ANZ

Interest Rates on ANZ Personal products current as at Monday, 20 May 2013.
Current Business interest rates and Corporate interest rates are also available.

We've changed when we review our variable home loan interest rates.

Find out more about how ANZ's interest rates are set

Click to expand or contractHousing loans - Interest rates and reference rates

Find out more about Home loans.

Click to expand or contractANZ Standard Variable Rate (Home Loan Index)

	Interest Rate	Comparison Rate
Variable Rate	6.13% p.a.	6.23% p.a.

ANZ Breakfree Loan Package is available with this loan.

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

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.

View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch.

Click to expand or contractANZ Fixed Rate (Home Loan Rates)

Term	Interest Rate	Comparison Rate
1 year	5.34% p.a.	6.11% p.a.
2 years	5.44% p.a.	6.06% p.a.
3 years	5.14% p.a.	5.93% p.a.
4 years	5.79% p.a.	6.09% p.a.
5 years	5.99% p.a.	6.16% p.a.
7 years	7.69% p.a.	7.14% p.a.
10 years	7.69% p.a.	7.40% p.a.

ANZ Breakfree Loan Package is available with this loan.

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

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

View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch.

Click to expand or contractANZ Simplicity PLUS

	Interest Rate	Comparison Rate	Discount Rate
Variable Rate	5.43% p.a.	5.48% p.a.	Not applicable

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

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

View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch.

Click to expand or contractANZ Breakfree Home Loan Package

Amount	Variable Rate Discount	Fixed Rate Discount
Total ANZ Mortgage Lending $150,000-$249,999	0.50% p.a.	0.15% p.a.
Total ANZ Mortgage Lending $250,000-$699,999	0.60% p.a.	0.15% p.a.
Total ANZ Mortgage Lending $700,000+	0.70% p.a.	0.15% p.a.

Special rate offers are available for a limited time on new or additional lending. Refer to ANZ Breakfree Package.

This home loan package is available on:
- Standard Variable Rate Residential and Investment Loans and ANZ Equity Manager facilities
- ANZ Fixed Rate Home and Residential Investment Loans.

Click to expand or contractANZ Easy Start

	Interest Rate	Comparison Rate
Discount Variable Rate for one year	4.81% p.a.	5.79% p.a.

Reverts to Standard Variable interest rate less an ongoing discount margin determined by amount of credit approved at the time of loan application.

This product is no longer available for sale.

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

View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch.

Click to expand or contractANZ Land Loan

	Interest Rate	Comparison Rate
Variable Rate	6.13% p.a.	6.23% p.a.

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

View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch.

Click to expand or contractANZ Money Saver

	Interest Rate	Comparison Rate
Variable Rate	5.73% p.a.	5.89% p.a.

This product is no longer available for sale.

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

View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch.

Click to expand or contractANZ Supplementary Loan

	Interest Rate	Comparison Rate
Variable Rate	6.13% p.a.	7.50% p.a.

ANZ Breakfree Loan Package is available with this loan.

Comparison Rate calculated on a loan amount $30,000 over a term of 5 years based on monthly repayments. These rates are applicable for secured loans only.

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

View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch.

Click to expand or contractANZ Home Improvement Loan

	Interest Rate	Comparison Rate
Variable Rate	6.13% p.a.	7.50% p.a.

Comparison Rate calculated on a loan amount $30,000 over a term of 5 years based on monthly repayments. These rates are applicable for secured loans only.

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

View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch.

Click to expand or contractEquity Loans - Interest rates and reference rates

Find out more about Equity loans.

Click to expand or contractANZ Equity Manager

	Interest Rate
Variable Rate	6.28% p.a.

ANZ Breakfree Loan Package is available with this loan.

Click to expand or contractANZ Breakfree Home Loan Package

Amount	Variable Rate Discount	Fixed Rate Discount
Total ANZ Mortgage Lending $150,000-$249,999	0.50% p.a.	0.15% p.a.
Total ANZ Mortgage Lending $250,000-$699,999	0.60% p.a.	0.15% p.a.
Total ANZ Mortgage Lending $700,000+	0.70% p.a.	0.15% p.a.

