Why choose ANZ

Benefits

  • Variety of home loan products to choose from
  • Package deals available to bundle other financial products
  • Comprehensive customer service offering

Drawbacks

  • Moderate to high interest rates
  • Higher rates for some types of customers
  • Some home loans have moderate to high fees

ANZ Home Loans

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Australian Credit Licence 234527Fees & charges apply

7.24%

7.24%

$2,528

  • Cashback
  • Owner Occupied
  • Variable
  • 10% min deposit
  • P&I
Enquire

Australian Credit Licence 234527Fees & charges apply

Australian Credit Licence 234527Fees & charges apply

6.59%

7.27%

$2,383

  • Cashback
  • Owner Occupied
  • Fixed undefined year
  • 10% min deposit
  • P&I
Enquire

Australian Credit Licence 234527Fees & charges apply

Australian Credit Licence 234527Fees & charges apply

6.89%

7.33%

$2,010

  • Cashback
  • Owner Occupied
  • Fixed undefined year
  • 10% min deposit
  • Interest Only
Enquire

Australian Credit Licence 234527Fees & charges apply

Australian Credit Licence 234527Fees & charges apply

7.84%

7.84%

$2,664

Standard Variable Investment Loan
  • Cashback
  • Investor
  • Variable
  • 20% min deposit
  • P&I

Australian Credit Licence 234527Fees & charges apply

Australian Credit Licence 234527Fees & charges apply

7.64%

7.64%

$2,618

Simplicity Plus Investment Loan
  • Cashback
  • Investor
  • Variable
  • 10% min deposit
  • P&I

Australian Credit Licence 234527Fees & charges apply

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

$
130
25 years

Your estimated mortgage repayments

at interest rate 6.54%

Total interest payable

$0

Total loan repayments

$0

Contact a mortgage broker

ANZ homeloans are vailable through brokers who can help find the right loan and manage your application at no charge.

Deborah Fredericks

NSW, 2478

Customer Representative Number: 376823

Azm Khan

NSW, 2150

Customer Representative Number: 463273

Lee Tsiboukas

QLD, 4216

Customer Representative Number: 550725

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 rates than borrowers with higher LVRs.

ANZ also offers different interest rates depending on whether the borrower applies for a variable mortgage, a one-year fixed-rate mortgage, two-year fixed-rate mortgage, three-year fixed rate-mortgage or five-year fixed rate mortgage.

ANZ home loans review

In a varied and ever-changing mortgage market, ANZ has the advantage of being established and well-known, so customers often see the bank as a reliable option for home loans.

As you might expect from one of the big four banks, ANZ offers home loans to suit a wide range of borrowers, ranging from basic owner-occupier home loans to more specialist loans, including reverse mortgages, bridging loans and others. It is worth noting that ANZ does not offer SMSF loans.

While ANZ offers convenience through its extensive network of branches and customer service options, it isn’t the cheapest option on the market for home loans. Interest rates tend to range from moderately low to moderately high, while its fees typically range from very low to high.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.