ANZ home loan rates
AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED · ACL 234527 · Bank
Rates as at 2026-10-20. 131 rates across 3 products.
Variable rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| ANZ Simplicity PLUS | 6.64% | 6.64% | Variable | Owner occupier | P&I | LVR <=60% · Loan $>=50000 |
| ANZ Simplicity PLUS | 6.69% | 6.69% | Variable | Owner occupier | P&I | LVR 60-70% · Loan $>=50000 |
| ANZ Simplicity PLUS | 6.79% | 6.79% | Variable | Owner occupier | P&I | LVR 70-80% · Loan $>=50000 |
| ANZ Simplicity PLUS | 6.89% | 6.89% | Variable | Investment | P&I | LVR <=60% · Loan $>=50000 |
| ANZ Simplicity PLUS | 6.94% | 6.94% | Variable | Investment | P&I | LVR 60-70% · Loan $>=50000 |
| ANZ Simplicity PLUS | 7.04% | 7.04% | Variable | Investment | P&I | LVR 70-80% · Loan $>=50000 |
| ANZ Simplicity PLUS | 7.29% | 7.07% | Variable | Investment | Interest only | LVR <=60% · Loan $>=50000 |
| ANZ Simplicity PLUS | 7.34% | 7.34% | Variable | Owner occupier | P&I | LVR 80-90% · Loan $>=50000 |
| ANZ Simplicity PLUS | 7.34% | 7.12% | Variable | Investment | Interest only | LVR 60-70% · Loan $>=50000 |
| ANZ Simplicity PLUS | 7.44% | 7.22% | Variable | Investment | Interest only | LVR 70-80% · Loan $>=50000 |
| ANZ Standard Variable home loan | 7.49% | 7.49% | Variable | Owner occupier | P&I | LVR <=80% |
| ANZ Standard Variable home loan | 7.69% | 7.69% | Variable | Owner occupier | P&I | LVR >=80% |
| ANZ Simplicity PLUS | 7.74% | 7.74% | Variable | Investment | P&I | LVR 80-90% · Loan $>=50000 |
| ANZ Simplicity PLUS | 7.88% | 7.89% | Variable | Owner occupier | Interest only | LVR >=90% · Loan $>=50000 |
| ANZ Simplicity PLUS | 7.88% | 7.58% | Variable | Owner occupier | Interest only | LVR 80-90% · Loan $>=50000 |
| ANZ Simplicity PLUS | 7.88% | 7.28% | Variable | Owner occupier | Interest only | LVR 70-80% · Loan $>=50000 |
| ANZ Simplicity PLUS | 7.88% | 7.22% | Variable | Owner occupier | Interest only | LVR 60-70% · Loan $>=50000 |
| ANZ Simplicity PLUS | 7.88% | 7.19% | Variable | Owner occupier | Interest only | LVR <=60% · Loan $>=50000 |
| ANZ Simplicity PLUS | 7.89% | 7.89% | Variable | Owner occupier | P&I | LVR >=90% · Loan $>=50000 |
| ANZ Simplicity PLUS | 8.04% | 7.88% | Variable | Investment | Interest only | LVR 80-90% · Loan $>=50000 |
| ANZ Standard Variable home loan | 8.04% | 7.74% | Variable | Owner occupier | Interest only | LVR <=80% |
| ANZ Standard Variable home loan | 8.09% | 8.09% | Variable | Investment | P&I | LVR <=80% |
| ANZ Simplicity PLUS | 8.23% | 8.24% | Variable | Investment | Interest only | Loan $0-50000 |
| ANZ Simplicity PLUS | 8.23% | 8.24% | Variable | Investment | Interest only | LVR >=90% · Loan $>=50000 |
| ANZ Simplicity PLUS | 8.24% | 8.24% | Variable | Owner occupier | P&I | Loan $0-50000 |
| ANZ Simplicity PLUS | 8.24% | 8.24% | Variable | Investment | P&I | Loan $0-50000 |
| ANZ Simplicity PLUS | 8.24% | 8.24% | Variable | Investment | P&I | LVR >=90% · Loan $>=50000 |
| ANZ Standard Variable home loan | 8.24% | 7.94% | Variable | Owner occupier | Interest only | LVR >=80% |
| ANZ Standard Variable home loan | 8.29% | 8.29% | Variable | Investment | P&I | LVR >=80% |
| ANZ Standard Variable home loan | 8.34% | 8.21% | Variable | Investment | Interest only | LVR <=80% |
| ANZ Simplicity PLUS | 8.44% | 8.33% | Variable | Owner occupier | Interest only | Loan $0-50000 |
| ANZ Standard Variable home loan | 8.54% | 8.41% | Variable | Investment | Interest only | LVR >=80% |
