Close mobile menu Personal Home loans Home loans Compare home loans ANZ Standard Variable ANZ Simplicity PLUS ANZ Fixed Rate ANZ Plus home loan ANZ One offset account Bridging loans Supplementary loan Construction loan Compare home loans ANZ Standard Variable ANZ Simplicity PLUS ANZ Fixed Rate ANZ Plus home loan ANZ One offset account Bridging loans Supplementary loan Construction loan Compare home loans ANZ Standard Variable ANZ Simplicity PLUS ANZ Plus home loan ANZ One offset account Supplementary loan Construction loan Calculators and tools Calculators and tools Compare home loans Repayment calculator Borrowing power calculator Stamp duty calculator Home deposit and upfront costs calculator Next home calculator Living expenses calculator ANZ Property Reports Home Loan Check-In LVR calculator Calculators and tools Compare home loans Repayment calculator Borrowing power calculator Stamp duty calculator Home deposit and upfront costs calculator Next home calculator Living expenses calculator ANZ Property Reports Home Loan Check-In Interest rates Interest rates Interest rate changes Interest rate changes Manage your loan Manage your loan Interest only repayments Understanding your home loan Getting the most out of your loan Increase your home loan Understanding repayment types Manage your repayments Changes to your loan repayments Enquire about repayment support Manage your loan Interest only repayments Understanding your home loan Getting the most out of your loan Increase your home loan Understanding repayment types Manage your repayments Changes to your loan repayments Enquire about repayment support Get started Get started Home loan pre-approval Apply for a home loan Documents you need to apply Moving towards full approval Property buying journey Home loan checklist Mobile lending Home loan pre-approval Apply for a home loan Documents you need to apply Moving towards full approval Property buying journey Home loan checklist Buying, renovating or refinancing? No matter what journey you’re on, use our home loan calculators, comparison tools and guides to help you choose a home loan that's right for you - and get you to a good place. Now proudly participating in the Australian Government 5% Deposit Scheme. Request a call back Get in touch another way  The information on this page does not apply to ANZ Plus products. First home buyers Move into your first home sooner The Australian Government 5% Deposit Scheme helps first home buyers and single parents get into the market sooner with a smaller deposit. ANZ eligibility criteria, T&Cs, fees, charges and exclusions apply. Scheme eligibility criteria apply. Choose your home buying journey Invest in property Refinance to ANZ Two options for first home buyers Australian Government 5% Deposit Scheme We’re proud to participate in the Australian Government 5% Deposit Scheme. Designed for first home buyers with a minimum 5% deposit, or single parents with 2%, the Scheme also removes the need for Lenders Mortgage Insurance. Find out more  $3K cashback for eligible first home buyers Don’t qualify for the Government Scheme? You could still get $3,000 cashback to spend how you like. Available to eligible first home buyers with an ANZ home loan of $250,000 or more. disclaimer Request a call back  Not available for eligible loans supported by a Government guarantee or where an ANZ LMI Waiver applies. Other exclusions, eligibility criteria and T&Cs apply. Book a free consult with an ANZ First Home Coach Get free support from an ANZ First Home Coach. We'll help you to: determine budgeting and saving for your deposit understand potential costs of buying property work out a plan to get you your first home Leave your details with us and we’ll call you back within 2 business days. Request a call back Or are you ready to apply? Start your online application and we’ll be in touch to help you complete the process. How much could a property be worth? Get a free report Got your eye on a property? Get the latest insights on it with an ANZ Property Profile Sales Report. You'll see a price range estimate of how much it might be worth disclaimer , suburb insights, comparable recent sales, rental information and more. Enter the property details and the report will be emailed to you in minutes. Get your free report Apply for pre-approval  Interest rates and offers  Borrowing power calculator  Repayment calculator  Home deposit and upfront costs calculator  Learn more about buying your first home See our articles, tools and resources. Let's get started  Support for your next home journey See our articles, tools and resources. Let's get started  Start the pre-approval process in just 5 minutes Working out how much you can afford to spend on your next property is a big decision. ANZ home loan pre-approval disclaimer can give you more certainty of how much you could borrow from ANZ, so you can feel more confident about making an offer. Apply for pre-approval Receive a free equity report for your home Want to use the available equity in your home to help buy your next property? Get a free ANZ Property Profile Equity Report to help you estimate how much equity you may have and how you could use it. disclaimer Enter the property details and