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ANZ home loan rates

ANZ's lowest advertised variable rate for a home you live in and pay down is 6.64%, if you owe up to 60% of the home’s value. It was read Monday 2 November, and is 0.79 percentage points above the going rate of 5.85% across every lender. Its lowest fixed rate is 6.69%, fixed for one year.

Have a loan with ANZ? Compare your rate

Since the Reserve Bank’s increase on Tuesday 29 September, ANZ has raised its lowest advertised variable rate from 6.39% to 6.64%. The change was first seen Friday 9 October. After the Reserve Bank’s increase has every lender.

131 advertised rates across 3 products, published by ANZ under the Consumer Data Right. Last read Monday 2 November, yesterday. No lender pays to be listed.

Where it sits

6.64% ANZ, lowest variable rate if you owe up to 60%
5.85% The going rate
0.79 percentage points above the going rate

The going rate is the lowest rate at least three lenders reach, so one lender's odd price cannot set it.

Both are advertised new-customer rates. A negotiated discount is in neither. Read your own rate against this.

Lowest variable rate, if you owe up to 60%
6.64%
Lowest fixed rate
6.69%, one year
Lowest comparison rate
6.64%
Rates published
131, across 3 products
Last rate move
Thursday 8 October
Last read
Monday 2 November

For a home you live in and pay down. The other loan types are in the tables below.

Lenders set a different rate for each LVR band, shown as how much you owe. LVR is what you owe as a share of the home's value.

Owner-occupied, principal and interest

Variable

Fixed

Owner-occupied, interest only

23 rates

Variable

  • ANZ Simplicity PLUS · owe 90.01% or more · 7.88% (7.89% with fees)
  • ANZ Simplicity PLUS · owe 70.01–80% · 7.88% (7.28% with fees)
  • ANZ Simplicity PLUS · owe 60.01–70% · 7.88% (7.22% with fees)
  • ANZ Simplicity PLUS · owe up to 60% · 7.88% (7.19% with fees)
  • ANZ Simplicity PLUS · owe 80.01–90% · 7.88% (7.58% with fees)
  • ANZ Standard Variable home loan · owe up to 80% · 8.04% (7.74% with fees)
  • ANZ Standard Variable home loan · owe 80.01% or more · 8.24% (7.94% with fees)
  • ANZ Simplicity PLUS · 8.44% (8.33% with fees)

Fixed

  • ANZ Fixed Rate home loan · two years · owe up to 80% · 6.94% (7.38% with fees)
  • ANZ Fixed Rate home loan · one year · owe up to 80% · 6.99% (7.44% with fees)
  • ANZ Fixed Rate home loan · three years · owe up to 80% · 7.09% (7.38% with fees)
  • ANZ Fixed Rate home loan · four years · owe up to 80% · 7.09% (7.35% with fees)
  • ANZ Fixed Rate home loan · five years · owe up to 80% · 7.09% (7.32% with fees)
  • ANZ Fixed Rate home loan · two years · 7.39% (8.57% with fees)
  • ANZ Fixed Rate home loan · two years · owe 80.01% or more · 7.39% (7.63% with fees)
  • ANZ Fixed Rate home loan · one year · 7.44% (8.73% with fees)
  • ANZ Fixed Rate home loan · one year · owe 80.01% or more · 7.44% (7.67% with fees)
  • ANZ Fixed Rate home loan · three years · owe 80.01% or more · 7.54% (7.65% with fees)
  • ANZ Fixed Rate home loan · three years · 7.54% (8.48% with fees)
  • ANZ Fixed Rate home loan · four years · owe 80.01% or more · 7.54% (7.64% with fees)
  • ANZ Fixed Rate home loan · four years · 7.54% (8.38% with fees)
  • ANZ Fixed Rate home loan · five years · 7.54% (8.28% with fees)
  • ANZ Fixed Rate home loan · five years · owe 80.01% or more · 7.54% (7.63% with fees)

