ANZ Fixed Rate Home Loans

Our lowest fixed rate since last century

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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 any increase in interest rates.

Interest and comparison rates
Fixed term Interest rate Comparison rate1
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Loan term
1 to 5, 7 and 10 year fixed rate terms available. Maximum overall term is 30 years
Minimum amount
$20,000
Maximum amount
up to 90% for new customers and up to 95% for eligible3 existing ANZ customers, 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

 

Make additional repayments or repay your home loan early6

You can repay your loan early or make additional repayments. However Early Repayment Costs may apply for early or additional repayments above the tolerance amount6.

100% home loan offset4
Yes - (one year fixed rate only) this home loan offset account makes the most of your available funds to reduce interest costs, and shorten the term of your loan. Find out more about ANZ One.
Redraw facility7

Yes, once loan reverts to variable rate - redraw allows you to access extra payments you have made to your loan.

Ability to split loan
Lock rate
Yes - Fixed rates are set at drawdown (not application) unless you take advantage of lock rate. Lock rate is available on the 1-5 year fixed rate loans of up to $1,000,000. This means you keep the advertised interest rate at the time of your application for a maximum of 90 days. Fees apply for this feature. Please contact us for more information.
Draw down loan progressively

Yes - up to four months. Fees and charges may apply.

Interest only payments
Yes - up to 10 years. Minimise your repayments during the interest only period and free up cash by paying interest only.
Reduced fees on a personal transaction account5
The $5 monthly account service fee will be waived on your linked ANZ Access Advantage account.

 

Loan approval fee (LAF)2
$600
Loan administration charge
$10 per month (applies during fixed interest rate period)
Redraw fee7
Nil
Early repayment cost6

May be payable if you choose to make additional repayments, repay your fixed loan (in part or full) or switch to another fixed or variable interest rate before the end of your fixed rate period. The definition and method of calculation is set out in the 'Consumer Lending terms and conditions booklet' under the heading 'Repaying Your Loan Early During a Fixed Interest Rate Period'.

Lock rate fee

$750 payable at application. Maximum loan amount of $1,000,000 applies. Lock rate allows the interest rate to be held at the time of application for a maximum period of 90 days.

Converting or renegotiating

Renegotiation fee

$200 - If no change to the loan term, amount or security and no change to interest only repayments.

$350 - If changing loan term, amount, security, changing repayments to interest only or renewing your existing fixed rate loan term.

How to apply

phone
Call us on 1800 100 641, 8:00am to 9:30pm (AEST), Monday to Friday, 8:00am to 4:30pm (AEST) Saturdays and Sundays

Send us an enquiry

phone
Call us on 1800 100 641

*Fixed Rates are subject to change until your loan settles and by payment of a Lock Rate Fee. Early Repayment Costs are not included but may influence the cost of the loan if you make early or additional repayments. A Comparison Rate schedule is available at any branch. Fixed rate home loans aren’t for everyone. Early Repayment Costs may apply if you make changes to your loan or additional payments above the allowed amount. This cost can be very large and you should ask us for an estimate before making changes during the fixed rate period. ANZ Breakfree Package fee applies. Other fees, charges and eligibility criteria apply. Please see the ANZ Breakfree Terms and Conditions available on anz.com/breakfree or at any branch. 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 and includes the ANZ Breakfree Package fee and standard discounts and fee waivers under ANZ Breakfree. Different amounts and terms will result in different Comparison Rates. The calculation of this Comparison Rate includes the ANZ Breakfree Package Fee and certain discounts and fee waivers which are ANZ Breakfree Benefits, such as the Loan Approval Fee waiver. Early Repayment Costs are not included in the Comparison Rate but may influence the cost of the loan if you make early or additional repayments. A Comparison Rate schedule is available at any ANZ branch.

1. 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 Comparison Rate schedule is available at any ANZ branch.

A copy of the comparison rate schedule is available at any ANZ branch or view it online ANZ Comparison Rate Schedule (PDF 64kB).

The rates applicable for interest paid annually, monthly, quarterly or semi-annually in advance are available on application at any ANZ branch. Terms and conditions available on application. Fees and charges apply.

2. The Loan Approval Fee (LAF) is waived under the ANZ Breakfree Package

3. Subject to credit approval criteria. Eligible existing ANZ customers must have had a retail lending product for greater than 6 months with a satisfactory credit history.

4. Available with an ANZ One bank account. Fees and charges may vary for loans in a company name.

5. You can apply for us to waive the monthly account service fee on one nominated ANZ Access Advantage account if you have your salary paid into your account. Terms and Conditions apply for more information please refer to ANZ Personal Banking General Fees and Charges (PDF 116kB).

6. 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 296kB). Alternatively please visit any ANZ branch or phone the Home Loan Hotline on 1800 100 641, 8:00am to 9:30pm (AEST), Monday to Friday, 8:00am to 4:30pm (AEST) Saturdays and Sundays.

7. Terms and Conditions and eligibility criteria apply to redraw. Redraw is not available on loans in a company name. Minimum redraw amount is $2,000. For ANZ Fixed Rate loans, redraw is available once the Fixed Rate period ends. For further information on redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF 296kB).

Terms and conditions, fees and charges and eligibility apply. All applications for credit are subject to ANZ’s normal credit approval criteria.

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