the report will be emailed to you in minutes. Get your equity report Interest rates and offers  Next home calculator  Repayment calculator  Compare our home loans  Get sales and suburb insights on a property  Read articles, tips and guides  Talk to our specialists Looking to buy your next property? Get help from our network of home loan specialists, including mobile lenders who can meet when and where it suits you. We'll help you navigate your ANZ home loan options so you can make your next move with confidence. Leave your details with us and we’ll call you back within 2 business days. Request a call back Or are you ready to apply? Start your online application and we’ll be in touch to help you complete the process. Free property sales report Got your eye on a property? Get the latest insights on it with an ANZ Property Profile Sales Report. You'll see a price range estimate of how much it might be worth disclaimer , suburb insights, comparable recent sales, rental information and more. Enter the property details and the report will be emailed to you in minutes. Get your report Apply for pre-approval  Borrowing power calculator  Repayment calculator  Interest rates and offers  Compare our home loans  Start your investment property journey Interested in buying your first or next investment? Explore your options with an ANZ Home Loan Specialist. We can guide you through the home loan process, explain how to apply for pre-approval disclaimer and check to see if we can get you a better interest rate. Leave your details with us and we’ll call you back within 2 business days. Request a call back Or are you ready to apply? Start your online application and we’ll be in touch to help you complete the process. Learn more about buying an investment property See our articles, tools and resources. Let's get started  Start your refinancing journey in just 5 minutes. Thinking about switching your home loan? Refinancing with ANZ could help you save on interest, simplify your repayments, and access helpful features like offset and redraw. With no ANZ set-up or ongoing fees disclaimer and less paperwork for eligible customers disclaimer , it’s easier than ever to get started. Why refinance to ANZ ? Looking for a better rate? See if we can help Contact our home loan specialists to see if you can get a better interest rate on your home loan by switching to ANZ.

Leave your details with us and we’ll call you back within 2 business days. Request a call back Or are you ready to apply? Start your online application and we’ll be in touch to help you complete the process. Interest rates and offers  Repayment calculator  Compare our home loans  How to refinance a home loan  Fixed vs variable: which loan might suit you?  Get support with refinancing to ANZ See our articles, tools and resources. Let's get started  2 year fixed rate Interest rate disclaimer disclaimer Comparison rate disclaimer Tooltip Discounted 2 year fixed rate when borrowing 80% or less of the property value disclaimer on owner occupied home loan with principal and interest repayments. Request a call back ANZ Fixed Rate home loan  Why choose ANZ? Say goodbye to extra fees disclaimer No home loan package, ANZ set up or ongoing fees when you get a new home loan or refinance to ANZ. Get property insights for free Our detailed property reports give you the latest sales, rental and suburb insights. Simple process for self-employed Streamlined income verification; only one year's tax return typically required for eligible self-employed. Already an ANZ home loan customer? Manage your home loan  Get help with your repayments  Connect with our home loan specialists or apply Our ANZ Home Loan Specialists can help you with a whole range of things, such as: Applying for a new home loan Refinancing a home loan Managing your existing loan Helping you understand your ANZ Home Loan options so you can make your next move with confidence Get support in a number of ways: Connect with our home loan specialists or apply Our ANZ Home Loan Specialists can help you with a whole range of things, such as: Applying for a new home loan Refinancing a home loan Managing your existing loan Helping you understand your ANZ Home Loan options so you can make your next move with confidence Get support in a number of ways: Let us come back to you Provide your details and one of our Home Loan Specialists will contact you via phone or email. Response time is 1-3 days. Request a call back Let us come back to you Provide your details and one of our Home Loan Specialists will contact you via phone or email. Response time is 1-3 days. Request a call back Make an appointment Chat with one of our home loan specialists by phone, video call or in person at your nearest branch. Book an appointment Make an appointment Chat with one of our home loan specialists by phone, video call or in person at your nearest branch. Book an appointment Call us now With extended hours, you can get in touch with someone quickly. Monday-Friday 8am-7pm (Sydney/Melbourne time) Saturdays 9am-5pm (Sydney/Melbourne time) Call 1800 100 641 With extended hours, you can get in touch with someone quickly. Monday-Friday 8am-7pm (Sydney/Melbourne time) Saturdays 9am-5pm (Sydney/Melbourne