Whether you’re buying, renovating or refinancing, we have a range of options that could help you save and tools to assist you to stay on top of your home loan repayments, including:
A discounted home loan rate, personalised to you for the life of the loan disclaimer
$2,000 cashback when you switch an eligible loan of $250k+ and 80% or less LVR to ANZ disclaimer
$0 ANZ set up or ongoing fees disclaimer
The information on this page does not apply to ANZ Plus and Suncorp products
Buy a new home Refinance to ANZ Buy an investment
If you're buying your first home, you could get $3,000 to spend however you like, plus support from an ANZ First Home Coach. Available to eligible first home buyers with an ANZ home loan of $250,000 or more.
Drawdown within 180 days of applying, bonus paid after settlement. Eligibility criteria and T&Cs apply. disclaimer
Use our home loan borrowing power calculator to estimate how much you may be able to borrow based on your current financial situation.
Quickly compare estimated costs when deciding to either buy, sell or renovate your current or future property with our Next Home calculator.
Ready to get started? Take the next step towards your home buying journey by providing details about:
One of our home loan specialists will get in touch to progress with your application.
Call back time is 1-3 business days.
Not ready to apply but want to speak with a home loan specialist? Get in touch another way
Get $2,000 cashback to spend on whatever you like when borrowing 80% or less of the property value. disclaimer
On eligible loans of $250,000 or more refinanced to ANZ (including any new lending as part of the refinance). See our terms and conditions below. disclaimer
Use our home loan repayment calculator to quickly estimate new repayment amounts when considering refinancing with ANZ.
If you're considering our standard variable rate home loan, talk to us to see if you may be able to get a further discount off the index rate, depending on your situation.
Buy your next investment with confidence with an ANZ Property Profile Report. Find out sales and rental history, property price range estimates and suburb insights.
Simply enter the property details, select report type, submit form and your report will be sent straight to your inbox.
Ready to buy your first or next investment? Take the next step in your journey by providing details about:
One of our home loan specialists will get in touch to progress with your investment application.
Call back time is 1-3 business days.
Not ready to apply but want to speak with an investment property specialist? Get in touch another way
Already an ANZ home loan customer? Experience the ease and flexibility of managing your loan to suit your needs.
Learn to manage your repayments to assist in making the most of your ANZ home loan.
Explore options to increase your ANZ home loan if you need.
Explore options to modify your ANZ home loan repayments to suit your current financial needs.
Understand the differences between principal and interest versus interest-only home loan repayments.
Provide us with your details and one of our home loan specialists will get in touch. They can discuss issues including:
As well as any other home loan queries you may have.
Call back time is 1-3 business days.
Begin your home loan application journey by providing details about:
One of our home loan specialists will then be in touch to progress with your application.
Call back time is 1-3 business days.
Learn more about our home loans for business owners, or speak to our specialists who understand self-employed income.
You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.
Monday - Friday 8am to 8pm (Sydney/Melbourne time)
Use our borrowing power calculator to get a quick estimate on how much you may be able to borrow based on your current income and existing financial commitments.
Most home loans can fund up to 85-95% of the value of your property, which means you’ll need a minimum of up to 5-15% as a home deposit. However, there may be benefits in saving a larger home deposit. For example, if you borrow more than a certain level (commonly 80% of the value of the property you’re using the loan to buy), you might have to pay lender’s mortgage insurance (LMI). This can add a sizeable amount to your overall costs.
Generally, the more you have as a home deposit, the less you’ll need to borrow and the lower your monthly repayments. Find out how much you really need for a house deposit. If you already own a property, you might want to consider using the equity you’ve built up in that property to help with your deposit.
Find out more about home loan deposits and get tips on how to save for a deposit.
According to Moneysmart, a mortgage is a form of security (usually over real estate) that is used to secure repayment of a debt (usually a home loan).
A rate that helps you work out the true cost of a loan. This rate takes other fees and charges into account, like a loan approval fee and loan administration charge in addition to the interest rate. It’s meant to be a fairer way of comparing how much a loan will cost you.
