ANZ Variable Home Loans, September 2026
ANZ lists 10 variable home loans in the Ratesniffers index today. The lowest is 7.04% p.a., on Simplicity Plus <60% LVR Investment IO. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
ANZ variable home loan rates, September 2026
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 variable home loans, what to weigh
Variable rates move with the lender's pricing decisions and the cash rate cycle. Less certainty, more flexibility, unlimited extra repayments, full offset. 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 variable option has the same price.
See also ANZ's full product range, repayment calculator, and refinance savings calculator.