time) Call 1800 100 641 Meet with an ANZ Mobile Lender disclaimer ANZ Mobile Lenders will go the extra mile with the experience and knowledge to navigate all ANZ home loans. Enjoy the convenience of meeting wherever and whenever suits you best. ANZ Mobile Lenders are dedicated ANZ Home Loan Specialists who can provide personalised service where and when it suits you. Find your ANZ Mobile Lender Meet with an ANZ Mobile Lender disclaimer ANZ Mobile Lenders will go the extra mile with the experience and knowledge to navigate all ANZ home loans. Enjoy the convenience of meeting wherever and whenever suits you best. ANZ Mobile Lenders are dedicated ANZ Home Loan Specialists who can provide personalised service where and when it suits you. Find your ANZ Mobile Lender Start your application online Kick things off online and an ANZ Home Loan Specialist will contact you to help with the remainder of the application process. Apply online now Start your application online Kick things off online and an ANZ Home Loan Specialist will contact you to help with the remainder of the application process. Apply online now Talk to your broker You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs. Talk to your broker You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs. Common home loan questions How much could I borrow for a home loan? Use our borrowing power calculator to get a quick estimate on how much you may be able to borrow based on your current income and existing financial commitments. How much deposit do I need for a home loan? Most home loans can fund up to 85-95% of the value of your property, which means you’ll need a minimum of up to 5-15% as a home deposit. However, there may be benefits in saving a larger home deposit. For example, if you borrow more than a certain level (commonly 80% of the value of the property you’re using the loan to buy), you might have to pay lender’s mortgage insurance (LMI). This can add a sizeable amount to your overall costs. Generally, the more you have as a home deposit, the less you’ll need to borrow and the lower your monthly repayments. Find out how much you really need for a house deposit. If you already own a property, you might want to consider using the equity you’ve built up in that property to help with your deposit. Find out more about home loan deposits and get tips on how to save for a deposit. What is a mortgage? According to Moneysmart , a mortgage is a form of security (usually over real estate) that is used to secure repayment of a debt (usually a home loan). How to refinance a home loan? When you refinance a home loan, it means taking out a new home loan to replace your current home loan. Your current home loan is paid out by the new loan and you make repayments towards the new loan. Read more  What are LVR and LMI in home loans? LVR stands for ' Loan to Value Ratio ' and it's the amount you’re looking to borrow, calculated as a percentage of the value of the property you want to buy (as assessed by ANZ). For instance if you’re borrowing $400,000 to buy a $500,000 property, your LVR would be 80% (because $400,000 is 80% of $500,000). LVR is important because it may affect your borrowing power. Generally, the lower the LVR the better, as it carries less risk for the lender. If your LVR is above 80% (that is, you're looking to borrow more than 80% of the value of the property you want to buy), you may need to pay Lenders Mortgage Insurance (LMI). This insurance protects the lender - ANZ, not you - if you default on your home loan and there’s a shortfall following the sale of the property. Generally speaking the higher your LVR, the more LMI will cost. Learn more about ANZ LMI with our Key Fact Sheet (PDF) or read our article on Lenders Mortgage Insurance . *Property value is ANZ's valuation of the security property and may be different to the price you pay for a property. What is the difference between fixed and variable home loan? A fixed interest rate home loan is one where your interest rate is locked in (i.e. fixed) for a certain period, typically between one and ten years. During the time your interest rate is fixed, both your interest rate and your required repayments won’t change. Generally, at the end of the fixed term your loan will roll over to a variable rate, unless you choose to repeat the process (if eligible). A variable interest rate home loan, on the other hand, can change at any time. Lenders may increase or decrease the interest rate attached to the loan. The interest rate may change in response to decisions made by the Reserve Bank of Australia, as well as other factors. Your required minimum repayment amount will increase if interest rates go up, and decrease if interest rates fall. Read more  How do I apply for an ANZ home loan? There are many ways to apply for an ANZ home loan. You can visit an ANZ Branch, contact an ANZ Mobile Lender or ANZ accredited broker, or request a callback from one of our home loan specialists. And in under 5 minutes, you can also get your application started for pre-approval, a new home loan, refinancing, or topping up your existing home loan. Read more  What's the difference between principal and interest and interest only loans? If you choose interest