ANZ Home Loan Interest Rates

We offer some of the most competitive home loan interest rates in the market. Here you’ll find our latest:

  • Fixed rates (the interest rate stays the same for the length of the fixed rate period)

  • Floating rates (the interest rate can go up or down in line with changes in the market.)

  • Flexible rates (the interest rate can go up or down in line with changes in the market)

The following information is current as at loading product data(View current rates) and is subject to change. You should seek confirmation of interest rates from ANZ before you take out any home loan.

ANZ Lending criteria, terms, conditions and fees apply. Interest rates are subject to change.

Interest Rates
Type Term Special interest rate * Standard interest rate
Fixed rates 6 months loading product data(View current rates) * loading product data(View current rates)
  1 year loading product data(View current rates) * loading product data(View current rates)
  18 months loading product data(View current rates) * loading product data(View current rates)
  2 years loading product data(View current rates) * loading product data(View current rates)
  3 years loading product data(View current rates) * loading product data(View current rates)
  4 years loading product data(View current rates) * loading product data(View current rates)
  5 years loading product data(View current rates) * loading product data(View current rates)

The above rates may be in the process of changing and thus may vary for existing customers.

If you do not pay amounts when they are due, we can charge you interest on those amounts at the default interest rate, which is your interest rate + 5% p.a.

* Special interest rate conditions
Minimum 20% equity, ANZ transaction account with salary direct credited plus any ANZ Credit Card or Insurance. Not available with package discounts. Otherwise, standard rate applies.

Type Term Rate
Floating rate N/A loading product data(View current rates)

Rate does not apply to package discounts including ANZ Select and ANZ Select Plus. This is not a full list of rates, if your rate is not listed above please contact ANZ.

If you do not pay amounts when they are due, we can charge you interest on those amounts at the default interest rate, which is your interest rate + 5% p.a.

Type Term Rate
Flexible rate N/A loading product data(View current rates)

Rate may differ for existing ANZ customers. Please contact any branch of ANZ for further information.

If you do not pay amounts when they are due, we can charge you interest on those amounts at the default interest rate, which is your interest rate + 5% p.a.

If you go over your credit limit, we can charge you interest on those amounts at the excess interest rate, which is your interest rate + 15% p.a.. A low equity premium may apply.

 

A low equity premium may apply.