Home loan · 5yr Fixed
ANZ Fixed Rate home loan
Rate
Loan for
Repayments
Deposit
7.25%comparison rate p.a. · 6.94% advertised
5yr Fixed · P&I · Owner-occupier · ≤80% LVR
35th of 47 5-year fixed owner-occupier P&I loans
The same choices at every rate type
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.
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- 1yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 7.41% comparison · 6.69% advertised
- 1yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 7.63% comparison · 7.14% advertised
- 1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 7.44% comparison · 6.99% advertised
- 1yr Fixed · Interest Only · Owner-occupier · 80–95% LVR
- 7.67% comparison · 7.44% advertised
- 1yr Fixed · P&I · Investor · ≤80% LVR
- 7.96% comparison · 6.84% advertised
- 1yr Fixed · P&I · Investor · 80–95% LVR
- 8.18% comparison · 7.29% advertised
- 1yr Fixed · Interest Only · Investor · ≤80% LVR
- 7.96% comparison · 6.84% advertised
- 1yr Fixed · Interest Only · Investor · 80–95% LVR
- 8.18% comparison · 7.29% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 7.34% comparison · 6.74% advertised
- 2yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 7.59% comparison · 7.19% advertised
- 2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 7.38% comparison · 6.94% advertised
- 2yr Fixed · Interest Only · Owner-occupier · 80–95% LVR
- 7.63% comparison · 7.39% advertised
- 2yr Fixed · P&I · Investor · ≤80% LVR
- 7.83% comparison · 6.84% advertised
- 2yr Fixed · P&I · Investor · 80–95% LVR
- 8.08% comparison · 7.29% advertised
- 2yr Fixed · Interest Only · Investor · ≤80% LVR
- 7.84% comparison · 6.89% advertised
- 2yr Fixed · Interest Only · Investor · 80–95% LVR
- 8.09% comparison · 7.34% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 7.32% comparison · 6.89% advertised
- 3yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 7.59% comparison · 7.34% advertised
- 3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 7.38% comparison · 7.09% advertised
- 3yr Fixed · Interest Only · Owner-occupier · 80–95% LVR
- 7.65% comparison · 7.54% advertised
- 3yr Fixed · P&I · Investor · ≤80% LVR
- 7.73% comparison · 6.89% advertised
- 3yr Fixed · P&I · Investor · 80–95% LVR
- 8.01% comparison · 7.34% advertised
- 3yr Fixed · Interest Only · Investor · ≤80% LVR
- 7.78% comparison · 7.04% advertised
- 3yr Fixed · Interest Only · Investor · 80–95% LVR
- 8.05% comparison · 7.49% advertised
- 4yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 7.27% comparison · 6.89% advertised
- 4yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 7.56% comparison · 7.34% advertised
- 4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 7.35% comparison · 7.09% advertised
- 4yr Fixed · Interest Only · Owner-occupier · 80–95% LVR
- 7.64% comparison · 7.54% advertised
- 4yr Fixed · P&I · Investor · ≤80% LVR
- 7.67% comparison · 6.99% advertised
- 4yr Fixed · P&I · Investor · 80–95% LVR
- 7.97% comparison · 7.44% advertised
- 4yr Fixed · Interest Only · Investor · ≤80% LVR
- 7.72% comparison · 7.09% advertised
- 4yr Fixed · Interest Only · Investor · 80–95% LVR
- 8.01% comparison · 7.54% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 7.25% comparison · 6.94% advertised
