ANZ Home Loan Rates June 2025

Explore ANZ home loan offers to find some of the most competitive mortgage rates, fees, and features available for you.

Monthly repayment below is based on a $500,000 loan amount over 30 years.

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LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees Max LVR Lump Sum Repayment Extra Repayments Split Loan Option TagsFeaturesLinkComparePromoted ProductDisclosure
5.39% p.a.
6.48% p.a.
$2,805
Principal & Interest
Fixed
$null
$null
80%
  • Owner Occupier
  • Fixed 2 Years
  • Principal & Interest
  • 20% Min Deposit
  • More details
5.49% p.a.
6.61% p.a.
$2,836
Principal & Interest
Fixed
$null
$null
80%
  • Owner Occupier
  • Fixed 1 Year
  • Principal & Interest
  • 20% Min Deposit
  • More details
5.54% p.a.
6.84% p.a.
$2,308
Interest-only
Fixed
$0
$160
80%
  • Investor
  • Fixed 3 Years
  • Interest-only
  • 20% Min Deposit
  • Redraw
  • More details
5.54% p.a.
6.98% p.a.
$2,852
Principal & Interest
Fixed
$0
$160
80%
  • Investor
  • Fixed 2 Years
  • Principal & Interest
  • 20% Min Deposit
  • Redraw
  • More details
5.64% p.a.
6.85% p.a.
$2,883
Principal & Interest
Fixed
$0
$160
80%
  • Investor
  • Fixed 3 Years
  • Principal & Interest
  • 20% Min Deposit
  • Redraw
  • More details
5.64% p.a.
7.16% p.a.
$2,883
Principal & Interest
Fixed
$0
$160
80%
  • Investor
  • Fixed 1 Year
  • Principal & Interest
  • 20% Min Deposit
  • Redraw
  • More details
5.69% p.a.
6.44% p.a.
$2,899
Principal & Interest
Fixed
$null
$null
80%
  • Owner Occupier
  • Fixed 3 Years
  • Principal & Interest
  • 20% Min Deposit
  • More details
5.74% p.a.
6.89% p.a.
$2,392
Interest-only
Fixed
$0
$160
70%
  • Investor
  • Fixed 3 Years
  • Interest-only
  • 30% Min Deposit
  • Redraw
  • More details
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Important Information and Comparison Rate Warning

Rates correct as of .


ANZ is the fourth-largest home lender in Australia and as such, caters for a wide range of borrowers.

Unlike some of the larger big banks, ANZ hasn't stated it's looking to originate more of its loans in-house rather than through its broker network. However, it has acknowledged that broker-initiated loans are less profitable to its business.

The bank offers two headline variable rate home loan products: the Standard Variable and its 'no frills' Simplicity PLUS home loan, as well as fixed rate loans. It also boasts its app-exclusive ANZ Plus platform, which offers a variable rate home loan for eligible refinancers.

ANZ markets its Standard Variable loan as its most flexible, with the ability to add features such as an offset account (for a $10 monthly fee).

Like many big banks, some of the rates advertised on its website are standard rates which are generally considerably higher than those many of its home loan customers are paying.

ANZ does not offer home loan packages and doesn't charge set-up or ongoing fees on new or refinanced home loans.

You may find ANZ a good fit if you:

  • Prefer the security and services of a big bank
    As one of Australia's oldest banks, ANZ offers brand recognition and the full range of banking services that comes with major banks.

  • Prefer in-branch banking
    ANZ has a wide network of branches making face-to-face interactions more accessible. It also offers digital banking services.

  • Are looking for flexibility
    ANZ offers products suitable for a range of homeowners, including first homeowners, refinancers, investors, and those wanting to build. It also offers split loan options and allows borrowers to choose their own repayment schedules.

  • Are borrowing under the Home Guarantee Scheme
    ANZ participates in the federal government's scheme to guarantee loans for eligible borrowers, allowing them to access home loans with low deposits without paying lenders mortgage insurance (LMI).

  • Are a doctor or medical professional
    ANZ offers LMI waivers to eligible medical and dental practitioners and medical specialists who have deposits as low as 5%.

  • Want to take advantage of a home loan offer
    Of the big banks, ANZ regularly offers cashback refinance and bonus offers to eligible borrowers. These can be subject to change but are worth checking out.

  • Are a PAYG or casual employee
    ANZ has flexible income verification options for loan applicants who may not be standard wage or salary earners.

Latest ANZ News

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