after a fixed period)
Maximum loan of property value (%) ^	90%	90%	90%	90%
Loan approval fee	$600	$600	$600	$600
Admin fee	$0	$5 per month	$10 per month	$150 per year credit facility fee
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Other home loans

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Home loan comparison rate calculator

* Money Magazine Home Lender of the Year Award 2010, 2008, 2007, 2006 and 2005, and AFR Smart Investor Magazine Home Lender of the Year Award 2005, 2004, 2002, 2001, 2000 and 1999. Australian Lending Awards, Mortgage Lender of the Year Award 2011 and Best Investor Lender Award 2011 and 2012. The Australian Lending Awards is an independent initiative of The Adviser and specialist research and advisory firm RFI. ANZ’s Home Loan range achieved 5 stars across all of CANSTAR’s mortgage rating profiles.

 

** This Comparison Rate is for a loan of $150,000 over 25 years.

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 Comparison Rate schedule is available at any ANZ branch.

^ A valuation fee may apply. Lenders Mortgage Insurance required if amount borrowed is more than 80% of the valuation of the security property.

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