Click to expand or contractANZ Home Equity Loan

	Interest Rate
Variable Rate	6.63% p.a.

This product is no longer available for sale.

Click to expand or contractANZ Equity Release

	Interest Rate	Comparison Rate
Variable Rate	10.15% p.a.	10.20% p.a.
4 Year Fixed Rate	10.25% p.a.	10.21% p.a.

Comparison rate is for a loan of $150,000 over 25 years.
Please note: 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.

This product is no longer available for sale.

Click to expand or contractResidential investment loans - Interest rates and reference rates

Find out more about Residential investment loans.

Click to expand or contractANZ Standard Variable Rate (RIPL Index)

	Interest Rate	Comparison Rate
Variable Rate	6.13% p.a.	6.23% p.a.

Click to expand or contractANZ Fixed Rate (RIPL Index)

Term	Interest Rate	Comparison Rate
1 year	5.34% p.a.	6.11% p.a.
2 years	5.44% p.a.	6.06% p.a.
3 years	5.14% p.a.	5.93% p.a.
4 years	5.79% p.a.	6.09% p.a.
5 years	5.99% p.a.	6.16% p.a.
7 years	7.69% p.a.	7.14% p.a.
10 years	7.69% p.a.	7.40% p.a.

Click to expand or contractANZ Simplicity PLUS

	Interest Rate	Comparison Rate	Discount Rate
Variable Rate	5.43% p.a.	5.48% p.a.	Not applicable

Click to expand or contractANZ Breakfree Home Loan Package

Amount	Variable Rate Discount	Fixed Rate Discount
Total ANZ Mortgage Lending $150,000-$249,999	0.50% p.a.	0.15% p.a.
Total ANZ Mortgage Lending $250,000-$699,999	0.60% p.a.	0.15% p.a.
Total ANZ Mortgage Lending $700,000+	0.70% p.a.	0.15% p.a.

Click to expand or contractANZ Easy Start

	Interest Rate	Comparison Rate
Discount Variable Rate for 1 year	4.81% p.a.	5.79% p.a.

Click to expand or contractANZ Land Loan

	Interest Rate	Comparison Rate
Variable Rate	6.13% p.a.	6.23% p.a.

Click to expand or contractANZ Money Saver

	Interest Rate	Comparison Rate
Variable Rate	5.73% p.a.	5.89% p.a.

Click to expand or contractANZ Supplementary Loan

	Interest Rate	Comparison Rate
Variable Rate	6.13% p.a.	7.50% p.a.

Click to expand or contractANZ Interest in Advance Loan - Yearly

Term	Interest Rate
1 year	4.99% p.a.
2 years	5.09% p.a.
3 years	4.79% p.a.
4 years	5.44% p.a.
5 years	5.64% p.a.
7 years	7.34% p.a.
10 years	7.34% p.a.

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.

ANZ Breakfree Loan Package is available with this loan.

Click to expand or contractPersonal loans and overdrafts

Find out more about Personal loans.

Click to expand or contractANZ Variable Rate

	Interest Rate	Comparison Rate
Variable Rate from	14.09% p.a.	17.21% p.a.

Comparison rate is based on a $10,000 Personal Loan for a 3 year term. This rate is applicable for unsecured loans only.

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

View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch.

Click to expand or contractANZ Fixed Rate

	Interest Rate	Comparison Rate
Fixed Rate from	13.95% p.a.	17.07% p.a.

Click to expand or contractPersonal Overdraft

	Interest Rate
	13.51% p.a. (Retail Index + 4%)

Click to expand or contractANZ Assured

	Interest Rate
	17.66% p.a. (Retail Index + 8.15%)

Click to expand or contractANZ Graduate Loan

	Interest Rate	Comparison Rate
Variable Rate	14.09% p.a.	17.21% p.a.

Comparison Rate is calculated on a $10,000 Graduate Loan for a 3 year term. This rate is applicable for unsecured loans only.

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

View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch.

