ANZ home loan repayment calculator

Thinking about taking out a home loan with ANZ? Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how ANZ home loans compare with other options.

I'd like to borrow

$

I am an

Loan term

With a repayment type

Your estimated repayments

at interest rate 2.72 %

Total interest payable

$0

Total amount payable

$0

Pros and cons

Pros
  • Variety of home loan products to choose from
  • Package deals available to bundle other financial products
  • Comprehensive customer service offering
Cons
  • Moderate to high interest rates
  • Some home loans have moderate to high fees
  • Higher rates for some types of customers

ANZ home loans rates

Product
Advertised Rate
Total estimated upfront fees
Comparison Rate*
Ongoing fee
Go to site
Company

2.72%

Variable

$360

2.76%

$0
ANZ
More details

2.98%

Variable

$360

3.02%

$0
ANZ
More details

3.12%

Variable

$310

3.16%

$0
ANZ
More details

3.38%

Variable

$310

3.17%

$0
ANZ
More details

3.22%

Variable

$310

3.26%

$0
ANZ
More details

3.23%

Variable

$310

3.29%

$0
ANZ
More details

3.73%

Variable

$910

3.77%

$0
ANZ
More details

3.74%

Variable

$910

3.78%

$0
ANZ
More details

3.74%

Variable

$310

3.78%

$0
ANZ
More details

2.69%

Fixed - 5 years

$0

3.82%

$395 annually
ANZ
More details

2.84%

Fixed - 5 years

$910

3.84%

$10 monthly
ANZ
More details

3.94%

Variable

$310

3.85%

$0
ANZ
More details

2.29%

Fixed - 3 years

$0

3.89%

$395 annually
ANZ
More details

2.69%

Fixed - 4 years

$0

3.90%

$395 annually
ANZ
More details

2.84%

Fixed - 4 years

$910

3.94%

$10 monthly
ANZ
More details

2.44%

Fixed - 3 years

$910

3.95%

$10 monthly
ANZ
More details

3.59%

Variable

$0

4.00%

$395 annually
ANZ
More details

2.29%

Fixed - 2 years

$0

4.02%

$395 annually
ANZ
More details

3.64%

Variable

$0

4.05%

$395 annually
ANZ
More details

2.44%

Fixed - 2 years

$910

4.10%

$10 monthly
ANZ
More details

2.39%

Fixed - 1 year

$0

4.16%

$395 annually
ANZ
More details

4.14%

Variable

$0

4.18%

$395 annually
ANZ
More details

3.79%

Variable

$0

4.20%

$395 annually
ANZ
More details

3.48%

Fixed - 2 years

$0

4.21%

$395 annually
ANZ
More details

3.68%

Fixed - 3 years

$0

4.22%

$395 annually
ANZ
More details

4.19%

Variable

$0

4.23%

$395 annually
ANZ
More details

3.88%

Fixed - 5 years

$0

4.25%

$395 annually
ANZ
More details

3.88%

Fixed - 4 years

$0

4.26%

$395 annually
ANZ
More details

2.54%

Fixed - 1 year

$910

4.27%

$10 monthly
ANZ
More details

2.99%

Fixed - 5 years

$0

4.27%

$395 annually
ANZ
More details

2.99%

Fixed - 5 years

$0

4.28%

$395 annually
ANZ
More details

3.78%

Fixed - 1 year

$0

4.28%

$395 annually
ANZ
More details

3.14%

Fixed - 5 years

$910

4.31%

$10 monthly
ANZ
More details

3.63%

Fixed - 2 years

$910

4.31%

$10 monthly
ANZ
More details

3.83%

Fixed - 3 years

$910

4.31%

$10 monthly
ANZ
More details

4.03%

Fixed - 5 years

$910

4.32%

$10 monthly
ANZ
More details

3.14%

Fixed - 5 years

$910

4.34%

$10 monthly
ANZ
More details

3.19%

Fixed - 5 years

$0

4.34%

$395 annually
ANZ
More details

4.03%

Fixed - 4 years

$910

4.34%

$10 monthly
ANZ
More details

2.49%

Fixed - 3 years

$0

4.36%

$395 annually
ANZ
More details

2.49%

