Home loan rates, fees and agreements


Rates

The following information is current from 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 + 5.00% p.a.

* Special interest rate conditions
Minimum 20% equity, ANZ transaction account with salary direct credited plus one other product. Not available with package discounts. Otherwise, standard rate applies.

 

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

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

This rate does not apply to older home loan products that ANZ no longer offers, including ANZ Select or ANZ Select Plus. If you rate isn't listed above, please contact ANZ for more 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 + 5.00% 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 + 5.00% p.a.

If you go over your credit limit, we can charge you interest on those amounts at the excess interest rate, which is the ANZ Flexible Home Loan interest rate plus 15.00% p.a. We can charge this interest rate on any amount over your credit limit for this facility. A low equity premium may apply.

Type Term Rate
Tideover rate Fixed for up to
6 months
loading product data(View current rates)

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 + 5.00% p.a.

Type Term Rate
Warmer Home Insulation loan rate Fixed for up to
4 years
0% p.a.

This offer is available for a limited time only. ANZ’s lending criteria, terms, conditions, and fees apply
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 + 5.00% p.a.

 


Minimum extra or early repayment amounts

ANZ Home Loan with a floating rate  

Requested in Minimum extra or early repayment amount
Internet Banking or goMoney app $100*
Staff assisted (including Contact Centre and Branch) $100 or the remaining loan balance, if lower

 

ANZ Home Loan with a fixed rate during a fixed-rate period

You may also have to pay us an Early Repayment Recovery if you’re repaying some or all of your loan early during a fixed-rate period.

Requested in Minimum extra or early repayment amount
Internet Banking or goMoney app $1,000*
Staff assisted (including Contact Centre and Branch) $1,000
or the remaining loan balance, if lower

*You can repay your loan in full at any time. Please call us on 0800 269 4663 or visit any branch to arrange full repayment.

Fees

The following information is current as at 1 October 2018 and subject to change.

Loan application fee
Loan top up fee
Low Equity Premium (LEP)
ANZ Flexible Home Loan Fees
ANZ Fixed Rate Home Loan Fees
Early Repayment Recovery for ANZ Fixed Rate Home Loans
Security and other fees
Duplicate Statement fee
ANZ lending criteria, terms, conditions and fees apply to all loans.

Agreements

Effective 6 June 2015
Effective 6 June 2015

 

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