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Fixed rate - Home loans

Fixed rate

The ANZ Fixed Rate Home Loan offers you the certainty of knowing what your repayments are for the fixed period, and safeguards you against increasing interest rates.

Please note: Fixed rates are set at drawdown (not application) unless customers take advantage of the lock rate facility. 

This loan is also available in the name of a company or business entity. The property must be for the personal benefit of the directors of the company or beneficiaries of the trust. Taking a loan in a company name can provide a tax benefit, however please see your financial advisor before making a decision.

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Interest and comparison rates
Fixed term Interest rate Comparison rate™ *
1 year 6.50% p.a. 6.39% p.a.
2 years 7.34% p.a. 6.58% p.a.
3 years 7.69% p.a. 6.79% p.a.
4 years 7.94% p.a. 7.00% p.a.
5 years 8.04% p.a. 7.18% p.a.
7 years 8.19% p.a. 7.52% p.a.
10 years 8.94% p.a. 8.41% p.a.
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
90% 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
Repay loan early

Yes - you have the freedom to repay your loan in full at any time. 

Make additional repayments
Yes - additional repayments can be made up to a set tolerance amount**. Early repayment costs may apply for additional repayments above the tolerance amount.
100% mortgage offset^^

Yes - (one year fixed rate only) this mortgage offset account makes the most of your available funds to reduce interest costs, and shorten the term of your loan:

Redraw facility^^
Yes - redraw allows you to access any additional loan payments you have made
Ability to split loan
Lock rate
Yes - 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.

Interest only payments
Yes - up to 10 years. Minimise your repayments and free up cash by paying interest only
Reduced fees on a personal transaction account^ ^^
Yes - you will not pay account servicing fees or additional withdrawal fees on your linked ANZ Access Advantage account
ANZ Assured^^
$1,000 ANZ Assured facility on an ANZ One cheque or savings account linked to the loan (subject to ANZ approval)
Loan approval fee (LAF)
$600
Loan administration charge
$10 per month (applies during fixed interest rate period)
Redraw fee
$25 redraw fee, $2,000 minimum redraw (additional conditions apply)
Early repayment administration fee
$300 if you fully prepay your loan during the fixed rate period. Only applies to loan agreements made on or after 1 November 1996.
Early repayment cost

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'.

Locked rate fee
$750.00 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.

Ways to apply for a home loan

Telephone iconCall us direct on 1800 100 641

* 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 copy of the comparison rate schedule is available at any ANZ branch or view it online ANZ Comparison Rate Schedule (PDF 72kB).

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.

** For more information regarding the tolerance please visit any ANZ branch or phone the Home Loan Hotline on 1800 100 641 8am - 11pm EST seven days a week.

^ Non-ANZ ATM Fees apply, salary must be deposited to the account to obtain the waiver.

^^ These benefits do not apply to loans in a company name. Fees and charges may vary for loans in a company name. Contact us for more information.

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