ANZ home loans
3 home loans with 30 options: variable or fixed from 1 to 10 years, for owner-occupiers or investors, paying principal and interest or interest only. Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate.
- ANZ Simplicity PLUSRedraw · no ongoing fee6.79%
- ANZ Standard Variable home loanOffset account · redraw · no ongoing fee7.49%
- ANZ Fixed Rate home loanOffset account · redraw · no ongoing fee · also 7 and 10 years fixed–
The lowest rate for each choice: the comparison rate where the lender publishes one, else the advertised rate. Every variant is on the loan's own page.
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
- ANZ Simplicity PLUS20 variants up 0.25 to 0.269 days after the RBA rise to 4.60%+0.25 to +0.26All Variable
P&I · Owner-occupier · ≤60% LVR 6.39 6.64 +0.25 P&I · Owner-occupier · 60–70% LVR 6.44 6.69 +0.25 P&I · Owner-occupier · 70–80% LVR 6.54 6.79 +0.25 P&I · Investor · ≤60% LVR 6.64 6.89 +0.25 P&I · Investor · 60–70% LVR 6.69 6.94 +0.25 P&I · Investor · 70–80% LVR 6.79 7.04 +0.25 Interest Only · Investor · ≤60% LVR 6.82 7.07 +0.25 P&I · Owner-occupier · 80–90% LVR 7.09 7.34 +0.25 Interest Only · Investor · 60–70% LVR 6.87 7.12 +0.25 Interest Only · Investor · 70–80% LVR 6.97 7.22 +0.25 P&I · Investor · 80–90% LVR 7.49 7.74 +0.25 Interest Only · Owner-occupier · 70–80% LVR 7.02 7.28 +0.26 Interest Only · Owner-occupier · 60–70% LVR 6.96 7.22 +0.26 Interest Only · Owner-occupier · 80–90% LVR 7.33 7.58 +0.25 Interest Only · Owner-occupier · ≤60% LVR 6.94 7.19 +0.25 Interest Only · Owner-occupier · 90–95% LVR 7.64 7.89 +0.25 P&I · Owner-occupier · 90–95% LVR 7.64 7.89 +0.25 Interest Only · Investor · 80–90% LVR 7.63 7.88 +0.25 Interest Only · Investor · 90–95% LVR 7.99 8.24 +0.25 P&I · Investor · 90–95% LVR 7.99 8.24 +0.25 - ANZ Fixed Rate home loan52 variants up 0.06 to 0.259 days after the RBA rise to 4.60%+0.06 to +0.25
- ANZ Standard Variable home loan8 variants up 0.259 days after the RBA rise to 4.60%+0.25All Variable
P&I · Owner-occupier · ≤80% LVR 7.24 7.49 +0.25 P&I · Owner-occupier · 80–95% LVR 7.44 7.69 +0.25 Interest Only · Owner-occupier · ≤80% LVR 7.49 7.74 +0.25 P&I · Investor · ≤80% LVR 7.84 8.09 +0.25 Interest Only · Owner-occupier · 80–95% LVR 7.69 7.94 +0.25 P&I · Investor · 80–95% LVR 8.04 8.29 +0.25 Interest Only · Investor · ≤80% LVR 7.96 8.21 +0.25 Interest Only · Investor · 80–95% LVR 8.16 8.41 +0.25 - ANZ Fixed Rate home loan14 variants up 0.02 to 0.148 days after the RBA rise to 4.60%+0.02 to +0.14All Interest Only · Investor
1yr Fixed · ≤80% LVR 7.69 7.71 +0.02 2yr Fixed · ≤80% LVR 7.58 7.62 +0.04 3yr Fixed · ≤80% LVR 7.49 7.55 +0.06 5yr Fixed · ≤80% LVR 7.32 7.40 +0.08 4yr Fixed · ≤80% LVR 7.42 7.49 +0.07 7yr Fixed · ≤80% LVR 7.39 7.50 +0.11 10yr Fixed · ≤80% LVR 7.28 7.42 +0.14 1yr Fixed · 80–95% LVR 7.91 7.93 +0.02 2yr Fixed · 80–95% LVR 7.83 7.87 +0.04 3yr Fixed · 80–95% LVR 7.76 7.82 +0.06 4yr Fixed · 80–95% LVR 7.71 7.78 +0.07 5yr Fixed · 80–95% LVR 7.62 7.71 +0.09 7yr Fixed · 80–95% LVR 7.73 7.84 +0.11 10yr Fixed · 80–95% LVR 7.65 7.79 +0.14
Tracked since 25 September 2026. Our own corrections of a misread figure aren't shown.
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare home loans · Home loan report
Notes on ANZ home loans
to leave a note.
As of 15 October 2026, ANZ has three home loan products in 80 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.79% (ANZ Simplicity PLUS), ranking 79th of 91 variable owner-occupier P&I loans and sitting 0.25 points above the market average of 6.54%. Its rates last moved on 9 October 2026, 9 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.