For more information visit Moneysmart.
When you refinance a home loan, it means taking out a new home loan to replace your current home loan. Your current home loan is paid out by the new loan and you make repayments towards the new loan. Read more
LVR stands for 'Loan to Value Ratio' and it's the amount you’re looking to borrow, calculated as a percentage of the value of the property you want to buy (as assessed by ANZ). For instance if you’re borrowing $400,000 to buy a $500,000 property, your LVR would be 80% (because $400,000 is 80% of $500,000).
LVR is important because it may affect your borrowing power. Generally, the lower the LVR the better, as it carries less risk for the lender. If your LVR is above 80% (that is, you're looking to borrow more than 80% of the value of the property you want to buy), you may need to pay Lenders Mortgage Insurance (LMI). This insurance protects the lender - ANZ, not you - if you default on your home loan and there’s a shortfall following the sale of the property. Generally speaking the higher your LVR, the more LMI will cost.
Learn more about ANZ LMI with our Key Fact Sheet (PDF) or read our article on Lenders Mortgage Insurance.
*Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.
A fixed interest rate home loan is one where your interest rate is locked in (i.e. fixed) for a certain period, typically between one and ten years. During the time your interest rate is fixed, both your interest rate and your required repayments won’t change. Generally, at the end of the fixed term your loan will roll over to a variable rate, unless you choose to repeat the process (if eligible).
A variable interest rate home loan, on the other hand, can change at any time. Lenders may increase or decrease the interest rate attached to the loan. The interest rate may change in response to decisions made by the Reserve Bank of Australia, as well as other factors. Your required minimum repayment amount will increase if interest rates go up, and decrease if interest rates fall. Read more
There are many ways to apply for an ANZ home loan. You can visit an ANZ Branch, contact an ANZ Mobile Lender or ANZ accredited broker, or request a callback from one of our home loan specialists. And in under 5 minutes, you can also get your application started for pre-approval, a new home loan, refinancing, or topping up your existing home loan. Read more
If you choose interest only, the minimum payment amount on your loan will be lower during the interest only period because you are not required to repay any of the loan principal. You will have to repay the principal down the track and so you may end up paying more over the life of your loan. There may be additional restrictions on the amount you can borrow or loan type you can select if you choose to pay interest only.
Choosing to repay principal and interest means that, with each repayment, you're paying off interest charges as well as some of the loan principal.
Fixed home loan rates mean the interest rates on your home loan are locked in for a set period. Rate changes will not affect you and your repayments will remain the same during the fixed rate term. Fixed rate home loans provide certainty and stability. However, you may be charged costs if you change any of the terms of the loan, for example, make additional repayments above a permitted limit.
Variable home loan rates can change from time to time. This is great if interest rates go down but your budget would need to cover the possibility of rates going up as well. Variable rate home loans offer greater flexibility because you can make additional repayments and redraw, pay off your loan early or take advantage of an offset account.
As both fixed and variable rate loans have pros and cons, split loans are a way to get the best of both worlds. For example, you could split a $400,000 loan 50/50, with half in an ANZ Fixed Loan and the other half in an ANZ Standard Variable Loan.
You can split your loan into whatever ratio of fixed and variable suits you.
A comparison rate is designed to help you work out the total cost of a home loan by building the known costs like up-front and ongoing fees into that rate. It doesn’t include things like government charges, redraw fees or fee waivers.
You can use comparison rates to help you compare the cost of different home loans with similar features. When deciding which home loan is right for you, it’s important to think about what features each home loan offers, and how much these matter to you. Keep in mind that you may not necessarily pay the comparison rate that is advertised for your loan type. This is because, for example, you may not pay all the fees and charges which the comparison rate includes.
Interest rates shown on this page are current as at and are subject to change.
The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF) before acquiring any product.
Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply. Australian credit licence number 234527.
ANZ Buy Ready™ is a trade mark of ANZ.