Fixed rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| ANZ Fixed Rate home loan | 6.64% | 7.93% | Fixed | Investment | Interest only | 1 yr fixed · LVR <=80% · interest in advance |
| ANZ Fixed Rate home loan | 6.69% | 7.41% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 6.69% | 7.80% | Fixed | Investment | Interest only | 2 yr fixed · LVR <=80% · interest in advance |
| ANZ Fixed Rate home loan | 6.74% | 7.34% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 6.84% | 7.96% | Fixed | Investment | P&I | 1 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 6.84% | 7.83% | Fixed | Investment | P&I | 2 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 6.84% | 7.96% | Fixed | Investment | Interest only | 1 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 6.84% | 7.73% | Fixed | Investment | Interest only | 3 yr fixed · LVR <=80% · interest in advance |
| ANZ Fixed Rate home loan | 6.89% | 7.32% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 6.89% | 7.27% | Fixed | Owner occupier | P&I | 4 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 6.89% | 7.73% | Fixed | Investment | P&I | 3 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 6.89% | 7.84% | Fixed | Investment | Interest only | 2 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 6.89% | 7.65% | Fixed | Investment | Interest only | 4 yr fixed · LVR <=80% · interest in advance |
| ANZ Fixed Rate home loan | 6.89% | 7.56% | Fixed | Investment | Interest only | 5 yr fixed · LVR <=80% · interest in advance |
| ANZ Fixed Rate home loan | 6.94% | 7.25% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 6.94% | 7.18% | Fixed | Owner occupier | Interest only | 2 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 6.99% | 7.22% | Fixed | Owner occupier | Interest only | 1 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 6.99% | 7.67% | Fixed | Investment | P&I | 4 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 7.04% | 7.61% | Fixed | Investment | P&I | 5 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 7.04% | 7.78% | Fixed | Investment | Interest only | 3 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 7.04% | 7.39% | Fixed | Investment | Interest only | 7 yr fixed · LVR <=80% · interest in advance |
| ANZ Fixed Rate home loan | 7.04% | 7.28% | Fixed | Investment | Interest only | 10 yr fixed · LVR <=80% · interest in advance |
| ANZ Fixed Rate home loan | 7.09% | 9.21% | Fixed | Investment | Interest only | 1 yr fixed · interest in advance |
| ANZ Fixed Rate home loan | 7.09% | 7.20% | Fixed | Owner occupier | Interest only | 3 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 7.09% | 7.19% | Fixed | Owner occupier | Interest only | 4 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 7.09% | 7.18% | Fixed | Owner occupier | Interest only | 5 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 7.09% | 7.72% | Fixed | Investment | Interest only | 4 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 7.09% | 7.65% | Fixed | Investment | Interest only | 5 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 7.09% | 8.16% | Fixed | Investment | Interest only | 1 yr fixed · LVR >=80% · interest in advance |
| ANZ Fixed Rate home loan | 7.14% | 8.69% | Fixed | Owner occupier | P&I | 1 yr fixed |
| ANZ Fixed Rate home loan | 7.14% | 8.98% | Fixed | Investment | Interest only | 2 yr fixed · interest in advance |
| ANZ Fixed Rate home loan | 7.14% | 7.63% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.14% | 8.05% | Fixed | Investment | Interest only | 2 yr fixed · LVR >=80% · interest in advance |
