ANZ Home Loans

ANZ offers a variety of mortgage products for its retail customers for those wishing to purchase a property either as an owner occupier or investor. Variable rate and fixed rate offerings can be fully featured loans or just simple without unneeded features. Fixed products offer fixed interest terms that can range from 1 to 10 years with a repayment term up to 30 years. Other offerings include lines of credit account over the property as well as equity loans for those wish to use equity in their homes as well as low doc loans, split loans and residential land loans.

ANZ Home Loan Interest Rates

Account Details	Rate APR	Updated
ANZ Standard Variable Loan Interest only for investment land loan	8.74% 8.61%	Apr, 2023
ANZ Standard Variable Loan Interest only for investment	8.74% 8.61%	Apr, 2023
ANZ Standard Variable Loan Principal and interest for investment land loan	8.49% 8.49%	Apr, 2023
ANZ Standard Variable Loan Principal and interest for investment	8.49% 8.49%	Apr, 2023
ANZ Standard Variable Loan Interest only owner occupier land loan	8.44% 8.14%	Apr, 2023
ANZ Standard Variable Loan Interest only owner occupier	8.44% 8.14%	Apr, 2023
ANZ Standard Variable Loan Principal and interest owner occupier land loan	7.89% 7.89%	Apr, 2023
ANZ Standard Variable Loan Principal and interest owner occupier	7.89% 7.89%	Apr, 2023
ANZ Standard Variable Loan Interest Only Investment LVR over 80	7.54% 7.40%	Apr, 2023
ANZ Fixed Loan Fixed for 10 years interest only investment >80 LVR	7.54% 7.47%	Apr, 2023
ANZ Fixed Loan Fixed for 7 years interest only investment >80 LVR	7.54% 7.43%	Apr, 2023
ANZ Fixed Loan Fixed for 10 years principal and interest investment >80 LVR	7.54% 7.48%	Apr, 2023
ANZ Fixed Loan Fixed for 7 years principal and interest investment >80 LVR	7.54% 7.44%	Apr, 2023
ANZ Fixed Loan Fixed for 10 years interest only owner occupier >80 LVR	7.54% 7.29%	Apr, 2023
ANZ Fixed Loan Fixed for 7 years interest only owner occupier >80 LVR	7.54% 7.17%	Apr, 2023
ANZ Fixed Loan Fixed for 10 years principal and interest owner occupier >80 LVR	7.54% 7.32%	Apr, 2023
ANZ Fixed Loan Fixed for 7 years principal and interest owner occupier >80 LVR	7.54% 7.19%	Apr, 2023
ANZ Fixed Loan Fixed for 10 years interest only investment <=80 LVR	7.49% 7.38%	Apr, 2023
ANZ Fixed Loan Fixed for 10 years principal and interest investment <=80 LVR	7.49% 7.39%	Apr, 2023
ANZ Fixed Loan Fixed for 7 years interest only investment <=80 LVR	7.49% 7.32%	Apr, 2023
ANZ Fixed Loan Fixed for 7 years principal and interest investment <=80 LVR	7.49% 7.33%	Apr, 2023
ANZ Fixed Loan Fixed for 10 years interest only owner occupier <=80 LVR	7.49% 7.20%	Apr, 2023
ANZ Fixed Loan Fixed for 10 years principal and interest owner occupier <=80 LVR	7.49% 7.23%	Apr, 2023
ANZ Fixed Loan Fixed for 7 years interest only owner occupier <=80 LVR	7.49% 7.05%	Apr, 2023
ANZ Fixed Loan Fixed for 7 years principal and interest owner occupier <=80 LVR	7.49% 7.07%	Apr, 2023
ANZ Simplicity PLUS Loan Interest only owner occupier	7.44% 7.33%	Apr, 2023
ANZ Standard Variable Loan Interest Only Investment LVR 80 and under	7.34% 7.20%	Apr, 2023
ANZ Fixed Loan Fixed for 10 years interest only in advance investment >80 LVR	7.34% 7.33%	Apr, 2023
ANZ Fixed Loan Fixed for 7 years interest only in advance investment >80 LVR	7.34% 7.32%	Apr, 2023
ANZ Standard Variable Loan Principal and Interest Investment LVR over 80	7.29% 7.29%	Apr, 2023
ANZ Fixed Loan Fixed for 10 years interest only in advance investment <=80 LVR	7.29% 7.23%	Apr, 2023
ANZ Fixed Loan Fixed for 7 years interest only in advance investment <=80 LVR	7.29% 7.21%	Apr, 2023
ANZ Standard Variable Loan Interest Only Owner Occupied LVR over 80	7.24% 6.93%	Apr, 2023
ANZ Simplicity PLUS Loan Principal and interest for investment	7.24% 7.24%	Apr, 2023
ANZ Simplicity PLUS Loan Principal and interest owner occupier	7.24% 7.24%	Apr, 2023