- 5yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 7.56% comparison · 7.39% advertised
- 5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 7.32% comparison · 7.09% advertised
- 5yr Fixed · Interest Only · Owner-occupier · 80–95% LVR
- 7.63% comparison · 7.54% advertised
- 5yr Fixed · P&I · Investor · ≤80% LVR
- 7.61% comparison · 7.04% advertised
- 5yr Fixed · P&I · Investor · 80–95% LVR
- 7.92% comparison · 7.49% advertised
- 5yr Fixed · Interest Only · Investor · ≤80% LVR
- 7.65% comparison · 7.09% advertised
- 5yr Fixed · Interest Only · Investor · 80–95% LVR
- 7.96% comparison · 7.54% advertised
- 7yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 7.35% comparison · 7.24% advertised
- 7yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 7.69% comparison · 7.69% advertised
- 7yr Fixed · P&I · Investor · ≤80% LVR
- 7.60% comparison · 7.24% advertised
- 7yr Fixed · P&I · Investor · 80–95% LVR
- 7.94% comparison · 7.69% advertised
- 7yr Fixed · Interest Only · Investor · ≤80% LVR
- 7.61% comparison · 7.24% advertised
- 7yr Fixed · Interest Only · Investor · 80–95% LVR
- 7.95% comparison · 7.69% advertised
- 10yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 7.31% comparison · 7.24% advertised
- 10yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 7.69% comparison · 7.69% advertised
- 10yr Fixed · P&I · Investor · ≤80% LVR
- 7.47% comparison · 7.24% advertised
- 10yr Fixed · P&I · Investor · 80–95% LVR
- 7.85% comparison · 7.69% advertised
- 10yr Fixed · Interest Only · Investor · ≤80% LVR
- 7.49% comparison · 7.24% advertised
- 10yr Fixed · Interest Only · Investor · 80–95% LVR
- 7.87% comparison · 7.69% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $20,000
- ANZ Fixed Rate home loan · 5yr Fixed · P&I · Owner-occupier
- RBA cash rate
- 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
1yr Fixed · P&I · Owner-occupier · ≤80% LVR 7.16 7.41 +0.25 1yr Fixed · P&I · Owner-occupier · 80–95% LVR 7.39 7.63 +0.24 1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 7.22 7.44 +0.22 1yr Fixed · Interest Only · Owner-occupier · 80–95% LVR 7.44 7.67 +0.23 1yr Fixed · P&I · Investor · ≤80% LVR 7.71 7.96 +0.25 1yr Fixed · P&I · Investor · 80–95% LVR 7.94 8.18 +0.24 1yr Fixed · Interest Only · Investor · ≤80% LVR 7.71 7.96 +0.25 1yr Fixed · Interest Only · Investor · 80–95% LVR 7.93 8.18 +0.25 2yr Fixed · P&I · Owner-occupier · ≤80% LVR 7.09 7.34 +0.25 2yr Fixed · P&I · Owner-occupier · 80–95% LVR 7.34 7.59 +0.25 2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 7.18 7.38 +0.20 2yr Fixed · Interest Only · Owner-occupier · 80–95% LVR 7.43 7.63 +0.20 2yr Fixed · P&I · Investor · ≤80% LVR 7.58 7.83 +0.25 2yr Fixed · P&I · Investor · 80–95% LVR 7.83 8.08 +0.25 2yr Fixed · Interest Only · Investor · ≤80% LVR 7.62 7.84 +0.22 2yr Fixed · Interest Only · Investor · 80–95% LVR 7.87 8.09 +0.22 3yr Fixed · P&I · Owner-occupier · ≤80% LVR 7.07 7.32 +0.25 3yr Fixed · P&I · Owner-occupier · 80–95% LVR 7.34 7.59 +0.25 3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 7.20 7.38 +0.18 3yr Fixed · Interest Only · Owner-occupier · 80–95% LVR 7.47 7.65 +0.18 3yr Fixed · P&I · Investor · ≤80% LVR 7.50 7.73 +0.23 3yr Fixed · P&I · Investor · 80–95% LVR 7.77 8.01 +0.24 3yr Fixed · Interest Only · Investor · ≤80% LVR 7.55 7.78 +0.23 3yr Fixed · Interest Only · Investor · 80–95% LVR 7.82 8.05 +0.23 4yr Fixed · P&I · Owner-occupier · ≤80% LVR 7.02 7.27 +0.25 4yr Fixed · P&I · Owner-occupier · 80–95% LVR 7.31 7.56 +0.25 4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 7.19 7.35 +0.16 4yr Fixed · Interest Only · Owner-occupier · 80–95% LVR 7.48 7.64 +0.16 4yr Fixed · P&I · Investor · ≤80% LVR 7.43 7.67 +0.24 4yr Fixed · P&I · Investor · 80–95% LVR 7.72 7.97 +0.25 4yr Fixed · Interest Only · Investor · ≤80% LVR 7.49 7.72 +0.23 4yr Fixed · Interest Only · Investor · 80–95% LVR 7.78 8.01 +0.23 5yr Fixed · P&I · Owner-occupier · ≤80% LVR 7.00 7.25 +0.25 5yr Fixed · P&I · Owner-occupier · 80–95% LVR 7.31 7.56 +0.25 5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 7.18 7.32 +0.14 5yr Fixed · Interest Only · Owner-occupier · 80–95% LVR 7.49 7.63 +0.14 5yr Fixed · P&I · Investor · ≤80% LVR 7.37 7.61 +0.24 5yr Fixed · P&I · Investor · 80–95% LVR 7.68 7.92 +0.24 5yr Fixed · Interest Only · Investor · ≤80% LVR 7.40 7.65 +0.25 5yr Fixed · Interest Only · Investor · 80–95% LVR 7.71 7.96 +0.25 7yr Fixed · P&I · Owner-occupier · ≤80% LVR 7.24 7.35 +0.11 7yr Fixed · P&I · Owner-occupier · 80–95% LVR 7.59 7.69 +0.10 7yr Fixed · P&I · Investor · ≤80% LVR 7.49 7.60 +0.11 7yr Fixed · P&I · Investor · 80–95% LVR 7.84 7.94 +0.10 7yr Fixed · Interest Only · Investor · ≤80% LVR 7.50 7.61 +0.11 7yr Fixed · Interest Only · Investor · 80–95% LVR 7.84 7.95 +0.11 10yr Fixed · P&I · Owner-occupier · ≤80% LVR 7.24 7.31 +0.07 10yr Fixed · P&I · Owner-occupier · 80–95% LVR 7.63 7.69 +0.06 10yr Fixed · P&I · Investor · ≤80% LVR 7.40 7.47 +0.07 10yr Fixed · P&I · Investor · 80–95% LVR 7.78 7.85 +0.07 10yr Fixed · Interest Only · Investor · ≤80% LVR 7.42 7.49 +0.07 10yr Fixed · Interest Only · Investor · 80–95% LVR 7.79 7.87 +0.08 - 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 1yr Fixed · 80–95% LVR 7.91 7.93 +0.02 2yr Fixed · ≤80% LVR 7.58 7.62 +0.04 2yr Fixed · 80–95% LVR 7.83 7.87 +0.04 3yr Fixed · ≤80% LVR 7.49 7.55 +0.06 3yr Fixed · 80–95% LVR 7.76 7.82 +0.06 4yr Fixed · ≤80% LVR 7.42 7.49 +0.07 4yr Fixed · 80–95% LVR 7.71 7.78 +0.07 5yr Fixed · ≤80% LVR 7.32 7.40 +0.08 5yr Fixed · 80–95% LVR 7.62 7.71 +0.09 7yr Fixed · ≤80% LVR 7.39 7.50 +0.11 7yr Fixed · 80–95% LVR 7.73 7.84 +0.11 10yr Fixed · ≤80% LVR 7.28 7.42 +0.14 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.
Our fixed rate home loan gives you the certainty of knowing what your repayments will be during the fixed period. ANZ Fixed Home Loans are available for periods between of at least 1 year and up to 30 years in duration.
Also from ANZ: ANZ Simplicity PLUS 6.79% · ANZ Standard Variable home loan 7.49%
As of 15 October 2026, the ANZ Fixed Rate home loan's 5-year fixed owner-occupier P&I variant has a comparison rate of 7.25% (6.94% advertised), ranking 35th of 47 5-year fixed owner-occupier P&I loans. The product comes in 52 variants; the others are investor, interest-only, other fixed terms and other LVR bands. Its rate 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.