Investment, principal and interest

29 rates

Variable

  • ANZ Simplicity PLUS · owe up to 60% · 6.89% (6.89% with fees)
  • ANZ Simplicity PLUS · owe 60.01–70% · 6.94% (6.94% with fees)
  • ANZ Simplicity PLUS · owe 70.01–80% · 7.04% (7.04% with fees)
  • ANZ Simplicity PLUS · owe 80.01–90% · 7.74% (7.74% with fees)
  • ANZ Standard Variable home loan · owe up to 80% · 8.09% (8.09% with fees)
  • ANZ Simplicity PLUS · owe 90.01% or more · 8.24% (8.24% with fees)
  • ANZ Simplicity PLUS · 8.24% (8.24% with fees)
  • ANZ Standard Variable home loan · owe 80.01% or more · 8.29% (8.29% with fees)

Fixed

  • ANZ Fixed Rate home loan · one year · owe up to 80% · 6.84% (7.96% with fees)
  • ANZ Fixed Rate home loan · two years · owe up to 80% · 6.84% (7.83% with fees)
  • ANZ Fixed Rate home loan · three years · owe up to 80% · 6.89% (7.73% with fees)
  • ANZ Fixed Rate home loan · four years · owe up to 80% · 6.99% (7.67% with fees)
  • ANZ Fixed Rate home loan · five years · owe up to 80% · 7.04% (7.61% with fees)
  • ANZ Fixed Rate home loan · ten years · owe up to 80% · 7.24% (7.47% with fees)
  • ANZ Fixed Rate home loan · seven years · owe up to 80% · 7.24% (7.60% with fees)
  • ANZ Fixed Rate home loan · one year · owe 80.01% or more · 7.29% (8.18% with fees)
  • ANZ Fixed Rate home loan · one year · 7.29% (9.23% with fees)
  • ANZ Fixed Rate home loan · two years · owe 80.01% or more · 7.29% (8.08% with fees)
  • ANZ Fixed Rate home loan · two years · 7.29% (9.01% with fees)
  • ANZ Fixed Rate home loan · three years · 7.34% (8.82% with fees)
  • ANZ Fixed Rate home loan · three years · owe 80.01% or more · 7.34% (8.01% with fees)
  • ANZ Fixed Rate home loan · four years · 7.44% (8.68% with fees)
  • ANZ Fixed Rate home loan · four years · owe 80.01% or more · 7.44% (7.97% with fees)
  • ANZ Fixed Rate home loan · five years · owe 80.01% or more · 7.49% (7.92% with fees)
  • ANZ Fixed Rate home loan · five years · 7.49% (8.55% with fees)
  • ANZ Fixed Rate home loan · ten years · 7.69% (8.15% with fees)
  • ANZ Fixed Rate home loan · ten years · owe 80.01% or more · 7.69% (7.85% with fees)
  • ANZ Fixed Rate home loan · seven years · owe 80.01% or more · 7.69% (7.94% with fees)
  • ANZ Fixed Rate home loan · seven years · 7.69% (8.42% with fees)

Investment, interest only

29 rates

Variable

  • ANZ Simplicity PLUS · owe up to 60% · 7.29% (7.07% with fees)
  • ANZ Simplicity PLUS · owe 60.01–70% · 7.34% (7.12% with fees)
  • ANZ Simplicity PLUS · owe 70.01–80% · 7.44% (7.22% with fees)
  • ANZ Simplicity PLUS · owe 80.01–90% · 8.04% (7.88% with fees)
  • ANZ Simplicity PLUS · owe 90.01% or more · 8.23% (8.24% with fees)
  • ANZ Simplicity PLUS · 8.23% (8.24% with fees)
  • ANZ Standard Variable home loan · owe up to 80% · 8.34% (8.21% with fees)
  • ANZ Standard Variable home loan · owe 80.01% or more · 8.54% (8.41% with fees)

