ANZ Home Loans

ANZ Fixed Rate Home Loans

Within ANZ's portfolio of fixed rate loans, you have the option to set your interest rate for between 1 and 10 years. For those who like to plan ahead and have certainty in the financial situation, this option can be invaluable. The majority of ANZ fixed rate loans allow offsetting, fortnightly repayments and other optional features.

ANZ Variable Rate Home Loans

Variable rate home loans through ANZ offer you the greatest flexibility, with the ability to repay your loan as quickly as you like. An ANZ variable rate home loan may be suitable when you believe it likely that official interest rates will come down, when you expect to sell your property within a short time or when you need the flexibility of additional features.

ANZ Simplicity Plus

The ANZ Simplicity Plus product is designed to be easy to understand. This loan has the option to add features, but does not come with a complicated catalogue of benefits and charges. Simplicity Plus comes with a standard variable rate and no application fee.

ANZ Breakfree

The ANZ Breakfree package offers you a discount on your choice of variable or fixed interest rates, discounted credit card and offset account fees when you bundle your mortgage, everyday account and credit card into the Breakfree bundle. The bundle is also suitable for investors, with facility for up to five home or investment loans.

ANZ Lo Doc

For those who have the ability to service a home loan, but whose earnings aren't substantiated by the standard types of paperwork, an ANZ Lo Doc loan is ideal. The application process is flexible and designed specifically for the self-employed. Competitive interest rates apply, but a larger than standard deposit is usually required.

ANZ Land Loan

An ANZ Land Loan gives you the freedom to purchase your land without an existing home. You can bundle your Land Loan with a building loan from ANZ, or choose another lender for the building portion of the loan. Building of an investment property must commence within 12 months, and building of residential properties must be complete within 3 years.

ANZ Equity Manager

An equity manager package gives you a line of credit, totalling any pre-agreed amount up to the maximum equity available in your home. You can access funds easily through a range of options including standard ANZ ATMs. Your repayment schedule for an ANZ Equity Manager can be negotiated with the bank.

ANZ Awards

ANZ has been named Money Magazine's Home Lender of the Year five times since 2005, and AFR Smart Investor Magazine's Home Lender of the Year Award five times since 2000. ANZ home loans continue to take out honours throughout the industry for both product range and customer satisfaction.