Home loan · Variable
ANZ Standard Variable home loan
7.49%comparison rate p.a. · 7.49% advertised
Variable · P&I · Owner-occupier · ≤80% LVR
90th of 91 variable owner-occupier P&I loans
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
- Variable · P&I · Owner-occupier · ≤80% LVR
- 7.49% comparison · 7.49% advertised
- Variable · P&I · Owner-occupier · 80–95% LVR
- 7.69% comparison · 7.69% advertised
- Variable · Interest Only · Owner-occupier · ≤80% LVR
- 7.74% comparison · 8.04% advertised
- Variable · Interest Only · Owner-occupier · 80–95% LVR
- 7.94% comparison · 8.24% advertised
- Variable · P&I · Investor · ≤80% LVR
- 8.09% comparison · 8.09% advertised
- Variable · P&I · Investor · 80–95% LVR
- 8.29% comparison · 8.29% advertised
- Variable · Interest Only · Investor · ≤80% LVR
- 8.21% comparison · 8.34% advertised
- Variable · Interest Only · Investor · 80–95% LVR
- 8.41% comparison · 8.54% 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 Standard Variable home loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
- 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 Interest Only · Owner-occupier · 80–95% LVR 7.69 7.94 +0.25 P&I · Investor · ≤80% LVR 7.84 8.09 +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
Tracked since 25 September 2026. Our own corrections of a misread figure aren't shown.
Our most flexible home loan with plenty of features to help suit your needs. You can offset your loan, pay it off early or access extra repayments you've made. Plus, you won't pay any ANZ set up or ongoing fees on your home loan. ANZ Variable 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 Fixed Rate home loan 7.25%
As of 15 October 2026, the ANZ Standard Variable home loan's variable owner-occupier P&I variant has a comparison rate of 7.49% (7.49% advertised), ranking 90th of 91 variable owner-occupier P&I loans and sitting 0.95 points above the market average of 6.54%. The product comes in 8 variants; the others are investor, interest-only 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.