Fixed - 3 years

$0

4.37%

$395 annually
ANZ
More details

2.99%

Fixed - 4 years

$0

4.37%

$395 annually
ANZ
More details

4.34%

Variable

$0

4.37%

$395 annually
ANZ
More details

2.99%

Fixed - 4 years

$0

4.38%

$395 annually
ANZ
More details

2.69%

Fixed - 3 years

$0

4.40%

$395 annually
ANZ
More details

3.93%

Fixed - 1 year

$910

4.40%

$10 monthly
ANZ
More details

3.34%

Fixed - 5 years

$910

4.41%

$10 monthly
ANZ
More details

2.64%

Fixed - 3 years

$910

4.43%

$10 monthly
ANZ
More details

3.14%

Fixed - 4 years

$910

4.43%

$10 monthly
ANZ
More details

3.19%

Fixed - 4 years

$0

4.43%

$395 annually
ANZ
More details

2.64%

Fixed - 3 years

$910

4.45%

$10 monthly
ANZ
More details

3.14%

Fixed - 4 years

$910

4.45%

$10 monthly
ANZ
More details

4.39%

Variable

$910

4.49%

$5 monthly
ANZ
More details

2.84%

Fixed - 3 years

$910

4.50%

$10 monthly
ANZ
More details

2.49%

Fixed - 2 years

$0

4.51%

$395 annually
ANZ
More details

3.34%

Fixed - 4 years

$910

4.51%

$10 monthly
ANZ
More details

2.49%

Fixed - 2 years

$0

4.53%

$395 annually
ANZ
More details

2.69%

Fixed - 2 years

$0

4.55%

$395 annually
ANZ
More details

4.19%

Variable

$0

4.59%

$395 annually
ANZ
More details

2.64%

Fixed - 2 years

$910

4.62%

$10 monthly
ANZ
More details

2.64%

Fixed - 2 years

$910

4.62%

$10 monthly
ANZ
More details

4.24%

Variable

$0

4.64%

$395 annually
ANZ
More details

4.44%

Variable

$0

4.65%

$395 annually
ANZ
More details

2.84%

Fixed - 2 years

$910

4.66%

$10 monthly
ANZ
More details

2.59%

Fixed - 1 year

$0

4.70%

$395 annually
ANZ
More details

4.49%

Variable

$0

4.70%

$395 annually
ANZ
More details

4.94%

Variable

$910

4.70%

$5 monthly
ANZ
More details

2.59%

Fixed - 1 year

$0

4.71%

$395 annually
ANZ
More details

2.79%

Fixed - 1 year

$0

4.72%

$395 annually
ANZ
More details

4.39%

Variable

$0

4.79%

$395 annually
ANZ
More details

2.74%

Fixed - 1 year

$910

4.83%

$10 monthly
ANZ
More details

2.74%

Fixed - 1 year

$910

4.83%

$10 monthly
ANZ
More details

2.94%

Fixed - 1 year

$910

4.85%

$10 monthly
ANZ
More details

4.64%

Variable

$0

4.85%

$395 annually
ANZ
More details

4.99%

Variable

$910

5.09%

$5 monthly
ANZ
More details

5.24%

Variable

$910

5.18%

$5 monthly
ANZ
More details

5.21%

Variable

$0

5.59%

$395 annually
ANZ
More details

5.21%

Variable

$0

5.59%

$395 annually
ANZ
More details

5.26%

Variable

$0

5.64%

$395 annually
ANZ
More details

5.26%

Variable

$0

5.64%

$395 annually
ANZ
More details

5.43%

Variable

$0

5.81%

$395 annually
ANZ
More details

5.43%

Variable

$0

5.81%

$395 annually
ANZ
More details

6.01%

Variable

$910

6.22%

$150 annually
ANZ
More details

6.01%

Variable

$910

6.22%

$150 annually
ANZ
More details

7.54%

Fixed - 7 years

$0

6.26%

$395 annually
ANZ
More details

7.69%

Fixed - 7 years

$910

6.30%

$10 monthly
ANZ
More details

7.54%

Fixed - 7 years

$0

6.37%

$395 annually
ANZ
More details

7.69%

Fixed - 7 years

$910

6.38%

$10 monthly
ANZ
More details

7.54%

Fixed - 7 years

$0

6.53%

$395 annually
ANZ
More details

7.69%

Fixed - 7 years

$910

6.58%

$10 monthly
ANZ
More details

7.54%

Fixed - 7 years

$0

6.63%

$395 annually
ANZ
More details