Click to expand or contractANZ Reference Rates

	Interest Rate
Personal Lending Index Rate	11.64% p.a.
Balance Transfer Lending Index Rate	15.17% p.a.

Click to expand or contractANZ Retail Index

	Interest Rate
	9.51% p.a.

Click to expand or contractCar loans

Find out more about Car loans.

Click to expand or contractANZ Secured Car Loan

	Interest Rate	Comparison Rate
Fixed rate from	8.67% p.a.	9.52% p.a.

This is only an indication of the interest rate available. The actual rate is dependant on ANZ's credit assessment of your application. In order to determine the actual interest rate, you will need to contact ANZ and let us know your loan requirements.

This comparison rate is based on a $30,000 Secured Car Loan over a term of 5 years on monthly repayments.

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 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.

Click to expand or contractDeposit accounts

Find out more about Deposit accounts.

Click to expand or contractANZ Access Advantage

Amount	Interest Rate
$1 - $49,999	0.00% p.a.
$50,000 - $99,999	0.01% p.a.
$100,000 plus	0.02% p.a.

Click to expand or contractANZ Extras Package Account
Interest is not paid on the ANZ Extras package account.

Click to expand or contractANZ Passbook Saving Account

Amount	Interest Rate
$1 - $49,999	0.00% p.a.
$50,000 - $99,999	0.01% p.a.
$100,000 plus	0.02% p.a.

Click to expand or contractANZ Progress Saver

Amount	Base Rate	Bonus Rate	Total
$1 - $499	0.01% p.a.	4.40% p.a.	4.41% p.a.
$500 - $2,999	0.01% p.a.	4.40% p.a.	4.41% p.a.
$3,000-$4,999	0.01% p.a.	4.40% p.a.	4.41% p.a.
$5,000-$9,999	0.01% p.a.	4.40% p.a.	4.41% p.a.
$10,000-$19,999	0.01% p.a.	4.40% p.a.	4.41% p.a.
$20,000-$49,999	0.01% p.a.	4.40% p.a.	4.41% p.a.
$50,000-$99,999	0.01% p.a.	4.40% p.a.	4.41% p.a.
$100,000 plus	0.01% p.a.	4.40% p.a.	4.41% p.a.

The ANZ Progress Saver account pays bonus interest in addition to the current base interest when you make a single deposit of $10 or more per month and make no withdrawals or debits in that same month. Month commences on account opening date.

Package Bonus Rate Customers

Package Bonus Rates for ANZ Progress Saver accounts are not available for new applications.

For existing ANZ Progress Saver accounts currently receiving a Package Bonus Rate under an existing ANZ Breakfree package, ANZ Everday Banking Package or ANZ Staff Package, the Package Bonus Rate will continue to apply to that account while it remains eligible for the Package Bonus Rate. The package bonus rate is an additional 0.35% p.a. on the Bonus Rate.

Click to expand or contractANZ Progress Saver ANZ@Work program bonus rate

Amount	Base Rate	Bonus Rate	Total
$1 - $499	0.01% p.a.	4.75% p.a.	4.76% p.a.
$500 - $2,999	0.01% p.a.	4.75% p.a.	4.76% p.a.
$3,000-$4,999	0.01% p.a.	4.75% p.a.	4.76% p.a.
$5,000-$9,999	0.01% p.a.	4.75% p.a.	4.76% p.a.
$10,000-$19,999	0.01% p.a.	4.75% p.a.	4.76% p.a.
$20,000-$49,999	0.01% p.a.	4.75% p.a.	4.76% p.a.
$50,000-$99,999	0.01% p.a.	4.75% p.a.	4.76% p.a.
$100,000 plus	0.01% p.a.	4.75% p.a.	4.76% p.a.

Click to expand or contractANZ First Home Saver Account

	Base Rate	Bonus Rate	Total
	3.75% p.a.	0.00% p.a.	3.75% p.a.

Rates apply to existing accounts only.

