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ANZ Home Loan Rates

Active products
35
Lowest variable
6.01%
Lowest fixed
6.29%
Lowest comparison
6.05%
Last updated
28 July 2026

ANZ is one of Australia's Big Four banks, headquartered in Melbourne since 1835 and operating across Australia, New Zealand and Asia. Its home-loan range covers Simplicity PLUS (no-frills variable), Standard Variable, and Fixed products; the Breakfree Package adds offset, redraw and waived fees on eligible loans. ANZ Plus is the bank's mobile-first sub-brand for digital-native borrowers.

What is the lowest ANZ home loan rate?

The lowest ANZ variable home loan rate Ratesniffers tracks is 6.01% p.a., and the lowest fixed rate is 6.29% p.a. These figures come from the 34 ANZ products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).

How many home loan products does ANZ offer?

Ratesniffers currently tracks 34 ANZ home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.

ANZ home loan rates at a glance

Product typeRateComparison rateMax LVR
Variable Owner-occupier P&I6.01% p.a.6.05% p.a.100%
Variable Owner-occupier P&I6.01% p.a.6.05% p.a.100%
Variable Investor P&I6.20% p.a.6.24% p.a.100%
Variable Investor P&I6.20% p.a.6.24% p.a.100%
Fixed 2-year Owner-occupier P&I6.29% p.a.6.33% p.a.100%
Variable Investor interest-only6.30% p.a.6.34% p.a.100%
Variable Investor interest-only6.30% p.a.6.34% p.a.100%
Fixed 1-year Owner-occupier P&I6.34% p.a.6.38% p.a.100%
Fixed 2-year Investor P&I6.39% p.a.6.43% p.a.100%
Fixed 1-year Investor interest-only6.44% p.a.6.48% p.a.100%
Fixed 3-year Owner-occupier P&I6.49% p.a.6.53% p.a.100%
Fixed 1-year Investor P&I6.49% p.a.6.53% p.a.100%

34 ANZ home loan products

ANZ logo
ANZ Simplicity PLUS
Owner-occupierVariableP&IRedrawExtra repayments$3,000 cashback
Interest
6.01%p.a.
Comparison*
6.05%p.a.
Monthly repayment
$3,001
LVR 70–80%
More details
ANZ logo
ANZ Simplicity PLUS
InvestorVariableP&IRedrawExtra repayments$3,000 cashback
Interest
6.20%p.a.
Comparison*
6.24%p.a.
Monthly repayment
$3,062
LVR 70–80%
More details
ANZ logo
ANZ Simplicity PLUS
InvestorVariableInterest onlyRedrawExtra repayments$3,000 cashback
Interest
6.30%p.a.
Comparison*
6.34%p.a.
Monthly repayment
$3,095
LVR 70–80%
More details
ANZ logo
ANZ Simplicity PLUS
Owner-occupierVariableInterest onlyRedrawExtra repayments$3,000 cashback
Interest
6.70%p.a.
Comparison*
6.74%p.a.
Monthly repayment
$3,226
LVR 70–80%
More details
ANZ logo
ANZ Fixed Rate home loan
Owner-occupier2y FixedInterest onlyOffsetRedrawExtra repayments$3,000 cashback
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR ≤80%
More details
ANZ logo
ANZ Fixed Rate home loan
Owner-occupier1y FixedInterest onlyOffsetRedrawExtra repayments$3,000 cashback
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR ≤80%
More details
ANZ logo
ANZ Fixed Rate home loan
Owner-occupier3y FixedInterest onlyOffsetRedrawExtra repayments$3,000 cashback
Interest
6.94%p.a.
Comparison*
6.98%p.a.
Monthly repayment
$3,306
LVR ≤80%
More details
ANZ logo
ANZ Fixed Rate home loan
Owner-occupier4y FixedInterest onlyOffsetRedrawExtra repayments$3,000 cashback
Interest
6.99%p.a.
Comparison*
7.03%p.a.
Monthly repayment
$3,323
LVR ≤80%
More details
ANZ logo
ANZ Fixed Rate home loan
Owner-occupier5y FixedInterest onlyOffsetRedrawExtra repayments$3,000 cashback
Interest
6.99%p.a.
Comparison*
7.03%p.a.
Monthly repayment
$3,323
LVR ≤80%
More details
ANZ logo
ANZ Fixed Rate home loan
Owner-occupier7y FixedP&IOffsetRedrawExtra repayments$3,000 cashback
Interest
7.24%p.a.
54d ago
Comparison*
7.24%p.a.
Monthly repayment
$3,407
LVR ≤80%
More details
ANZ logo
ANZ Fixed Rate home loan
Owner-occupier10y FixedP&IOffsetRedrawExtra repayments$3,000 cashback
Interest
7.24%p.a.
54d ago
Comparison*
7.24%p.a.
Monthly repayment
$3,407
LVR ≤80%
More details
ANZ logo
ANZ Fixed Rate home loan
Investor10y FixedInterest onlyOffsetRedrawExtra repayments$3,000 cashback
Interest
7.04%p.a.
54d ago
Comparison*
7.28%p.a.
Monthly repayment
$3,340
LVR ≤80%
More details
ANZ logo
ANZ Fixed Rate home loan
Investor7y FixedInterest onlyOffsetRedrawExtra repayments$3,000 cashback
Interest
7.04%p.a.
54d ago
Comparison*
7.39%p.a.
Monthly repayment
$3,340
LVR ≤80%
More details

