ANZ · Fixed · Updated September 2026

ANZ Fixed Home Loan Rates, September 2026

ANZ lists 19 fixed home loans in the Ratesniffers index today. The lowest is 6.44% p.a. on a 1-year fixed term, on 1 Year Fixed <80% LVR Investment IO. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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ANZ fixed home loan rates, September 2026

Lowest ANZ fixed rate by term: 1-year 6.44% p.a., 2-year 6.54% p.a., 3-year 6.69% p.a., 4-year 6.79% p.a., 5-year 6.74% p.a., 7-year 7.24% p.a., 10-year 7.24% p.a..

ANZ1 Year Fixed <80% LVR Investment IO

1y FixedOffset

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR ≤80%

Enquire

ANZ2 Year Fixed <80% LVR Investment IO

2y Fixed

Interest

6.54%p.a.

Comparison*

Not available

Est. repayment

$3,174

LVR ≤80%

Enquire

ANZ3 Year Fixed <80% LVR Investment IO

3y Fixed

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR ≤80%

Enquire

ANZ2 Year Fixed <80% LVR Owner Occupied IO

2y Fixed

Interest

6.74%p.a.

Comparison*

Not available

Est. repayment

$3,240

LVR ≤80%

Enquire

ANZ5 Year Fixed <80% LVR Investment IO

5y Fixed

Interest

6.74%p.a.

Comparison*

Not available

Est. repayment

$3,240

LVR ≤80%

Enquire

ANZ4 Year Fixed <80% LVR Investment IO

4y Fixed

Interest

6.79%p.a.

Comparison*

Not available

Est. repayment

$3,256

LVR ≤80%

Enquire

ANZ1 Year Fixed <80% LVR Owner Occupied IO

1y FixedOffset

Interest

6.84%p.a.

Comparison*

Not available

Est. repayment

$3,273

LVR ≤80%

Enquire

ANZ1 Year Fixed >80% LVR Investment IO

1y FixedOffset

Interest

6.89%p.a.

Comparison*

Not available

Est. repayment

$3,290

LVR 80 to 95%

Enquire

ANZ3 Year Fixed <80% LVR Owner Occupied IO

3y Fixed

Interest

6.94%p.a.

Comparison*

Not available

Est. repayment

$3,306

LVR ≤80%

Enquire

ANZ2 Year Fixed >80% LVR Investment IO

2y Fixed

Interest

6.99%p.a.

Comparison*

Not available

Est. repayment

$3,323

LVR 80 to 95%

Enquire

ANZ4 Year Fixed <80% LVR Owner Occupied IO

4y Fixed

Interest

6.99%p.a.

Comparison*

Not available

Est. repayment

$3,323

LVR ≤80%

Enquire

ANZ5 Year Fixed <80% LVR Owner Occupied IO

5y Fixed

Interest

6.99%p.a.

Comparison*

Not available

Est. repayment

$3,323

LVR ≤80%

Enquire

ANZ3 Year Fixed >80% LVR Investment IO

3y Fixed

Interest

7.14%p.a.

Comparison*

Not available

Est. repayment

$3,374

LVR 80 to 95%

Enquire

ANZ5 Year Fixed >80% LVR Investment IO

5y Fixed

Interest

7.19%p.a.

Comparison*

Not available

Est. repayment

$3,391

LVR 80 to 95%

Enquire

ANZ10 Year Fixed <80% LVR Investment IO

10y Fixed

Interest

7.24%p.a.

Comparison*

Not available

Est. repayment

$3,407

LVR ≤80%

Enquire

ANZ4 Year Fixed >80% LVR Investment IO

4y Fixed

Interest

7.24%p.a.

Comparison*

Not available

Est. repayment

$3,407

LVR 80 to 95%

Enquire

ANZ7 Year Fixed <80% LVR Investment IO

7y Fixed

Interest

7.24%p.a.

Comparison*

Not available

Est. repayment

$3,407

LVR ≤80%

Enquire

ANZ10 Year Fixed >80% LVR Investment IO

10y Fixed

Interest

7.69%p.a.

Comparison*

Not available

Est. repayment

$3,561

LVR 80 to 90%

Enquire

ANZ7 Year Fixed >80% LVR Investment IO

7y Fixed

Interest

7.69%p.a.

Comparison*

Not available

Est. repayment

$3,561

LVR 80 to 90%

Enquire

*Important Information and Comparison Rate Warning

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.

The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.

ANZ · Fixed

ANZ fixed home loans, what to weigh

Fixed rates lock in certainty for the term but cap flexibility, extra repayments usually capped, break costs apply on exit. Compare break-cost mechanics alongside headline rate. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every fixed option has the same price.