For ANZ Standard Variable rates the applicable discount from the index rate is 1.20% p.a. for loans with a Loan to Value Ratio (LVR) of greater than 80% and 1.40% p.a. for loans with a LVR 80% or less. Further discounts may be available on standard variable rate loans dependent on your LVR which is determined by the size of your deposit or equity position. Equity in your home is calculated as the difference between the value of your home and the amount you have left to pay on your home loan at the time the calculation is performed. Property value is ANZ's valuation of the security property and may be different to the price you pay for a property. Eligibility criteria applies to the Special Offer discount for ANZ Simplicity PLUS, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.
Offer can be withdrawn at any time. Limit of one cashback within any 12 month period. Offer is $2,000 cashback with 80.00% LVR or less, loans with LVR above 80% are not eligible for cashback. Paid within 60 days to an eligible ANZ account. You must drawdown the Eligible ANZ Home Loan(s) within 120 days from applying. Excludes all internal refinances and switches within ANZ Group which includes Suncorp and ANZ Plus. See the full Terms and Conditions (PDF) for this offer. Fees, charges, eligibility criteria apply.
Other home loan fees including Late Payment Fee, Lock Rate Fee, Early Repayment Cost (Fixed Rate Loans) and ANZ Equity Manager facility fee still apply. Loan security fees including Lodgement Fee, Production Fee, Settlement Fee and Search Fee still apply however will not be charged on establishment of a loan. Government fees and charges (including government search fees and stamp duty) may still apply.
Offer can be withdrawn at any time. Maximum one bonus per eligible loan, individual may only claim once. Available for eligible First Home Buyers who purchase or construct their first property and take out an Eligible ANZ Home Loan of $250,000 or more. To be eligible to receive the bonus First Home Buyers must hold an ANZ Access Advantage, ANZ Plus or ANZ One offset account at loan drawdown. Drawdown on the Eligible ANZ Home Loan(s) must take place within 180 days from applying. See the full Terms and Conditions (PDF) for this offer. Fees, charges and eligibility criteria apply.
Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.
ANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.
Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including any applicable interest rate discounts. These rates are for secured loans only.
WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
For interest only variable loans, the comparison rates are based on an initial 5 year interest only term. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.
The interest rate shown includes an interest rate discount from the index rate. For ANZ Standard Variable, this discount is for loans with a Loan to Value Ratio (LVR) of greater than 80% and for loans with a LVR 80% or less. For ANZ Fixed, this discount is for loans with a LVR greater than 80% and for loans with a LVR 80% or less.
Interest rates shown on this page are current as at and are subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF), ANZ Personal Banking General Fees and Charges (PDF) and your letter of offer.
Terms and Conditions and eligibility criteria apply to ANZ Redraw. ANZ Redraw is not available on loans in a company name. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF).
The rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.
The rate shown is the Simplicity PLUS Residential Investment Property Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.
Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.
The fixed rate is set on the day the loan is drawn down. If you want to lock in a rate prior to drawdown, you can ask ANZ about options for locking in a fixed rate before settlement on eligible loans. A fee of $750 per $1 million of lending (or part thereof) applies. Available for fixed rate loans with terms of 1-5 years. Terms and Conditions available on application.
For ANZ Fixed Rate loans, you can make early or additional repayments up to a set available tolerance amount (the lesser of 5% of the loan amount at the start of the current fixed rate period or $5,000) each year of the fixed rate period, without triggering an Early Repayment Cost. An Early Repayment Cost may be incurred if, during the fixed rate period, the available tolerance amount is exceeded, the loan is fully repaid or refinanced, or ANZ agrees to change the interest rate at your request. Please be aware that Early Repayment Costs can be very large. Terms and Conditions apply please refer to the ANZ Consumer Lending Terms and Conditions (PDF) and ANZ Fixed Rate Loans - What happens if you repay some or all of it early? (PDF). Alternatively please visit any ANZ branch or phone the Home Loan Hotline on 1800 100 641, 8:00am to 8:00pm (AEST), Monday to Friday.
Rates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan.
