ANZ is one of Australia's Big Four banks, providing home loans for investors and owner-occupiers, including fixed and variable rates, and home loan packages. Check out the full table of ANZ products below or read more about the lender and its loans.
Cashback offer
Eligible refinancers and first home buyers can get a cashback through ANZ. Eligible refinancers switching to ANZ can get a cashback worth $2,000.Your loan must be at least $250,000 and you must have an LVR of 80% or less. You must draw down the loan within 120 days of applying.
Eligible first home buyers can get a cashback of $3,000 when they take out a loan of $250,000. You must draw down the loan within 180 days of applying.
Full conditions apply for both offers.
Compare ANZ home loans for August 2024
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ANZ is one of Australia's biggest lenders and has a large range of home loan products. This includes package home loans with lots of extra features and simpler loans with just the basics.
The lender has a nationwide network of physical branches plus phone support and online support.
You can get some ANZ home loans with a deposit as low as 10%, but many loans require a standard 20% deposit.
ANZ's package home loans offer discounted mortgage rates, offset accounts and fee waivers on the loan and a credit card.
How do I apply for an ANZ mortgage?
When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.
Eligibility
Each ANZ product has specific eligibility criteria but some will apply to all products. For example:
Age. You must be over 18 years of age.
Residency. You should be a resident of Australia.
Employment. You should have a regular source of income.
Documents required
When you apply for a mortgage with ANZ you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:
📄 Property details. You can start a loan enquiry before you've bought a property, but to complete an application you need the address of the property and a signed contract of sale.
📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.
📄 Proof of income documents. Recent payslips can establish your income.
📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).
Mortgage brokers. Still confused? Get free, expert guidance from a qualified mortgage broker.
More home loan questions
To make sure you find the right ANZ loan you need a clear idea of what you're looking for in a mortgage. These simple questions can help:
Do you want help from an actual person? Because ANZ has a large network of branches, you can talk to staff in person when you need home loan help. This is something online lenders and smaller banks may not be able to offer.
Fixed or variable? Do you want the flexibility of a variable rate loan that could rise or fall at any time? Or are you happy to lock in a fixed rate for a certain period so you can forget about rate changes?
What features do you need? You need to decide whether you need features like a 100% offset account, the ability to make extra repayments and the option to split your rate.
ANZ offers pre-approval. You can apply for pre-approval with ANZ online. Please note that the lender will conduct a credit check, which may impact your credit history.
Home loan pre-approval is an optional step in the application process that some lenders offer. Pre-approval means a lender has examined your savings, income and spending habits and has a rough idea of how much it could lend you. It's not the same as full loan approval and it's no guarantee that the lender will ultimately approve a full application. But it does allow borrowers to start looking for a home with more confidence and a clearer idea of their borrowing power.
Most Australian borrowers bank with one of the Big Four (Commbank, Westpac, NAB and ANZ). They have physical branches and ATMs in most locations and strong customer support. These are big advantages.
But if you're worried that smaller lenders are unsafe or less reliable, you probably shouldn't. In Australia, most lenders are authorised deposit-taking institutions (ADIs) and are regulated by the Australian Prudential Regulation Authority (APRA). Almost every lender has a banking licence or partners with a bank.
There's an assumption that interest rates from the Big Four are less competitive than smaller lenders. And while this is broadly true, the gap has shrunk dramatically in recent years. You can get a very good deal from lenders large and small.
Deciding between a fixed or variable rate depends on what you want from the loan. A variable rate loan can change at any time, either up or down. A variable rate usually offers more flexibility in how fast you can repay the loan and the cost of refinancing.
A fixed rate loan offers total certainty about your rate, for the fixed period. This means it won't rise, costing you more. But if your lender starts lowering rates you won't benefit either. Refinancing a fixed rate loan means breaking the loan, because you've agreed to a specific rate. This means you may have to pay a fixed rate break fee.