only, the minimum payment amount on your loan will be lower during the interest only period because you are not required to repay any of the loan principal. You will have to repay the principal down the track and so you may end up paying more over the life of your loan. There may be additional restrictions on the amount you can borrow or loan type you can select if you choose to pay interest only. Choosing to repay principal and interest means that, with each repayment, you're paying off interest charges as well as some of the loan principal. Learn more about payment types . If you choose interest only, the minimum payment amount on your loan will be lower during the interest only period because you are not required to repay any of the loan principal. You will have to repay the principal down the track and so you may end up paying more over the life of your loan. There may be additional restrictions on the amount you can borrow or loan type you can select if you choose to pay interest only. Choosing to repay principal and interest means that, with each repayment, you're paying off interest charges as well as some of the loan principal. Learn more about payment types . What's the difference between fixed, variable and split rates? Fixed home loan rates mean the interest rates on your home loan are locked in for a set period. Rate changes will not affect you and your repayments will remain the same during the fixed rate term. Fixed rate home loans provide certainty and stability. However, you may be charged costs if you change any of the terms of the loan, for example, make additional repayments above a permitted limit. Variable home loan rates can change from time to time. This is great if interest rates go down but your budget would need to cover the possibility of rates going up as well. Variable rate home loans offer greater flexibility because you can make additional repayments and redraw , pay off your loan early or take advantage of an offset account . As both fixed and variable rate loans have pros and cons, split loans are a way to get the best of both worlds. For example, you could split a $400,000 loan 50/50, with half in an ANZ Fixed Loan and the other half in an ANZ Standard Variable Loan . You can split your loan into whatever ratio of fixed and variable suits you. Fixed home loan rates mean the interest rates on your home loan are locked in for a set period. Rate changes will not affect you and your repayments will remain the same during the fixed rate term. Fixed rate home loans provide certainty and stability. However, you may be charged costs if you change any of the terms of the loan, for example, make additional repayments above a permitted limit. Variable home loan rates can change from time to time. This is great if interest rates go down but your budget would need to cover the possibility of rates going up as well. Variable rate home loans offer greater flexibility because you can make additional repayments and redraw , pay off your loan early or take advantage of an offset account . As both fixed and variable rate loans have pros and cons, split loans are a way to get the best of both worlds. For example, you could split a $400,000 loan 50/50, with half in an ANZ Fixed Loan and the other half in an ANZ Standard Variable Loan . You can split your loan into whatever ratio of fixed and variable suits you. What is a comparison rate? A comparison rate is designed to help you work out the total cost of a home loan by building the known costs like up-front and ongoing fees into that rate. It doesn’t include things like government charges, redraw fees or fee waivers. You can use comparison rates to help you compare the cost of different home loans with similar features. When deciding which home loan is right for you, it’s important to think about what features each home loan offers, and how much these matter to you. Keep in mind that you may not necessarily pay the comparison rate that is advertised for your loan type. This is because, for example, you may not pay all the fees and charges which the comparison rate includes. A comparison rate is designed to help you work out the total cost of a home loan by building the known costs like up-front and ongoing fees into that rate. It doesn’t include things like government charges, redraw fees or fee waivers. You can use comparison rates to help you compare the cost of different home loans with similar features. When deciding which home loan is right for you, it’s important to think about what features each home loan offers, and how much these matter to you. Keep in mind that you may not necessarily pay the comparison rate that is advertised for your loan type. This is because, for example, you may not pay all the fees and charges which the comparison rate includes. Important information Interest rates shown on this page are current as at and are subject to change. 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 234527. Interest rates shown on this page are current as at and are subject to change. 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 234527. ANZ Buy Ready™ is a trade mark of ANZ. ANZ Buy Ready™ is a trade mark of ANZ. 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.