ANZ Simplicity PLUS Loan Interest only for investment borrowing more than 90 of the property value	7.23% 7.21%	Apr, 2023
ANZ Simplicity PLUS Loan Interest only for investment	7.23% 7.24%	Apr, 2023
ANZ Simplicity PLUS Loan Principal and interest for investment borrowing more than 90 of the property value	7.19% 7.19%	Apr, 2023
ANZ Standard Variable Loan Principal and Interest Investment LVR 80 and under	7.09% 7.09%	Apr, 2023
ANZ Standard Variable Loan Interest Only Owner Occupied LVR 80 and under	7.04% 6.73%	Apr, 2023
ANZ Simplicity PLUS Loan Interest only owner occupier borrowing less than or equal to 60 of the property value	6.98% 6.16%	Apr, 2023
ANZ Simplicity PLUS Loan Interest only owner occupier borrowing between 60.01 and 70 of the property value	6.98% 6.19%	Apr, 2023
ANZ Simplicity PLUS Loan Interest only owner occupier borrowing between 70.01 and 80 of the property value	6.98% 6.24%	Apr, 2023
ANZ Simplicity PLUS Loan Interest only owner occupier borrowing between 80.01 and 90 of the property value	6.88% 6.55%	Apr, 2023
ANZ Simplicity PLUS Loan Interest only owner occupier borrowing more than 90 of the property value	6.88% 6.78%	Apr, 2023
ANZ Simplicity PLUS Loan Interest only for investment borrowing between 80.01 and 90 of the property value	6.84% 6.76%	Apr, 2023
ANZ Fixed Loan Fixed for 5 years interest only owner occupier >80 LVR	6.84% 6.76%	Apr, 2023
ANZ Fixed Loan Fixed for 5 years interest only owner occupier <=80 LVR	6.79% 6.62%	Apr, 2023
ANZ Fixed Loan Fixed for 5 years interest only investment >80 LVR	6.74% 7.05%	Apr, 2023
ANZ Fixed Loan Fixed for 4 years interest only owner occupier >80 LVR	6.74% 6.71%	Apr, 2023
ANZ Standard Variable Loan Principal and Interest Owner Occupied LVR over 80	6.69% 6.69%	Apr, 2023
ANZ Simplicity PLUS Loan Principal and interest for investment borrowing between 80.01 and 90 of the property value	6.69% 6.69%	Apr, 2023
ANZ Simplicity PLUS Loan Principal and interest owner occupier borrowing more than 90 of the property value	6.69% 6.69%	Apr, 2023
ANZ Fixed Loan Fixed for 5 years interest only investment <=80 LVR	6.69% 6.92%	Apr, 2023
ANZ Fixed Loan Fixed for 4 years interest only owner occupier <=80 LVR	6.69% 6.57%	Apr, 2023
ANZ Fixed Loan Fixed for 4 years interest only investment >80 LVR	6.64% 7.06%	Apr, 2023
ANZ Fixed Loan Fixed for 5 years principal and interest investment >80 LVR	6.64% 7.00%	Apr, 2023
ANZ Fixed Loan Fixed for 5 years principal and interest investment <=80 LVR	6.59% 6.87%	Apr, 2023
ANZ Fixed Loan Fixed for 4 years interest only investment <=80 LVR	6.59% 6.91%	Apr, 2023
ANZ Fixed Loan Fixed for 4 years principal and interest investment >80 LVR	6.54% 7.01%	Apr, 2023
ANZ Fixed Loan Fixed for 5 years interest only in advance investment >80 LVR	6.54% 6.97%	Apr, 2023
ANZ Standard Variable Loan Principal and Interest Owner Occupied LVR 80 and under - Discounted Rate	6.49% 6.49%	Apr, 2023
ANZ Fixed Loan Fixed for 5 years interest only in advance investment <=80 LVR	6.49% 6.84%	Apr, 2023
ANZ Fixed Loan Fixed for 4 years principal and interest investment <=80 LVR	6.49% 6.87%	Apr, 2023
ANZ Fixed Loan Fixed for 4 years interest only in advance investment >80 LVR	6.44% 6.99%	Apr, 2023
ANZ Fixed Loan Fixed for 5 years principal and interest owner occupier >80 LVR	6.44% 6.58%	Apr, 2023
ANZ Fixed Loan Fixed for 4 years interest only in advance investment <=80 LVR	6.39% 6.84%	Apr, 2023
ANZ Fixed Loan Fixed for 5 years principal and interest owner occupier <=80 LVR	6.39% 6.45%	Apr, 2023
ANZ Fixed Loan Fixed for 4 years principal and interest owner occupier >80 LVR	6.34% 6.57%	Apr, 2023
ANZ Simplicity PLUS Loan Principal and interest owner occupier borrowing between 80.01 and 90 of the property value	6.29% 6.29%	Apr, 2023
ANZ Fixed Loan Fixed for 4 years principal and interest owner occupier <=80 LVR	6.29% 6.42%	Apr, 2023
ANZ Simplicity PLUS Loan Interest only for investment borrowing between 70.01 and 80 of the property value	6.24% 6.04%	Apr, 2023
