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Home loans

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 loandisclaimer

 

$2,000 cashback when you switch an eligible loan of $250k+ and 80% or less LVR to ANZdisclaimer

 

$0 ANZ set up or ongoing feesdisclaimer

 

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Get in touch another way

The information on this page does not apply to ANZ Plus products

Our offers

featured rate

Basic variable rate

feature-rates

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Interest ratedisclaimer

Comparison ratedisclaimer

Interest rate with special offer discountdisclaimer when borrowing 60% or less of the property valuedisclaimeron owner occupied home loan with principal and interest repayments.

Get a competitive interest rate and basic features (no offset).

Find out more

cashback offer

$2,000 cashback when you refinance an eligible home loan

Get $2,000 cashback 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

Learn more 

cashback offer

$3,000 bonus for first home buyers

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

Tell me more 

Start your home loan journey in under 5 minutes

Ready to get started? Take the next step towards your home buying journey by providing details about:

  • You
  • Your financial situation
  • The loan you're applying for

One of our home loan specialists will get in touch to progress with your application.

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Call back time is 1-3 business days.

Apply online


Not ready to apply but want to speak with a home loan specialist? Get in touch another way

Choose a home loan that works for you

With our simpler home loans you only pay for the extras you want and won't pay any ongoing feesdisclaimer on your home loan. Choose the fixed or variable home loan that suits you.

Basic variable

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Principal & interest

Comparison ratedisclaimer

Interest rate with special offer discountdisclaimerwhen borrowing 60% or less of the property value.disclaimer

Get a competitive interest rate and basic features (no offset).

ANZ Simplicity Plus

Fees and features

   

Standard variable with optional offsetdisclaimer

disclaimer

Principal & interest

Comparison ratedisclaimer

Discounted standard variable rate when borrowing 80% or less of the property value.disclaimer

Can I go lower?

Talk to us to find out if a further discount could apply to your standard variable rate, depending on your situation.
 

ANZ Standard Variable

Fees and features

   

Fixed rate

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Principal & interest

Comparison ratedisclaimer

Discounted 2 year fixed rate when borrowing 80% or less of the property value.disclaimer

Choose from 1, 2, 3, 4, 5, 7 and 10 year fixed rate terms.
 

ANZ Fixed Rate

Fees and features

  

Connect with our home loan specialists or apply

Need to speak to a specialist?

Provide us with your details and one of our home loan specialists will get in touch. They can discuss issues including:

  • Applying for a home loan
  • Managing your existing loan
  • Refinancing your home loan
  • Interest rate enquiry

As well as any other home loan queries you may have.

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Call back time is 1-3 business days.

Request a call back

 

Quick start application

Begin your home loan application journey by providing details about:

  • You
  • Your financial situation
  • The loan you're applying for

One of our home loan specialists will then be in touch to progress with your application.

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Call back time is 1-3 business days.

Apply online

 

Are you an ANZ business customer?

Learn more about our home loans for business owners, or speak to our specialists who understand self-employed income.

Request a call back

 

Call us

Monday - Friday 8am to 8pm (Sydney/Melbourne time)

1800 100 641  

 

Other ways to get in touch

Meet with a mobile lenderdisclaimer

Book a branch appointment

Book a First Home Buyer Coach

You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.

Frequently asked questions

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

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 conditionsProduct 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.

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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. See the full Terms and Conditions (PDF) for this offer. Fees, charges, eligibility criteria apply.

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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.

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The rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount for loans with a Loan to Value Ratio of 60% or less. 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.

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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.

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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.

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Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.

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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.

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A $10 servicing fee applies per month per ANZ One offset account. Please refer to ANZ Personal Banking Account Fees and Charges (PDF) for fees and charges that apply.

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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. 

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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.

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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.

Fixed home loans aren’t for everyone and early repayment costs may apply if you repay your loan or switch to another one before the end of your fixed term or make early or additional repayments. Once the fixed rate period ends, the loan reverts to a variable rate loan and repayment amounts will change. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period. 

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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. 

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Rates shown apply during the interest only period of your loan. Choose from 1-5 year interest only terms for owner occupied on an ANZ Standard Variable (Land Loan up to three years) and ANZ Fixed (Land Loan up to three years) and choose from 1-5, 7 and 10 year interest only terms for residential investments on an ANZ Standard Variable (Land Loan up to one year), ANZ Fixed (Land Loan up to one year) and ANZ Simplicity PLUS. If you choose to make interest only payments on ANZ Fixed, your fixed period and interest only period will be the same. After the interest only period, your rate will switch to the applicable variable rate for a principal and interest loan. At the end of the interest only period, minimum repayment amounts may increase to cover principal and interest. Interest only loans are not for everyone and you should consider if this is the right strategy for you.

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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.

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