Finty
ANZ

ANZ Fixed Rate home loan

Fixed rateOffsetRedraw

Our fixed rate home loan gives you the certainty of knowing what your repayments will be during the fixed period. ANZ Fixed Home Loans are available for periods between of at least 1 year and up to 30 years in duration.

Written byDavid Boyd
Interest rate a year, from
6.64%
Comparison rate
7.93%
Upfront fees
$160
Annual fee
Not published
Monthly fee
None

Monthly repayment

$600,000 over 30 years

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What it would cost

At the lowest rate of 6.64% (1 year fixed, investment, interest only). The rate you are offered depends on your deposit and the loan you choose, and upfront fees are not included.

Monthly repayment
$3,320
Total repayments
$1,795,200
Interest
$1,195,200

Rates

Every rate ANZ publishes for this loan. LVR is the loan as a share of the property's value: 80% for a 20% deposit.

RatePropertyRepaymentsLVRInterest rateComparison rate
1 year fixedLive inPrincipal and interestUp to 80%6.69%7.41%
1 year fixedLive inPrincipal and interestAny7.14%8.69%
1 year fixedLive inPrincipal and interestOver 80%7.14%7.63%
1 year fixedLive inInterest onlyUp to 80%6.99%7.44%
1 year fixedLive inInterest onlyAny7.44%8.73%
1 year fixedLive inInterest onlyOver 80%7.44%7.67%
1 year fixedInvestmentPrincipal and interestUp to 80%6.84%7.96%
1 year fixedInvestmentPrincipal and interestAny7.29%9.23%
1 year fixedInvestmentPrincipal and interestOver 80%7.29%8.18%
1 year fixedInvestmentInterest onlyUp to 80%6.64%7.93%
1 year fixedInvestmentInterest onlyUp to 80%6.84%7.96%
1 year fixedInvestmentInterest onlyAny7.09%9.21%
1 year fixedInvestmentInterest onlyOver 80%7.09%8.16%
1 year fixedInvestmentInterest onlyAny7.29%9.24%
1 year fixedInvestmentInterest onlyOver 80%7.29%8.18%
2 year fixedLive inPrincipal and interestUp to 80%6.74%7.34%
2 year fixedLive inPrincipal and interestAny7.19%8.53%
2 year fixedLive inPrincipal and interestOver 80%7.19%7.59%
2 year fixedLive inInterest onlyUp to 80%6.94%7.38%
2 year fixedLive inInterest onlyAny7.39%8.57%
2 year fixedLive inInterest onlyOver 80%7.39%7.63%
2 year fixedInvestmentPrincipal and interestUp to 80%6.84%7.83%
2 year fixedInvestmentPrincipal and interestAny7.29%9.01%
2 year fixedInvestmentPrincipal and interestOver 80%7.29%8.08%
2 year fixedInvestmentInterest onlyUp to 80%6.69%7.80%
2 year fixedInvestmentInterest onlyUp to 80%6.89%7.84%
2 year fixedInvestmentInterest onlyAny7.14%8.98%
2 year fixedInvestmentInterest onlyOver 80%7.14%8.05%
2 year fixedInvestmentInterest onlyAny7.34%9.02%
2 year fixedInvestmentInterest onlyOver 80%7.34%8.09%
3 year fixedLive inPrincipal and interestUp to 80%6.89%7.32%
3 year fixedLive inPrincipal and interestAny7.34%8.42%
3 year fixedLive inPrincipal and interestOver 80%7.34%7.59%
3 year fixedLive inInterest onlyUp to 80%7.09%7.38%
3 year fixedLive inInterest onlyAny7.54%8.48%
3 year fixedLive inInterest onlyOver 80%7.54%7.65%
3 year fixedInvestmentPrincipal and interestUp to 80%6.89%7.73%
3 year fixedInvestmentPrincipal and interestAny7.34%8.82%
