ANZ · Refinance · Updated November 2026

ANZ Refinance Home Loans, November 2026

ANZ lists 24 refinance home loans in the Ratesniffers index today. The lowest is 6.64% p.a. (comparison rate 6.64% p.a.), on Simplicity Plus <60% LVR Owner Occupied P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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ANZ refinance home loan rates, November 2026

ANZSimplicity Plus <60% LVR Owner Occupied P&I

VariableRedraw

Interest

6.64%p.a.

Comparison*

6.64%p.a.

Est. repayment

$3,207

LVR ≤60%

Enquire

ANZSimplicity Plus 60% - 70% LVR Owner Occupied P&I

VariableRedraw

Interest

6.69%p.a.

Comparison*

6.69%p.a.

Est. repayment

$3,223

LVR 60 to 70%

Enquire

ANZSimplicity Plus 70% - 80% LVR Owner Occupied P&I

VariableRedraw

Interest

6.79%p.a.

Comparison*

6.79%p.a.

Est. repayment

$3,256

LVR 70 to 80%

Enquire

ANZ2 Year Fixed <80% LVR Owner Occupied IO

2y Fixed

Interest

6.94%p.a.

Comparison*

Not available

Est. interest only / month

$2,892

LVR ≤80%

Based on a $500,000 balance

Enquire

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

ANZ1 Year Fixed <80% LVR Owner Occupied IO

1y FixedOffset

Interest

6.99%p.a.

Comparison*

Not available

Est. interest only / month

$2,913

LVR ≤80%

Based on a $500,000 balance

Enquire

ANZ3 Year Fixed <80% LVR Owner Occupied IO

3y Fixed

Interest

7.09%p.a.

Comparison*

Not available

Est. interest only / month

$2,954

LVR ≤80%

Based on a $500,000 balance

Enquire

ANZ4 Year Fixed <80% LVR Owner Occupied IO

4y Fixed

Interest

7.09%p.a.

Comparison*

Not available

Est. interest only / month

$2,954

LVR ≤80%

Based on a $500,000 balance

Enquire

ANZ5 Year Fixed <80% LVR Owner Occupied IO

5y Fixed

Interest

7.09%p.a.

Comparison*

Not available

Est. interest only / month

$2,954

LVR ≤80%

Based on a $500,000 balance

Enquire

ANZ5 Year Fixed <80% LVR Owner Occupied P&I

5y Fixed

Interest

6.94%p.a.

Comparison*

7.24%p.a.

Est. repayment

$3,306

LVR ≤80%

Enquire

ANZ4 Year Fixed <80% LVR Owner Occupied P&I

4y Fixed

Interest

6.89%p.a.

Comparison*

7.26%p.a.

Est. repayment

$3,290

LVR ≤80%

Enquire

ANZ3 Year Fixed <80% LVR Owner Occupied P&I

3y Fixed

Interest

6.89%p.a.

Comparison*

7.31%p.a.

Est. repayment

$3,290

LVR ≤80%

Enquire

ANZ10 Year Fixed <80% LVR Owner Occupied P&I

10y Fixed

Interest

7.24%p.a.

Comparison*

7.31%p.a.

Est. repayment

$3,407

LVR ≤80%

Enquire

ANZ2 Year Fixed <80% LVR Owner Occupied P&I

2y Fixed

Interest

6.74%p.a.

Comparison*

7.34%p.a.

Est. repayment

$3,240

LVR ≤80%

Enquire

ANZ7 Year Fixed <80% LVR Owner Occupied P&I

7y Fixed

Interest

7.24%p.a.

Comparison*

7.34%p.a.

Est. repayment

$3,407

LVR ≤80%

Enquire

ANZSimplicity Plus 80% - 90% LVR Owner Occupied P&I

VariableRedraw

Interest

7.34%p.a.

Comparison*

7.34%p.a.

Est. repayment

$3,441

LVR 80 to 90%

Enquire

ANZ1 Year Fixed <80% LVR Owner Occupied P&I

1y FixedOffset

Interest

6.69%p.a.

Comparison*

7.51%p.a.

Est. repayment

$3,223

LVR ≤80%

Enquire

ANZ5 Year Fixed >80% LVR Owner Occupied P&I

5y Fixed

Interest

7.39%p.a.

Comparison*

7.55%p.a.

Est. repayment

$3,458

LVR 80 to 95%

Enquire

ANZ4 Year Fixed >80% LVR Owner Occupied P&I

4y Fixed

Interest

7.34%p.a.

Comparison*

7.56%p.a.

Est. repayment

$3,441

LVR 80 to 95%

Enquire

ANZ2 Year Fixed >80% LVR Owner Occupied P&I

2y Fixed

Interest

7.19%p.a.

Comparison*

7.59%p.a.

Est. repayment

$3,391

LVR 80 to 95%

Enquire

ANZ3 Year Fixed >80% LVR Owner Occupied P&I

3y Fixed

Interest

7.34%p.a.

Comparison*

7.59%p.a.

Est. repayment

$3,441

LVR 80 to 95%

Enquire

ANZStandard Variable Loan <80% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

7.49%p.a.

Comparison*

7.59%p.a.

Est. repayment

$3,493

LVR ≤80%

Enquire

ANZ10 Year Fixed >80% LVR Owner Occupied P&I

10y Fixed

Interest

7.69%p.a.

Comparison*

7.69%p.a.

Est. repayment

$3,561

LVR 80 to 95%

Enquire

ANZ7 Year Fixed >80% LVR Owner Occupied P&I

7y Fixed

Interest

7.69%p.a.

Comparison*

7.69%p.a.

Est. repayment

$3,561

LVR 80 to 95%

Enquire

ANZ1 Year Fixed >80% LVR Owner Occupied P&I

1y FixedOffset

Interest

7.14%p.a.

Comparison*

7.73%p.a.

Est. repayment

$3,374

LVR 80 to 95%

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 · Refinance

ANZ refinance home loans, what to weigh

ANZ's refinance-eligible products. Compare against your existing rate plus exit costs. 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 refinance option has the same price.