Click to expand or contractANZ E*TRADE Cash Investment Account

Amount	Interest Rate
$0	0.00% p.a.
$1-$9,999	0.10% p.a.
$10,000 - $19,999	0.10% p.a.
$20,000 - $49,999	0.10% p.a.
$50,000 - $99,999	1.50% p.a.
$100,000 - $249,999	2.75% p.a.
$250,000 - $499,999	3.50% p.a.
$500,000 - $999,999	3.50% p.a.
$1,000,000 - $2,999,999	4.00% p.a.
$3,000,000 - $4,999,999	4.00% p.a.
$5,000,000 plus	4.00% p.a.

Click to expand or contractANZ Online Saver

	Interest Rate
	2.75% p.a.

Click to expand or contractANZ V2 PLUS

	Interest Rate
ANZ V2 PLUS retail	1.70% p.a.
ANZ V2 PLUS wholesale	2.75% p.a.

Interest rates apply to balances $5,000 plus.

ANZ V2 PLUS retail is no longer available to new business.

Wholesale rate only applies to ANZ Intermediary clients.

Click to expand or contractANZ Premium Cash Management Account

Amount	Interest Rate
$1-$9,999	0.00% p.a.
$10,000 - $24,999	1.50% p.a.
$25,000 - $49,999	1.75% p.a.
$50,000 - $99,999	1.75% p.a.
$100,000 - $249,999	2.25% p.a.
$250,000 - $499,999	2.25% p.a.
$500,000 - $4,999,999	2.75% p.a.
$5,000,000 plus	2.75% p.a.

Click to expand or contractANZ Prime Cash Management Account

	Interest Rate
Variable Rate	3.00% p.a.

Please note the ANZ Prime CMA can only be opened through your participating investment manager.

Click to expand or contractANZ Cash Management Account

Amount	Interest Rate
$1 - $1,999	0.00% p.a.
$2,000 - $19,999	0.10% p.a.
$20,000 - $49,999	0.10% p.a.
$50,000 - $99,999	0.10% p.a.
$100,000 - $249,999	0.10% p.a.
$250,000 plus	0.20% p.a.

This product is no longer available to new business.

Click to expand or contractANZ Term Deposit

Term	Interest at Maturity	Monthly Interest	Quarterly Interest	Half Yearly Interest	Annual Interest
Less than 1 month	0.75% p.a.
1 month	2.75% p.a.
2 months	2.75% p.a.	2.75% p.a.
3 months	2.75% p.a.	2.74% p.a.	2.75% p.a.
4 months*	4.00% p.a.	3.98% p.a.	3.99% p.a.
5 months	2.75% p.a.	2.73% p.a.	2.74% p.a.
6 months*	4.00% p.a.	3.97% p.a.	3.98% p.a.	4.00% p.a.
7-8 months	2.75% p.a.	2.72% p.a.	2.74% p.a.	2.75% p.a.
9-11 months	2.75% p.a.	2.72% p.a.	2.74% p.a.	2.75% p.a.
12-17 months*		3.93% p.a.	3.94% p.a.	3.96% p.a.	4.00% p.a.
18-23 months*		3.93% p.a.	3.94% p.a.	3.96% p.a.	4.00% p.a.
24-29 months*		4.07% p.a.	4.09% p.a.	4.11% p.a.	4.15% p.a.
30-35 months*		4.07% p.a.	4.09% p.a.	4.11% p.a.	4.15% p.a.
36-41 months*		4.22% p.a.	4.23% p.a.	4.25% p.a.	4.30% p.a.
42-47 months*		4.22% p.a.	4.23% p.a.	4.25% p.a.	4.30% p.a.
48-59 months*		4.31% p.a.	4.33% p.a.	4.35% p.a.	4.40% p.a.
60-120 months*		4.41% p.a.	4.43% p.a.	4.45% p.a.	4.50% p.a.

* Special term rates do not qualify for additional bonus interest rates and are not available in conjunction with any other bonus or special interest rate offer.

The interest rates shown are for Term Deposit amounts of $5,000 to less than $100,000. To obtain these rates for investments of $100,000 or more, please call 1800 008 177 between 8am and 8pm Monday to Friday.

