Home loan interest rates
Compare all of our home loan rates to find what works for you – fixed, floating or flexible rates. We offer discounted rates to build or buy a new-build and a low rate for energy-efficient upgrades.
Featured rates
1 year fixed-rate special*
1 year fixed-rate special*
Rate is unavailable
Additional rates and terms available.
2 year fixed-rate special*
2 year fixed-rate special*
Rate is unavailable
Additional rates and terms available.
*Special interest rate requires minimum 20% equity and an ANZ transaction account with salary direct credited, otherwise standard rate applies. Not available with package discounts.
Get help to find a home loan that suits your needs
All fixed home loan rates
Special interest rate* | Standard interest rate | |
|---|---|---|
6 months | —% p.a.* | —% p.a. |
1 year | —% p.a.* | —% p.a. |
18 months | —% p.a.* | —% p.a. |
2 years | —% p.a.* | —% p.a. |
3 years | —% p.a.* | —% p.a. |
4 years | — | —% p.a. |
5 years | — | —% p.a. |
The above rates may be in the process of changing and thus may vary for existing customers.
Interest rates may fall during your fixed rate period.
If you do not pay amounts when they are due, we can charge you interest on those amounts at the default interest rate, which is your interest rate + 5.00% p.a.
*Special interest rate requires minimum 20% equity and an ANZ transaction account with salary direct credited, otherwise standard rate applies. Not available with package discounts.
Floating home loan interest rate
Flexible home loan rate
Repayment calculator
Use this calculator to work out your home loan repayments.
Try different scenarios and compare what your repayments could be. Examples include:
- Weekly or fortnightly repayments, instead of monthly – you'll pay more over a year, so your loan balance will drop faster
- Stress test with higher rates – can you still afford repayments?
Other home loan offers
ANZ Good Energy Home Loan top-up
Top up your ANZ Home Loan (up to $80,000) to make your home and transport more energy efficient. Read about our ANZ Good Energy Loan.
3 year fixed rate
3 year fixed rate
Rate is unavailable
Only available as a top-up to your ANZ Home Loan and only for eligible ANZ Good Energy Upgrades. After the special 3-year fixed rate, ANZ’s Home Loan floating interest rate will apply. Offer subject to change.
Blueprint to build package for new-builds
If you’re building or buying a new-build, you could get a discount off our standard home loan interest rates and save on fees for up to two years. Terms and conditions apply to this offer. Read about our Blueprint to build loan package.
Discount off our standard rates | |
|---|---|
Fixed interest rate discount | 0.60% p.a. (applied to new fixed-rate periods only) |
Floating interest rate discount | 1.25% p.a. |
Flexible interest rate discount | 1.25% p.a. |
Discounts are off our standard home loan interest rates and don’t apply to bridging (tideover) finance. Floating and flexible rates can change at any time. To qualify, you'll need to have your full salary or wages credited to an ANZ personal banking account.
Healthy Homes package for green homes
To buy, build or renovate a home with a Homestar rating of 6 or higher, you could get a discount on our standard home loan interest rates and other benefits. Terms and conditions apply to this offer. Read about the ANZ Healthy Home Loan package.
Discount off our standard rates | |
|---|---|
Fixed interest rate discount | 0.70% p.a. (applied to new fixed-rate periods only) |
Floating interest rate discount | 1.00% p.a. |
Flexible interest rate discount | 1.00% p.a. |
Discounts are off our standard home loan interest rates and don’t apply to bridging (tideover) finance. Floating and flexible rates can change at any time. To qualify, you'll need to have your full salary or wages credited to an ANZ personal banking account.
How to apply or re-fix
$5k cash with your first home
If you’re a first home buyer and taking out a new home loan (minimum of $200,000) you could get $5,000 cash.
The cash contribution is conditional on keeping your home loan with ANZ for at least three years. Lending criteria, terms, conditions and fees apply to this offer—.
Important information
ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change. Read more about our Rates, fees and agreements.
This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296. For more information about ANZ’s financial advice service, see our Financial advice provider disclosure statement (PDF 44.6KB).