ANZ Fixed Loan Fixed for 2 years interest only investment >80 LVR	6.24% 7.08%	Apr, 2023
ANZ Fixed Loan Fixed for 1 year interest only investment >80 LVR	6.24% 7.18%	Apr, 2023
ANZ Fixed Loan Fixed for 2 years interest only investment <=80 LVR	6.19% 6.91%	Apr, 2023
ANZ Fixed Loan Fixed for 1 year interest only investment <=80 LVR	6.19% 7.00%	Apr, 2023
ANZ Simplicity PLUS Loan Interest only for investment borrowing between 60.01 and 70 of the property value	6.14% 5.94%	Apr, 2023
ANZ Fixed Loan Fixed for 2 years principal and interest investment >80 LVR	6.14% 7.06%	Apr, 2023
ANZ Fixed Loan Fixed for 1 year principal and interest investment >80 LVR	6.14% 7.17%	Apr, 2023
ANZ Fixed Loan Fixed for 2 years interest only owner occupier >80 LVR	6.14% 6.59%	Apr, 2023
ANZ Fixed Loan Fixed for 1 year interest only owner occupier >80 LVR	6.14% 6.64%	Apr, 2023
ANZ Simplicity PLUS Loan Interest only for investment borrowing less than or equal to 60 of the property value	6.09% 5.89%	Apr, 2023
ANZ Fixed Loan Fixed for 2 years principal and interest investment <=80 LVR	6.09% 6.89%	Apr, 2023
ANZ Fixed Loan Fixed for 1 year principal and interest investment <=80 LVR	6.09% 6.99%	Apr, 2023
ANZ Fixed Loan Fixed for 2 years interest only owner occupier <=80 LVR	6.09% 6.42%	Apr, 2023
ANZ Fixed Loan Fixed for 1 year interest only owner occupier <=80 LVR	6.09% 6.45%	Apr, 2023
ANZ Fixed Loan Fixed for 2 years interest only in advance investment >80 LVR	6.04% 7.04%	Apr, 2023
ANZ Fixed Loan Fixed for 1 year interest only in advance investment >80 LVR	6.04% 7.16%	Apr, 2023
ANZ Fixed Loan Fixed for 2 years principal and interest owner occupier >80 LVR	6.04% 6.56%	Apr, 2023
ANZ Fixed Loan Fixed for 1 year principal and interest owner occupier >80 LVR	6.04% 6.63%	Apr, 2023
ANZ Fixed Loan Fixed for 2 years interest only in advance investment <=80 LVR	5.99% 6.88%	Apr, 2023
ANZ Fixed Loan Fixed for 1 year interest only in advance investment <=80 LVR	5.99% 6.98%	Apr, 2023
ANZ Fixed Loan Fixed for 2 years principal and interest owner occupier <=80 LVR	5.99% 6.40%	Apr, 2023
ANZ Fixed Loan Fixed for 1 year principal and interest owner occupier <=80 LVR	5.99% 6.44%	Apr, 2023
ANZ Simplicity PLUS Loan Principal and interest for investment borrowing between 70.01 and 80 of the property value	5.89% 5.90%	Apr, 2023
ANZ Fixed Loan Fixed for 3 years interest only investment >80 LVR	5.84% 6.88%	Apr, 2023
ANZ Simplicity PLUS Loan Principal and interest for investment borrowing between 60.01 and 70 of the property value	5.79% 5.80%	Apr, 2023
ANZ Fixed Loan Fixed for 3 years interest only investment <=80 LVR	5.79% 6.73%	Apr, 2023
ANZ Simplicity PLUS Loan Principal and interest for investment borrowing less than or equal to 60 of the property value	5.74% 5.75%	Apr, 2023
ANZ Fixed Loan Fixed for 3 years principal and interest investment >80 LVR	5.74% 6.85%	Apr, 2023
ANZ Fixed Loan Fixed for 3 years interest only owner occupier >80 LVR	5.74% 6.43%	Apr, 2023
ANZ Simplicity PLUS Loan Principal and interest owner occupier borrowing between 70.01 and 80 of the property value	5.69% 5.70%	Apr, 2023
ANZ Fixed Loan Fixed for 3 years principal and interest investment <=80 LVR	5.69% 6.69%	Apr, 2023
ANZ Fixed Loan Fixed for 3 years interest only owner occupier <=80 LVR	5.69% 6.27%	Apr, 2023
ANZ Fixed Loan Fixed for 3 years interest only in advance investment >80 LVR	5.64% 6.83%	Apr, 2023
ANZ Simplicity PLUS Loan Principal and interest owner occupier borrowing between 60.01 and 70 of the property value	5.59% 5.60%	Apr, 2023
ANZ Fixed Loan Fixed for 3 years interest only in advance investment <=80 LVR	5.59% 6.67%	Apr, 2023
ANZ Simplicity PLUS Loan Principal and interest owner occupier borrowing less than or equal to 60 of the property value	5.54% 5.55%	Apr, 2023
ANZ Fixed Loan Fixed for 3 years principal and interest owner occupier >80 LVR	5.54% 6.37%	Apr, 2023
ANZ Fixed Loan Fixed for 3 years principal and interest owner occupier <=80 LVR	5.49% 6.21%	Apr, 2023

