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Lock in your repayments for a fixed period with our fixed rate home loan. And pay no ANZ set up or ongoing fees on your home loan.disclaimer
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Interest ratedisclaimer disclaimer |
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Discounted 3 year fixed rate when borrowing 80% or less of the property valuedisclaimeron owner occupied home loan with principal and interest repayments.
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.
Fixed rate home loans have a fixed interest rate for a set period of time. That means the interest rate you pay on your home loan doesn’t change during that period.
When your fixed rate term ends, your home loan will switch to a variable rate and your repayments will change.
Home loan interest rates can go up or down at different times, so fixing your home loan interest rate for a certain period can provide greater certainty. If interest rates were to increase, you would continue to pay your lower fixed rate for the duration of the fixed period. However, if interest rates were to fall, you wouldn’t be able to benefit from the reduction in repayments during your fixed rate period.
Repayment certainty, easier budgeting during fixed rate period
Knowing what your repayments will be during the fixed rate period could help you budget with certainty. However, if rates fall during the fixed rate period, you'll miss out on any reduction in payments that would occur with a variable rate home loan. You may also be charged early repayment costs if, for example, you change certain terms of your loan or make early or additional repayments during the fixed rate period.
No ongoing fees
No ANZ set up or ongoing fees on your home loan.disclaimerOnly pay for the features you choose to use.
Discounted interest rate
Get a discounted interest rate based on your LVR. Higher discounts may apply if your LVR is 80% or less.
Lock in a rate
Found a great rate but not yet ready to draw down on your loan? You can apply to lock in an interest rate for up to 90 days (terms and conditions and a fee of $750 per $1m in lending (or part thereof) apply).disclaimer
Offset account on 1-year fixed loans
With an ANZ One Offset account, you could offset the amount you owe on your 1 year fixed rate home loan and you'll only be charged interest on the difference. A fee of $10 per month applies
Interest only paymentsdisclaimeroption
Apply for a loan with interest only payments for an agreed term (5 years maximum for owner occupied and 10 years maximum for investment property).disclaimer Making interest only payments may suit you in some circumstances.
Ability to pay interest in advancedisclaimer
You may be able to structure your interest payments for tax purposes if you pre-pay the following year's interest for your investment property with an ANZ Fixed Residential Investment loan.
Consider ANZ Standard Variable home loan if you're after a more flexible home loan where your interest rate could change.
Consider splitting your loan into part fixed, part variable rate in the ratio that best suits your needs.
Kick start your home loan application with us in under 5 minutes with details about:
One of our home loan specialists will get in touch to progress with your application.
Call back time is 1-3 business days.
Not ready to apply but want to speak with a home loan specialist? Get in touch another way
Fee freedom. Sounds good, doesn't it?
With our new simpler home loan fee structure you'll only pay for the features you choose to use, and you won't be charged any ANZ set up or ongoing fees.disclaimer
Here are all the fees you won’t be charged on your home loan, plus some facts and figures you should know.
The fees and charges shown are current and applicable for loans applied for on or from 19 March 2022. For further information, see ANZ Personal Banking General Fees and Charges (PDF).
We've got just the tool! Use our home loan comparison tool to easily compare our Fixed Rate loan with other ANZ home loan options.disclaimer
You can apply for both an eligible ANZ Home loan and ANZ Credit Card togetherdisclaimer through one streamlined application process and no additional credit check.disclaimer And remember, there are no ANZ set up or ongoing fees on ANZ home loans.disclaimer
You can apply for a discounted interest rate based on your Loan to Value Ratio (LVR). Higher discounts may apply if your LVR is 80% or less.
Your LVR is the amount you're looking to borrow, divided by the value of the property you want to
Provide us with your details and one of our home loan specialists will get in touch. They can discuss issues including:
As well as any other home loan queries you may have.
Call back time is 1-3 business days.
Begin your home loan application journey by providing details about:
One of our home loan specialists will then be in touch to progress with your application.
Call back time is 1-3 business days.
The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF) before acquiring any product.
Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply. Australian credit licence number 234527.
The target market for these products can be found within the product’s Target Market Determination, available here.
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.
ReturnThe interest rate shown includes an interest rate discount from the index rate. For ANZ Standard Variable, this 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 ANZ Fixed, this discount is for loans with a LVR greater than 80% and for loans with a LVR 80% or less.
ReturnRates 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.
ReturnInterest 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.
ReturnComparison 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.
ReturnProperty value is ANZ's valuation of the security property and may be different to the price you pay for a property.
ReturnThe 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.
ReturnInterest only loans are not for everyone and you should consider if this is the right strategy for you. Applications are subject to credit assessment.
ReturnSubject to ANZ's credit assessment criteria.
ReturnTerms and Conditions, fees and charges apply please refer to the ANZ Consumer Lending Terms and Conditions (PDF).
ReturnIndex rate current as at and subject to change. The index rate (or reference rate) does not include any interest rate discounts that may apply.
ReturnRates shown apply during the interest only period of your loan. Choose from 1-5 year interest only terms for owner occupied on an ANZ Standard Variable (Land Loan up to three years) and ANZ Fixed (Land Loan up to three years) and choose from 1-5, 7 and 10 year interest only terms for residential investments on an ANZ Standard Variable (Land Loan up to one year), ANZ Fixed (Land Loan up to one year) and ANZ Simplicity PLUS. If you choose to make interest only payments on ANZ Fixed, your fixed period and interest only period will be the same. After the interest only period, your rate will switch to the applicable variable rate for a principal and interest loan. At the end of the interest only period, minimum repayment amounts may increase to cover principal and interest. Interest only loans are not for everyone and you should consider if this is the right strategy for you.
ReturnFor 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, 8:00am to 8:00pm (AEST), Monday to Friday.
ReturnLenders Mortgage Insurance (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 the Loan to Value Ratio (LVR) is above 80% (depending on the type of property). For some property types, LMI might be required when LVR is less than 80%.
ReturnANZ does not provide personal advice, and the Home Loan comparison tool is only intended to assist you compare ANZ home loan options. It is provided for illustrative purposes only. Terms and Conditions, fees, charges, credit approvals and eligibility criteria apply to ANZ Home Loans.
ReturnANZ Business Credit Cards are not eligible. Applications for credit are subject to ANZ’s credit approval criteria. T&Cs, exclusions, fees and charges apply. T&Cs, exclusions, and fees and charges apply.
ReturnANZ will not undertake an additional credit report check only because you have applied for an eligible ANZ Home Loan and ANZ Credit Card together. Depending on the circumstances of your application, ANZ may need to undertake further credit report checks to collect information about your credit history from a credit reporting body to assist us in assessing your application.
ReturnOther 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. ANZ Credit Card fees and charges apply.
ReturnEstimated LVR is based on the limited information provided and is for illustrative purposes only. Estimated LVR is rounded up to one decimal place. For example, an estimated LVR of 80.01% will be rounded up to 80.1%. The value of the property (as assessed by ANZ) may differ from your estimate. It does not constitute a quote or an offer for credit. To apply for an ANZ home loan you must complete an application. All applications for credit are subject to ANZ's credit approval criteria.
ReturnANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.
Return