| ANZ Fixed Rate home loan | 7.19% | 8.53% | Fixed | Owner occupier | P&I | 2 yr fixed |
| ANZ Fixed Rate home loan | 7.19% | 7.59% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.24% | 7.24% | Fixed | Owner occupier | P&I | 7 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 7.24% | 7.24% | Fixed | Owner occupier | P&I | 10 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 7.24% | 7.49% | Fixed | Investment | P&I | 7 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 7.24% | 7.40% | Fixed | Investment | P&I | 10 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 7.24% | 7.50% | Fixed | Investment | Interest only | 7 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 7.24% | 7.42% | Fixed | Investment | Interest only | 10 yr fixed · LVR <=80% |
| ANZ Fixed Rate home loan | 7.29% | 9.23% | Fixed | Investment | P&I | 1 yr fixed |
| ANZ Fixed Rate home loan | 7.29% | 9.01% | Fixed | Investment | P&I | 2 yr fixed |
| ANZ Fixed Rate home loan | 7.29% | 9.24% | Fixed | Investment | Interest only | 1 yr fixed |
| ANZ Fixed Rate home loan | 7.29% | 8.82% | Fixed | Investment | Interest only | 3 yr fixed · interest in advance |
| ANZ Fixed Rate home loan | 7.29% | 8.18% | Fixed | Investment | P&I | 1 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.29% | 8.08% | Fixed | Investment | P&I | 2 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.29% | 8.18% | Fixed | Investment | Interest only | 1 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.29% | 8.00% | Fixed | Investment | Interest only | 3 yr fixed · LVR >=80% · interest in advance |
| ANZ Fixed Rate home loan | 7.34% | 8.42% | Fixed | Owner occupier | P&I | 3 yr fixed |
| ANZ Fixed Rate home loan | 7.34% | 8.29% | Fixed | Owner occupier | P&I | 4 yr fixed |
| ANZ Fixed Rate home loan | 7.34% | 8.82% | Fixed | Investment | P&I | 3 yr fixed |
| ANZ Fixed Rate home loan | 7.34% | 9.02% | Fixed | Investment | Interest only | 2 yr fixed |
| ANZ Fixed Rate home loan | 7.34% | 8.66% | Fixed | Investment | Interest only | 4 yr fixed · interest in advance |
| ANZ Fixed Rate home loan | 7.34% | 8.51% | Fixed | Investment | Interest only | 5 yr fixed · interest in advance |
| ANZ Fixed Rate home loan | 7.34% | 7.59% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.34% | 7.56% | Fixed | Owner occupier | P&I | 4 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.34% | 8.01% | Fixed | Investment | P&I | 3 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.34% | 8.09% | Fixed | Investment | Interest only | 2 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.34% | 7.94% | Fixed | Investment | Interest only | 4 yr fixed · LVR >=80% · interest in advance |
| ANZ Fixed Rate home loan | 7.34% | 7.87% | Fixed | Investment | Interest only | 5 yr fixed · LVR >=80% · interest in advance |
| ANZ Fixed Rate home loan | 7.39% | 8.20% | Fixed | Owner occupier | P&I | 5 yr fixed |
| ANZ Fixed Rate home loan | 7.39% | 8.38% | Fixed | Owner occupier | Interest only | 2 yr fixed |
| ANZ Fixed Rate home loan | 7.39% | 7.56% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.39% | 7.43% | Fixed | Owner occupier | Interest only | 2 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.44% | 8.51% | Fixed | Owner occupier | Interest only | 1 yr fixed |
| ANZ Fixed Rate home loan | 7.44% | 8.68% | Fixed | Investment | P&I | 4 yr fixed |
| ANZ Fixed Rate home loan | 7.44% | 7.44% | Fixed | Owner occupier | Interest only | 1 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.44% | 7.97% | Fixed | Investment | P&I | 4 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.49% | 8.55% | Fixed | Investment | P&I | 5 yr fixed |