ANZ Discussion

Q: Looking for the branch that is BSB 016341

Reply • Steve from Padbury, Australia •
Q: a friend of mine has over 100 thousand dollars,what is there best option to invest. alternatively what charges are involved in obtaining a safety deposit box.

Reply • elizabeth from Brisbane, Australia •
Q: Address of you branch in the Sunshine Plaza Maroochydore

Reply • Christo from Townsville, Australia •
Q: what ois the best term or bank deposit rate currently pon offer for a larger deposit

Reply • Kevin DeCean from Australia •
Q: Is that intrest rate per month or daily

Reply • Thomas from Pantai, Malaysia •
Q: Do anz shareholders have to pay for bank cheques to be issued?

Reply • alex from Yarralumla, Australia •

ANZ Discussion Activity

Deposits
Q: What is an advanced notice term deposit and how does this differ from a standard term deposit?

Reply • Helen from Nundah, Australia •
Savings
Q: What is the interest rate on saving account? I am an international student (from Egypt) and planning to move to NZ for further studies. If for example I transfer 50,000 NZ dollars, what is the monthly return? Will my savings be taxed or the interest rate be taxed?

Reply • Khaled from Abu Dhabi, United Arab Emirates •
- Savings
Q: Are there any fees associated with your cash management account

Reply • Jim Biss from Applecross, Australia •
- Savings
Q: Are there any fees associated with your cash management account

Reply • Jim Biss from Applecross, Australia •