7.69%

Fixed - 7 years

$910

6.64%

$10 monthly
ANZ
More details

7.54%

Fixed - 10 years

$0

6.79%

$395 annually
ANZ
More details

7.69%

Fixed - 10 years

$910

6.81%

$10 monthly
ANZ
More details

7.69%

Fixed - 10 years

$910

6.93%

$10 monthly
ANZ
More details

7.54%

Fixed - 10 years

$0

6.95%

$395 annually
ANZ
More details

7.54%

Fixed - 10 years

$0

6.97%

$395 annually
ANZ
More details

7.69%

Fixed - 10 years

$910

6.99%

$10 monthly
ANZ
More details

7.69%

Fixed - 10 years

$910

7.09%

$10 monthly
ANZ
More details

7.54%

Fixed - 10 years

$0

7.10%

$395 annually
ANZ
More details

ANZ customer service

Home loan customers at ANZ can contact the bank by phone, live chat with ANZ staff online to answer pressing queries or talk to a staff member face to face at a branch.

  • Customer service (phone, email, branch)
  • Mobile app
  • Online banking
  • Live Chat
  • Mobile banking staff

How to apply for an ANZ home loan

Potential ANZ customers can apply for a home loan in several different ways, including by phone, online, visiting a branch or organising for an ANZ representative to come to you. 

Before applying for a home loan, it’s important to consider how much money you can afford to borrow and comfortably repay, given your financial situation and income. 

You will also need to provide documentation when applying for a home loan, including:

  • Personal identification
  • Proof of income (whether from an employer or self-employment)
  • Information regarding your current debts, liabilities and assets.
  • Personal insurance documents.

If you’re refinancing with ANZ, you’ll also have to provide home loan statements for the past three months for the loan you wish to refinance. 

About ANZ home loans

ANZ home loans cater to a wide range of mortgage customers.

Home loans offered by ANZ include:

  • Owner-occupier home loans
  • Investor home loans
  • Low-doc home loans
  • Bridging loans
  • Reverse mortgages

ANZ home loan borrowers can also choose from a range of interest rate options:

  • Principal and interest
  • Interest-only
  • Fixed interest rate
  • Variable interest rate
  • Split loans (fixed and variable rates)

Borrowers who bundle their home loan with an ANZ transaction account and credit card may also be able to take advantage of interest rate discounts, waived fees and a range of other features.

Some ANZ home loans also come with introductory offers and interest rate discounts.

ANZ home loans have a maximum loan term of 30 years. Some loans allow unlimited extra repayments, while others allow extra repayments with restrictions.

ANZ home loan rates

ANZ home loan rates vary depending on the product but tend to range between moderately low and moderately high. As an established brand and one of Australia’s biggest banks, ANZ doesn’t have to undercut competitors with low rates, so interest rates tend to sit in the mid-range.

As is the case for many home lenders, ANZ generally offers lower interest rates to owner-occupiers than to investors, and borrowers making principal and interest payments tend to get lower interest rates than those making interest-only payments. Likewise, ANZ’s borrowers with lower LVRs (loan-to-value ratios) are generally offered lower interest rate