| ANZ Fixed Rate home loan | 7.49% | 8.88% | Fixed | Investment | Interest only | 3 yr fixed |
| ANZ Fixed Rate home loan | 7.49% | 8.24% | Fixed | Investment | Interest only | 7 yr fixed · interest in advance |
| ANZ Fixed Rate home loan | 7.49% | 8.00% | Fixed | Investment | Interest only | 10 yr fixed · interest in advance |
| ANZ Fixed Rate home loan | 7.49% | 7.92% | Fixed | Investment | P&I | 5 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.49% | 8.05% | Fixed | Investment | Interest only | 3 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.49% | 7.73% | Fixed | Investment | Interest only | 7 yr fixed · LVR >=80% · interest in advance |
| ANZ Fixed Rate home loan | 7.49% | 7.65% | Fixed | Investment | Interest only | 10 yr fixed · LVR >=80% · interest in advance |
| ANZ Fixed Rate home loan | 7.54% | 8.31% | Fixed | Owner occupier | Interest only | 3 yr fixed |
| ANZ Fixed Rate home loan | 7.54% | 8.22% | Fixed | Owner occupier | Interest only | 4 yr fixed |
| ANZ Fixed Rate home loan | 7.54% | 8.15% | Fixed | Owner occupier | Interest only | 5 yr fixed |
| ANZ Fixed Rate home loan | 7.54% | 8.74% | Fixed | Investment | Interest only | 4 yr fixed |
| ANZ Fixed Rate home loan | 7.54% | 8.60% | Fixed | Investment | Interest only | 5 yr fixed |
| ANZ Fixed Rate home loan | 7.54% | 7.47% | Fixed | Owner occupier | Interest only | 3 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.54% | 7.48% | Fixed | Owner occupier | Interest only | 4 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.54% | 7.49% | Fixed | Owner occupier | Interest only | 5 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.54% | 8.01% | Fixed | Investment | Interest only | 4 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.54% | 7.96% | Fixed | Investment | Interest only | 5 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.69% | 8.08% | Fixed | Owner occupier | P&I | 7 yr fixed |
| ANZ Fixed Rate home loan | 7.69% | 7.94% | Fixed | Owner occupier | P&I | 10 yr fixed |
| ANZ Fixed Rate home loan | 7.69% | 8.32% | Fixed | Investment | P&I | 7 yr fixed |
| ANZ Fixed Rate home loan | 7.69% | 8.09% | Fixed | Investment | P&I | 10 yr fixed |
| ANZ Fixed Rate home loan | 7.69% | 8.35% | Fixed | Investment | Interest only | 7 yr fixed |
| ANZ Fixed Rate home loan | 7.69% | 8.13% | Fixed | Investment | Interest only | 10 yr fixed |
| ANZ Fixed Rate home loan | 7.69% | 7.59% | Fixed | Owner occupier | P&I | 7 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.69% | 7.63% | Fixed | Owner occupier | P&I | 10 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.69% | 7.84% | Fixed | Investment | P&I | 7 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.69% | 7.78% | Fixed | Investment | P&I | 10 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.69% | 7.84% | Fixed | Investment | Interest only | 7 yr fixed · LVR >=80% |
| ANZ Fixed Rate home loan | 7.69% | 7.79% | Fixed | Investment | Interest only | 10 yr fixed · LVR >=80% |
Conditions worth checking. Minimum loan amount is $50,000 | Eligibility: You must be 18 years of age or older to apply | Eligibility: Applicant's primary income is in Australian Dollars Minimum loan amount is $20,000 | Eligibility: You must be 18 years of age or older to apply | Eligibility: Applicant's primary income is in Australian Dollars Minimum loan amount is $20,000 | Eligibility: Applicant's primary income is in Australian Dollars | Eligibility: You must be 18 years of age or older to apply