ANZ Home Loans

ANZ Insurance at Canstar

ANZ is one of Australia’s largest providers of financial services, including home loans, car loans, personal loans, savings accounts, transaction accounts, term deposits, car insurance, home insurance, and life insurance.

What Home Loans does ANZ offer?

If you’re currently considering a home loan, the comparison table below displays some of the variable rate home loans on our database from ANZ that are available for first home buyers. This table is sorted by Star Rating (highest to lowest), followed by comparison rate (lowest-highest). Products shown are principal and interest home loans available for a loan amount of $350K in NSW with an LVR of 80% of the property value. Before committing to a particular home loan product, check upfront with your lender and read the applicable loan documentation to confirm whether the terms of the loan meet your needs and repayment capacity. Use Canstar’s home loan selector to view a wider range of home loan products.

*Comparison rate based on loan amount of $150,000 and a term of 25 years. Read the Comparison Rate Warning

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ANZ  home loan features

Depending on the option you choose, an ANZ home loan may provide:

  • A 100% offset account on selected loans 
  • A redraw facility on selected loans
  • Ability to split loans 
  • Ability to make additional repayments 
  • No fee for early repayment on selected loans
  • Repayments may be made weekly, fortnightly, or monthly
  • Optional interest only repayments for up to five years
  • Monthly account service fee waiver available

The inclusions above represent a selection of the features available with ANZ home loans. Canstar is not making any suggestion or recommendation to you about this product. Additional conditions may apply to different features. Please see our comparison tables for more detailed information about the products on offer from this provider. Check upfront with ANZ and please ensure that you read the product disclosure statement (PDS) or other loan documentation to determine all the current loan terms and conditions for the product you are considering and whether it meets your needs, before committing to it.

ANZ Home Loan FAQs

Before getting started, you might first like to take a look at our applying for a home loan checklist for some pointers, and use the Canstar website to compare home loans with other providers before choosing a product that suits your needs.

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If you decide to apply for an ANZ home loan, you can fill out an online application form through the ANZ website. Any enquiries can be made online, over the phone or at an ANZ branch.

If applying online, ANZ advises that you will need to be:

  • At least 18 years old
  • An Australian or New Zealand citizen or permanent resident
  • Earning your primary income in Australian Dollars
  • Purchasing a property that is securing the loan

At the time of writing, ANZ allows extra repayments on its variable rate home loans so that you can repay your loan at any time. Additional repayments are also allowed on fixed rate loans, however, repayments over a set limit may incur an early repayment fee. 

Terms and conditions may apply, contact ANZ or visit the ANZ website for further details.

To give you an idea of how making extra repayments could save money in interest over the life of your loan, you might like to try our Extra Repayments Calculator.

Home Loans Extra Repayments Calculator

Yes, ANZ’s variable rate home loans offer a redraw facility so that you can access any additional repayments that you have made on your loan. Fixed rate loans may also offer a redraw facility, however, this is only available outside of the fixed rate period. 

Line of credit loans allow withdrawals up to an approved limit.

Terms and conditions apply and an eligibility criteria is required for the  use of a redraw facility. Contact ANZ or visit the ANZ website for details.

If you’re in the market for a home loan, compare your home loan options with Canstar:

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ANZ has provided financial services for over 180 years and is one of the  ‘big four’ banks in Australia. ANZ started as the Bank of Australasia in Sydney in 1835 and is now operating in 33 markets worldwide.

ANZ says it’s  currently the largest banking group in New Zealand and the Pacific, and one of the top 50 banks in the world.

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Written by: Eliza Parry-Okeden | Last updated: September 24, 2019