ANZ Home Loans

Whether you’re a first home buyer, buying your next home or want to switch to ANZ, we can help with our great rates.


How about these for great home loan rates?

1 year fixed-rate special*

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Know exactly how much your home loan repayments will be by fixing your rate for a set period.

See all fixed term home loan rates


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Allows you to be able to make extra repayments to pay off your home loan sooner.

Floating rate home loans


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Access to revolving credit when you need it and can reduce the overall amount of interest you'll pay.

Flexible home loans

*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 (our application fee is currently waived) apply. Interest rates and fees are subject to change. Read more about our Rates, fees and agreements.

You could win up to $100,000 off your home loan with ANZ

If you have an eligible ANZ Home Loan on 9 March 2022,  you’ll go in the draw to win up to $100,000 off the outstanding balance, to help pay off your home loan faster.

Plus, if you hold ANZ Asset Protector home insurance on 9 March 2022 you’ll also go in the draw to win one of five prizes of a $1,000 credit to go towards your insurance premiums.

Lending criteria, terms conditions and fees apply. Our application fee is currently waived. Win up to $100,000 prize draw terms and conditions and win credit towards your insurance premiums terms and conditions apply. 

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How we can help

There’s more to a home loan than just great rates. We’re here to help with practical tools and guides whether you’re looking to buy your next home or pay off your loan faster. We can even help to make your home healthy too.

Help to make your home healthy

We have a range of initiatives to help you live in a warm, dry, energy efficient home.

Home Buyer Handbook

A handbook to help you navigate the home buying journey from start to settlement. 

How to buy a home: the three steps

Sometimes the hardest part is knowing where to start. To help out, we set out the home-buying process in three, easy-to-follow steps.

Important information

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

First home buyer cash contribution: To be eligible for the $3,000 cash contribution you must be a first home buyer, ANZ will determine who is a first home buyer at our sole discretion. Our cash contribution offer is on the condition you stay an ANZ customer for at least 3 years, if you move your banking or lending to another financial institution within 3 years, we may ask you to immediately repay our cash contribution. The cash contribution will be paid on drawdown of your home loan.