Fixed

  • ANZ Fixed Rate home loan · one year · owe up to 80% · 6.64–6.84% (7.93–7.96% with fees)
  • ANZ Fixed Rate home loan · two years · owe up to 80% · 6.69–6.89% (7.80–7.84% with fees)
  • ANZ Fixed Rate home loan · three years · owe up to 80% · 6.84–7.04% (7.73–7.78% with fees)
  • ANZ Fixed Rate home loan · four years · owe up to 80% · 6.89–7.09% (7.65–7.72% with fees)
  • ANZ Fixed Rate home loan · five years · owe up to 80% · 6.89–7.09% (7.56–7.65% with fees)
  • ANZ Fixed Rate home loan · ten years · owe up to 80% · 7.04–7.24% (7.36–7.49% with fees)
  • ANZ Fixed Rate home loan · seven years · owe up to 80% · 7.04–7.24% (7.50–7.61% with fees)
  • ANZ Fixed Rate home loan · one year · 7.09–7.29% (9.21–9.24% with fees)
  • ANZ Fixed Rate home loan · one year · owe 80.01% or more · 7.09–7.29% (8.16–8.18% with fees)
  • ANZ Fixed Rate home loan · two years · 7.14–7.34% (8.98–9.02% with fees)
  • ANZ Fixed Rate home loan · two years · owe 80.01% or more · 7.14–7.34% (8.05–8.09% with fees)
  • ANZ Fixed Rate home loan · three years · 7.29–7.49% (8.82–8.88% with fees)
  • ANZ Fixed Rate home loan · three years · owe 80.01% or more · 7.29–7.49% (8.00–8.05% with fees)
  • ANZ Fixed Rate home loan · four years · 7.34–7.54% (8.66–8.74% with fees)
  • ANZ Fixed Rate home loan · four years · owe 80.01% or more · 7.34–7.54% (7.94–8.01% with fees)
  • ANZ Fixed Rate home loan · five years · owe 80.01% or more · 7.34–7.54% (7.87–7.96% with fees)
  • ANZ Fixed Rate home loan · five years · 7.34–7.54% (8.51–8.60% with fees)
  • ANZ Fixed Rate home loan · ten years · 7.49–7.69% (8.07–8.20% with fees)
  • ANZ Fixed Rate home loan · ten years · owe 80.01% or more · 7.49–7.69% (7.73–7.87% with fees)
  • ANZ Fixed Rate home loan · seven years · owe 80.01% or more · 7.49–7.69% (7.84–7.95% with fees)
  • ANZ Fixed Rate home loan · seven years · 7.49–7.69% (8.34–8.45% with fees)

Where a rate is shown as a range, ANZ published more than one under conditions it stated identically — same product, same term, same band, same loan size. Nothing published says which of them applies, so this does not guess.

What changed

ANZ last moved a rate on Thursday 8 October. Every rate is read each morning and has come back the same since.

Every lender that publishes rates, and every rate move since capture began.

Beside it

Of 93 lenders with a variable rate anyone could take for a home you live in and pay down, 73 publish a lower one than ANZ's 6.64%. The nearest either side:

ANZ is a ANZ brand. The group's other brand with a page here: Suncorp Bank. Each publishes its own rates.

Does this look wrong? or could it be better

Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what ANZ told you, it is usually one of these.

The published data is wrong

ANZ publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source. If the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list.

Everything identifying the feed is filled in below. The one part left is what you saw.

Consumer Data Right — Product Reference Data quality

Data holder brand: ANZ
ABN: 11005357522
Product Reference Data endpoint: https://api.anz
Data read from that endpoint on: Sunday 1 November
Rate lines published at that time: 131

What appears to be wrong:
[describe what you checked, and what the published data says]

This data is published under the Product Reference Data standard and is
available publicly, without authentication or a consumer consent.
Open the report form in a new tab ↗

The form is run by the Consumer Data Right, not by this site. Nothing you type here is sent anywhere — the text above is yours to copy.

This page reads it wrongly

The rate is published correctly and this page has misread it. A band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not: that one is mine. Tell me and I will fix it, and say which lender so I can find the row.

Something is missing

A figure this page should show and does not, or a lender that should be here and is not. Tell me through the feedback box. The data behind every page here is free to download if you would rather check it yourself first.

Free, and not advice. It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. Who made this. What this site collects.

More from the data

Building something with this? There is an API, and the data is free.

This morning: the market, variable rates, fixed rates and what moved this week.

Found in the data: what lenders charge above 80%, the rate a fixed loan rolls onto and what a comparison rate adds. Also what an offset costs, and what investors pay on top.