Mortgage brokers are home loan professionals who can help you find a suitable loan. A broker typically charges you no fee, because they receive a commission from your lender. Brokers are great if you are short on time or find the whole process of researching and applying for a home loan confusing. But you can definitely do it yourself and find a good loan. You may even find a better deal. That's because brokers don't compare loans from every lender in the market. They have access to a panel of loans and often don't have smaller online lenders in their panel.
Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification. See full bio
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I would like to refinance home loan. Can I get multiple offset account?
Finder
RebeccaMarch 7, 2023Finder
Hi there,
If you’re looking to refinance to an ANZ home loan, you can only get access to 1 offset account if you fix your home loan rate for one year. Take a look at each loan option carefully to make sure you choose the home loan with the right features for you. If you need more than one offset account, it might be worth comparing other lenders and looking at their options thoroughly.
Thanks,
Rebecca
steveAugust 2, 2022
anz said breakfree package no longer available
Finder
RichardAugust 5, 2022Finder
Hello Steve,
Thanks for your comment. We’ve confirmed this with ANZ and will remove the page.
Kind regards,
Richard
MareeJune 13, 2022
I would like to refinance my WP home loan with a low interest loan with bonus frequent flyer points and/or cashback offer. Thankykou
Finder
RichardJune 15, 2022Finder
Hi Marie,
At Finder, we don’t offer home loans directly but we can help you compare loans. And if you want help with a specific loan you can also talk to a mortgage broker.
Kind regards,
Richard
GordonSeptember 17, 2018
What is the deposit?
Finder
JhezelynSeptember 17, 2018Finder
Hello Gordon,
Thank you for your comment.
For ANZ and most lenders require you to have at least a 5% deposit, which must be made up of savings or cash, rather than a loan. But if you can put down a deposit of 10%-20%, this will often get you a lower interest rate on your loan, because there is less risk involved for the lender.
Best to directly get in touch with ANZ or a mortgage broker so you can discuss options based on your needs.
Should you wish to have real-time answers to your questions, try our chatbox on the lower right corner of our page.
Regards,
Jhezelyn
MarkAugust 16, 2015
Just enquiring if it would be possible to consolidate my car loan on to my home loan? My home loan type is simplicity plus basic home loan .
Finder
MarcAugust 17, 2015Finder
Hi Mark,
thanks for the question.
ANZ do offer debt consolidation home loans to manage debts. I would recommend contacting them directly to see what your options may be.
I hope this helps,
Marc.
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I would like to refinance home loan. Can I get multiple offset account?
Hi there,
If you’re looking to refinance to an ANZ home loan, you can only get access to 1 offset account if you fix your home loan rate for one year. Take a look at each loan option carefully to make sure you choose the home loan with the right features for you. If you need more than one offset account, it might be worth comparing other lenders and looking at their options thoroughly.
Thanks,
Rebecca
anz said breakfree package no longer available
Hello Steve,
Thanks for your comment. We’ve confirmed this with ANZ and will remove the page.
Kind regards,
Richard
I would like to refinance my WP home loan with a low interest loan with bonus frequent flyer points and/or cashback offer. Thankykou
Hi Marie,
At Finder, we don’t offer home loans directly but we can help you compare loans. And if you want help with a specific loan you can also talk to a mortgage broker.
Kind regards,
Richard
What is the deposit?
Hello Gordon,
Thank you for your comment.
For ANZ and most lenders require you to have at least a 5% deposit, which must be made up of savings or cash, rather than a loan. But if you can put down a deposit of 10%-20%, this will often get you a lower interest rate on your loan, because there is less risk involved for the lender.
Best to directly get in touch with ANZ or a mortgage broker so you can discuss options based on your needs.
Should you wish to have real-time answers to your questions, try our chatbox on the lower right corner of our page.
Regards,
Jhezelyn
Just enquiring if it would be possible to consolidate my car loan on to my home loan? My home loan type is simplicity plus basic home loan .
Hi Mark,
thanks for the question.
ANZ do offer debt consolidation home loans to manage debts. I would recommend contacting them directly to see what your options may be.
I hope this helps,
Marc.