ANZ Fixed

Our lowest 1-5 yr fixed rates on ANZ Fixed Home Loans for home buyers this century.

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An ANZ Fixed Home Loan or ANZ Fixed Residential Investment Loan offers you the certainty of knowing what your repayments are for the fixed period, and safeguards you against any increase in interest rates.1

ANZ Fixed Home and Residential Investments loans are available under an ANZ Breakfree Package.2

Award 2015

Loan term
1 to 5, 7 and 10 year fixed rate terms available. Maximum overall term is 30 years. Note: 7 and 10 year fixed rate terms are unavailable for a home to live in with interest only repayments.
Minimum initial loan amount
Maximum loan amount for home loans
Generally up to 90% for new customers and up to 95% for eligible4 existing ANZ customers, of the valuation of the security property. Lenders Mortgage Insurance may apply3.
Maximum loan amount for residential investment loans
Generally up to 90% for new and existing ANZ customers, of the valuation of the security property. Lenders Mortgage Insurance may apply3.
Lenders Mortgage Insurance (LMI)3
Usually 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 make additional repayments up to a set tolerance amount without incurring a fee. However Early Repayment Costs (which can be very large) may apply for early or additional repayments above the tolerance amount6.

100% home loan offset5
One year fixed rate only - this home loan offset account makes the most of your available funds to reduce interest costs, and could shorten the term of your loan. Find out more about ANZ One.
Redraw facility7
Any additional repayments made to the loan during the fixed rate period may be accessed once the loan reverts to a variable rate. (subject to eligibility, terms and conditions, and exclusions). Find out more
Ability to split loan
Find out more about splitting loans. Fees and charges apply.
Lock rate
Fixed rates are set at drawdown (not application) unless you pay a Lock Rate Fee. Lock Rate is available on loans of up to $1,000,000 which are fixed for 1 to 5 years. This means you keep the advertised interest rate at the time of your application for a maximum of 90 days. Please contact us for more information.
Draw down loan progressively for construction purposes
Fixed Rate Loan must be fully drawn within four months. Fees and charges may apply.
Interest only repayments8

Available for up to 5 years. 

Also available for 7 and 10 years for a residential investment loan.

Loan approval fee (LAF)
Loan administration charge
$10 per month - applies during fixed interest rate period
Redraw fee7
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

Call us on 1800 100 641, 8:00am to 8:00pm (AEST), Monday to Friday, 8:00am to 6:00pm (AEST) Saturdays and Sundays

Send us an enquiry

Call us on 1800 100 641

*Over the past 16 years, ANZ has been awarded ‘Home Lender of the Year’ by Australian Lending Awards in 2015, ‘Home Lender of the Year’ by Money magazine in 2014, 2012, 2010 and 2008-2005, and Personal Investor magazine in 2005, 2004 and 2002-1999.

1. Fixed Rate Home Loans aren’t for everyone and the rate may change at any time prior to the loan being settled. You can ask ANZ about options for locking in a fixed rate before settlement – Terms, Conditions and a $750 Lock Rate Fee apply.

2. ANZ Breakfree Terms and Conditions apply, including a $395 package fee and eligibility criteria. Visit ANZ Breakfree Package or ask ANZ for more details.

3. LMI is paid by the borrower and protects ANZ in the event that the borrower defaults and a shortfall arises, following the sale of the security property.  ANZ usually requires LMI where LVR is above 80% (depending on the type of property).

4. Subject to credit approval criteria.Different maximum loan amounts may apply to specific property types and locations.Eligible existing ANZ customers must have had a retail lending product for greater than 6 months with a satisfactory credit history.

5. Available with an ANZ One bank account. Terms and Conditions, fees and charges may apply. Fees and charges may vary for loans in a company name.

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 8:00pm (AEST), Monday to Friday, 8:00am to 6:00pm (AEST) Saturdays and Sundays.

7. Terms and Conditions and eligibility criteria apply to redraw. Redraw is not available on loans in a company name, for additional payments made during any fixed interest period that commenced before 8 July 2013, for additional payments made prior to the commencement of any fixed rate period, or for payments made during any constructions/progressively drawn down period. 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).

8. Interest Only loans are not are not for everyone and you should consider if this is the right strategy for you.

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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