Fixed Rate Home Loan

Certainty of repayments
An ANZ Fixed Rate Home Loan allows you to budget with confidence and protects you from interest rate rises during the fixed term.
Features Benefits
Loan type Fixed for 6 or 18 months or 1-5 yrs
Maximum loan term 30yrs
Maximum loan (% property value) Up to 90% 1,2
Repayment frequency Weekly, Fortnightly, Monthly
Increased repayments Up to 5% of your loan balance per annum 3
Extra lump sum payments Up to 5% of your loan balance per annum 3
Loan top-ups Yes (as separate loan)
Interest only option Conditions apply and subject to approval.
- Available for up to 2 years for lending on owner occupied property.
- Available for up to 5 years for lending on residential investment property.
Monthly fees Nil
Approval fee Up to $500 for owner occupied property. Up to 1% of the loan amount for all other lending.
Available in conjunction with any ANZ Home Loans Yes


1 The maximum amount you can borrow depends on the property's location, the property type, the home loan type and other ANZ lending criteria.

2 A low equity premium may apply where a loan amounts to over 80% of the property's value. A registered valuer's report will also be required for lending over 80% of the property's value.

3 You may be charged an Early Repayment Recovery if you choose to make extra payments above this threshold or repay your fixed rate home loan early.

ANZ lending criteria, terms, conditions and fees apply to all loans. Interest Rates are subject to change.

View all ANZ Rates Fees and Agreements on the full website or in any branch.


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