Home loans

Offer can be withdrawn at any time. Maximum one cashback per eligible loan, individual may only claim once. Available for eligible First Home Buyers who purchase or construct their first property and take out an Eligible ANZ Home Loan of $250,000 or more. Offer not available for any Eligible ANZ Home Loan supported by a Government guarantee, where an ANZ LMI Waiver applies, or for ANZ Plus Home Loans. Other exclusions may apply. To be eligible to receive the cashback First Home Buyers must hold an Eligible ANZ Account at loan drawdown. Drawdown on the Eligible ANZ Home Loan(s) must take place within 180 days from applying. Cashback paid after settlement within 60 days of drawdown. See the full Terms and Conditions (PDF) for this offer. Fees, charges and eligibility criteria apply. Applications for credit are subject to approval.

A price range estimate is an estimate only. It is based on certain available information provided when ordering a Property Profile Report. It is not a valuation of the property or a guarantee of its market value or future sale price. Price range estimates may change daily and the actual sale price (if the property is sold) may be different.

ANZ may provide pre-approval (also known as approval in principle or conditional approval) to eligible customers who apply for an ANZ home loan and complete an application form and satisfy any other applicable requirements. Pre-approval is an approval for a loan subject to conditions being met, including that security is satisfactory to ANZ. Australian Credit Licence 234527.

ANZ Property Profile Reports are not personal advice or a recommendation. They contain general information only and do not take into account personal needs and financial circumstances. They are for personal use only. Price range estimates and estimated total equity are estimates only. They are based on certain available information and/or equity estimates provided when ordering an ANZ Property Profile Report. An ANZ Property Profile Report is not a valuation of the property or a guarantee of its market value or future sale price. Price range estimates may change daily and the actual sale price (if the property is sold) may be different.  Customers should make their own enquiries and obtain independent financial and legal advice before deciding whether to use their equity to invest in property, renovate or deciding the price they are willing to pay for a property. Sales history and past performance are not indicative of future price or performance.

For ANZ home loans: Other home loan fees including Late Payment Fee, Lock Rate Fee, Early Repayment Cost (Fixed Rate Loans) and ANZ Equity Manager facility fee still apply. Loan security fees including Lodgement Fee, Production Fee, Settlement Fee and Search Fee still apply however will not be charged on establishment of a loan. Government fees and charges (including government search fees and stamp duty) may still apply.

Eligibility criteria applies. Applicants must receive PAYG income or earn income via wages paid from their own company (all other forms of self-employed income are excluded from this policy) and be refinancing their loan from another financial institution only. The loan must not require Lenders Mortgage Insurance. The current minimum repayment must be greater than or equal to the minimum principal and interest repayment for the residual term of the new loan. Maximum cash out of $50,000. There must be 12 months repayment history evident on CCR (Comprehensive Credit Reporting) for the loan being refinanced and no evidence of delinquency/hardship on any ANZ or other financial institution accounts in the past 24 months. There must be no more than 3 new credit card or personal loan products opened by the customer in the last 12 months.

The interest rate shown includes any applicable interest rate discount from the index rate. For ANZ Standard Variable, the interest rate discount is  for loans with a Loan to Value Ratio (LVR) of greater than 80% and  for loans with a LVR 80% or less. For applications submitted from 28 October 2024 for ANZ Fixed, there is no interest rate discount for loans with a LVR of greater than 80% and the interest rate discount is  for loans with a LVR of 80% or less.

Rates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan.

Interest rates shown on this page are current as at  and are subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF), ANZ Personal Banking General Fees and Charges (PDF) and your letter of offer.

Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including any applicable interest rate discounts. These rates are for secured loans only.

WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

For interest only variable loans, the comparison rates are based on an initial 5 year interest only term. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.

ANZ Mobile Lending representatives operate under an ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 Australian credit licence 234527.

Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.

Terms and Conditions and eligibility criteria apply to ANZ Redraw. ANZ Redraw is not available on loans in a company name. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF).

Eligibility criteria applies. Applicants must receive PAYG income or earn income via wages paid from their own company (all other forms of self-employed income are excluded from this policy) and be refinancing their loan from another financial institution only. The loan must not require Lenders Mortgage Insurance. The current minimum repayment must be greater than or equal to the minimum principal and interest repayment for the residual term of the new loan. Maximum cash out of $50,000. There must be 12 months repayment history evident on CCR (Comprehensive Credit Reporting)  for the loan being refinanced and no evidence of delinquency/hardship on any ANZ or other financial institution accounts in the past 24 months. There must be no more than 3 new credit card or personal loan products opened by the customer in the last 12 months.

The rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.

The rate shown is the Simplicity PLUS Residential Investment Property Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime. 

The fixed rate is set on the day the loan is drawn down. If you want to lock in a rate prior to drawdown, you can ask ANZ about options for locking in a fixed rate before settlement on eligible loans. A fee of $750 per $1 million of lending (or part thereof) applies. Available for fixed rate loans with terms of 1-5 years. Terms and Conditions available on application.

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) and ANZ Fixed Rate Loans - What happens if you repay some or all of it early? (PDF). Alternatively please visit any ANZ branch or phone the Home Loan Hotline on 1800 100 641, 8am to 7pm (Sydney/Melbourne time), Monday to Friday.