At the end of the term, if you have not told us what you want us to do with your funds, we will reinvest them in the same type of ANZ Term Deposit. The interest rate applicable to your new ANZ Term Deposit may be lower or higher than the interest rate on your maturing Term Deposit. You can contact us on maturity of your ANZ Term Deposit to confirm interest rates that will apply upon reinvestment. ANZ recommends you read the Terms and Conditions and the Financial Services Guide before acquiring the product.

Click to expand or contractANZ Access Deeming Account

Amount	Interest Rate
$0 - $1,999	0.75% p.a.
$2,000 - $38,399	2.50% p.a.
$38,400 and above	4.00% p.a.

Interest rates are banded.

Click to expand or contractANZ Passbook Deeming Savings Account

Amount	Interest Rate
$0 - $1,999	0.75% p.a.
$2,000 - $38,399	2.50% p.a.
$38,400 and above	4.00% p.a.

Interest rates are banded, and this product is no longer available to new business.

Click to expand or contractCredit cards

Find out more about Credit cards.

Click to expand or contractANZ Low Rate

	Purchases	Cash Advances
	13.14% p.a.	21.49% p.a.

Click to expand or contractANZ Low Rate Platinum

	Purchases	Cash Advances
	13.14% p.a.	21.49% p.a.

Click to expand or contractANZ Balance Visa

	Purchases	Cash Advances
	14.39% p.a.	21.74% p.a.

Click to expand or contractANZ First

	Purchases	Cash Advances
	19.39% p.a.	20.99% p.a.

Click to expand or contractANZ Platinum

	Purchases	Cash Advances
	19.39% p.a.	20.99% p.a.

Click to expand or contractANZ Frequent Flyer

	Purchases	Cash Advances
	19.39% p.a.	20.99% p.a.

Click to expand or contractANZ Frequent Flyer Gold

	Purchases	Cash Advances
	19.39% p.a.	20.99% p.a.

Click to expand or contractANZ Frequent Flyer Platinum

	Purchases	Cash Advances
	19.39% p.a.	20.99% p.a.

Click to expand or contractANZ Rewards

	Purchases	Cash Advances
	19.39% p.a.	20.99% p.a.

Click to expand or contractANZ Rewards Platinum

	Purchases	Cash Advances
	19.39% p.a.	20.99% p.a.

Click to expand or contractANZ Bankcard

	Purchases	Cash Advances
	17.89% p.a.	17.89% p.a.

Click to expand or contractANZ Low Interest MasterCard

	Purchases	Cash Advances
	15.64% p.a.	15.64% p.a.

Click to expand or contractANZ First - Low Interest

	Purchases	Cash Advances
	14.14% p.a.	14.14% p.a.

Click to expand or contractANZ Free Days MasterCard

	Purchases	Cash Advances
	19.14% p.a.	20.99% p.a.

Click to expand or contractANZ Visa PAYCARD

	Purchases	Cash Advances
	17.64% p.a.	17.64% p.a.

Click to expand or contractANZ Rewards Visa PAYCARD

	Purchases	Cash Advances
	18.50% p.a.	18.50% p.a.

Click to expand or contractANZ Credit Card Index Rate

	Interest Rate
	19.39% p.a.

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

Click to expand or contractInvestment lending

Find out more about Investment lending.

Click to expand or contractANZ Share Investment Loan & ANZ E*TRADE Share Investment Loan Fixed Rate

Amount	Interest Rate
$20,000 - $249,999	7.65% p.a.
$250,000-$499,999	7.50% p.a.
$500,000+	7.35% p.a.

Interest rates are subject to change without notice.

Interest rates shown are for a term of 6-12 months, other fixed terms up to 5 years are available.

If you opt to pay in arrears, interest will be charged at 0.25% p.a higher than if you prepay interest.

Click to expand or contractANZ Share Investment Loan & ANZ E*TRADE Share Investment Loan Variable Rate

	Interest Rate
Variable Rate	8.09% p.a.

This information forms part of the Product Disclosure Statement "ANZ Share Investment Loan Product Disclosure Statement, 5 March 2012".

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

Didn't find what you were looking for? Check out our Business interest rates or Corporate interest rates.

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ANZ

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The Personal category contains the following sections:

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Interest Rates