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Get your home loan out the door

See how we could help you pay off your loan faster

Learn how

Lending criteria, terms, conditions, and fees apply.

Home Loans

Whether you’re looking to buy your first home, your next home or pay off your loan faster we can help with practical tools and guides and great rates.

1 year fixed rate special*

All fixed term home loan rates 

2 year fixed rate special*

All fixed term home loan rates 

*Special interest rate requires minimum 20% equity and an ANZ transaction account with salary direct credited, otherwise standard rate applies. Not available with package discounts.

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

How we can help with financial wellbeing

Financial wellbeing starts with knowing your score

Realising your longer term financial goals requires understanding where you’re at right now. Ready to see how you're doing?

Get your savings off the ground

Set yourself a plan because sure and steady wins the savings race. Find out how to create your savings goals.

Pay off your home loan faster

It's all about small changes, like how you structure your loan, or how you repay it, it all adds up. See how ANZ and our Home Loan Coaches can help.

Do more with ANZ

Personalise your ANZ Visa Debit card

Choose from your favourite selfie, a photo of your pet or choose from one of our gallery imagesdisclaimer to create a personalised ANZ MyPhoto Visa Debit carddisclaimer. It's easy and fun to create.


Upgrade to an ANZ MyPhoto card 

You must be 13 years or over to apply for an ANZ Visa Debit card.

How we make banking easier

We have lots of ways for you to manage your money anytime, anywhere, with the ANZ goMoney mobile app, Internet Banking and Automated Phone Bankingdisclaimer.

Whether that's checking your balance, moving money between accounts or making payments, you can do your banking where and when it's convenient for you.

Ways to bank with ANZ 

This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296, or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see

There are some restrictions around which image you may upload if you don't choose one of our gallery images. See our full Image Criteria.


Your existing EFTPOS card will be replaced with an ANZ MyPhoto Visa Debit card. The Visa Debit annual card fee will be waived if the card is linked to an ANZ Freedom or ANZ Jumpstart account. It will also be waived for the first 12 months for a new card linked to an ANZ Go account (after 12 months you will be charged an annual card fee of $10). For all other accounts you will be charged an annual card fee of $10.


Eligibility criteria and terms and conditions apply to ANZ Internet Banking, ANZ goMoney, ANZ Phone Banking and Pay to Mobile. See our Electronic Banking Conditions (PDF 129KB) for more information.