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Compare our home loans - Home loans
Compare our home loans
Make your home loan one of ANZ’s award winning* 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.
Looking for a home loan package?
Try ANZ Breakfree, ANZ's award-winning 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 | 5.61% p.a. | 6.31% p.a. | 1yr 6.50% p.a. 10yrs 8.94% p.a. |
6.46% p.a. |
| Comparison rate™ ** (% p.a.) |
5.66% p.a. | 6.41% p.a. | 1yr 6.39% p.a. 10yrs 8.41% p.a. |
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 |
| Apply |
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Other home loans
Supplementary loan
A flexible loan that lets you access the equity in your home or investment property
Land Loan
Lets you buy land to build a home on, as long as you build the house within one to three years.
Lo Doc
Designed for the self-employed - combined variable and fixed rate loans with a flexible application process.
ANZ One
Link ANZ One to your ANZ home or investment loan and the account balance will be offset against your loan.
We can help select the right home loan for you
* Many of ANZ's Home Loans were awarded CANNEX mortgage star ratings in 2008. Ask us for details
** 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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© Australia and New Zealand Banking Group Limited (ANZ) 2009 ABN 11 005 357 522. ANZ's colour blue is a trade mark of ANZ.