Negotiate ANZ rates with a broker

Advertised rates aren't always the rate ANZ actually approves. Our broker negotiates against your specific scenario, no fee.

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Who is ANZ?

ANZ traces its history to the Bank of Australasia, which opened its first Australian branch in Sydney in 1835, and took its current form in October 1970 when the Australia and New Zealand Bank merged with the English, Scottish and Australian Bank, then the largest bank merger in Australian history. Headquartered in Melbourne, it is one of the big four alongside Commonwealth Bank, Westpac and NAB, with a banking footprint that also extends across New Zealand, Asia and the Pacific.

In July 2024 ANZ completed its acquisition of Suncorp Bank, bringing Suncorp Bank's Queensland-heavy customer base and branch network into the ANZ group while running the two brands in parallel. As a condition of the sale, the Federal Treasurer required no net job losses and no regional branch closures across either brand for three years from approval, commitments ANZ has reaffirmed through 2026 with actions such as fast-tracking a regional Queensland branch reopening.

Who suits a ANZ home loan?

ANZ tends to suit borrowers who want big-four scale and an international banking footprint, and since 2024 its group also includes Suncorp Bank, so it is worth comparing rates across both brands if you already bank with either one. Its headline rates don't always lead the market though, so compare its comparison rate against the sharpest in the table above before assuming size means the best price.

Background facts checked 17 July 2026. Rates above refresh independently.

ANZ home loans: frequently asked questions

What is the lowest ANZ home loan rate?

ANZ's lowest variable home loan rate is currently 6.01% p.a., and its lowest fixed rate is 6.29% p.a., based on the 34 ANZ products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate ANZ approves, a broker can often negotiate a sharper deal on your scenario.

How does ANZ's home loan rate compare to the market?

ANZ's lowest variable home loan rate today is 6.01% p.a., which is 8 basis points below the market median of 6.09% p.a., which puts ANZ among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where ANZ sits right now rather than a fixed snapshot.

How many home loan products does ANZ offer?

Ratesniffers currently tracks 35 ANZ home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 34 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.

Is ANZ competitive for refinancing?

It depends on your loan size and LVR. ANZ's lowest comparison rate is currently 6.05% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing ANZ against the sharpest available rate usually pays off.

How often are ANZ's home loan rates updated?

Ratesniffers refreshes ANZ's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever ANZ reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.

ANZ rates by borrower and loan type

The same ANZ panel, filtered to the scenario you're actually shopping for.

Compare home loans across the market by purpose

The whole visible panel, sliced by what borrowers actually search for.

Research ANZ

Our independent review, and how they stack up head to head.

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Mortgage guides and market context

Plain-English explainers, plus where rates sit across the market today.