3 year fixedInvestmentPrincipal and interestOver 80%7.34%8.01%
3 year fixedInvestmentInterest onlyUp to 80%6.84%7.73%
3 year fixedInvestmentInterest onlyUp to 80%7.04%7.78%
3 year fixedInvestmentInterest onlyAny7.29%8.82%
3 year fixedInvestmentInterest onlyOver 80%7.29%8.00%
3 year fixedInvestmentInterest onlyAny7.49%8.88%
3 year fixedInvestmentInterest onlyOver 80%7.49%8.05%
4 year fixedLive inPrincipal and interestUp to 80%6.89%7.27%
4 year fixedLive inPrincipal and interestAny7.34%8.29%
4 year fixedLive inPrincipal and interestOver 80%7.34%7.56%
4 year fixedLive inInterest onlyUp to 80%7.09%7.35%
4 year fixedLive inInterest onlyAny7.54%8.38%
4 year fixedLive inInterest onlyOver 80%7.54%7.64%
4 year fixedInvestmentPrincipal and interestUp to 80%6.99%7.67%
4 year fixedInvestmentPrincipal and interestAny7.44%8.68%
4 year fixedInvestmentPrincipal and interestOver 80%7.44%7.97%
4 year fixedInvestmentInterest onlyUp to 80%6.89%7.65%
4 year fixedInvestmentInterest onlyUp to 80%7.09%7.72%
4 year fixedInvestmentInterest onlyAny7.34%8.66%
4 year fixedInvestmentInterest onlyOver 80%7.34%7.94%
4 year fixedInvestmentInterest onlyAny7.54%8.74%
4 year fixedInvestmentInterest onlyOver 80%7.54%8.01%
5 year fixedLive inPrincipal and interestUp to 80%6.94%7.25%
5 year fixedLive inPrincipal and interestAny7.39%8.20%
5 year fixedLive inPrincipal and interestOver 80%7.39%7.56%
5 year fixedLive inInterest onlyUp to 80%7.09%7.32%
5 year fixedLive inInterest onlyAny7.54%8.28%
5 year fixedLive inInterest onlyOver 80%7.54%7.63%
5 year fixedInvestmentPrincipal and interestUp to 80%7.04%7.61%
5 year fixedInvestmentPrincipal and interestAny7.49%8.55%
5 year fixedInvestmentPrincipal and interestOver 80%7.49%7.92%
5 year fixedInvestmentInterest onlyUp to 80%6.89%7.56%
5 year fixedInvestmentInterest onlyUp to 80%7.09%7.65%
5 year fixedInvestmentInterest onlyAny7.34%8.51%
5 year fixedInvestmentInterest onlyOver 80%7.34%7.87%
5 year fixedInvestmentInterest onlyAny7.54%8.60%
5 year fixedInvestmentInterest onlyOver 80%7.54%7.96%
7 year fixedLive inPrincipal and interestUp to 80%7.24%7.35%
7 year fixedLive inPrincipal and interestAny7.69%8.18%
7 year fixedLive inPrincipal and interestOver 80%7.69%7.69%
7 year fixedInvestmentPrincipal and interestUp to 80%7.24%7.60%
7 year fixedInvestmentPrincipal and interestAny7.69%8.42%
7 year fixedInvestmentPrincipal and interestOver 80%7.69%7.94%
7 year fixedInvestmentInterest onlyUp to 80%7.04%7.50%
7 year fixedInvestmentInterest onlyUp to 80%7.24%7.61%
7 year fixedInvestmentInterest onlyAny7.49%8.34%
7 year fixedInvestmentInterest onlyOver 80%7.49%7.84%
7 year fixedInvestmentInterest onlyAny7.69%8.45%
7 year fixedInvestmentInterest onlyOver 80%7.69%7.95%
10 year fixedLive inPrincipal and interestUp to 80%7.24%7.31%
10 year fixedLive inPrincipal and interestAny7.69%8.00%
10 year fixedLive inPrincipal and interestOver 80%7.69%7.69%
10 year fixedInvestmentPrincipal and interestUp to 80%7.24%7.47%
10 year fixedInvestmentPrincipal and interestAny7.69%8.15%
10 year fixedInvestmentPrincipal and interestOver 80%7.69%7.85%
10 year fixedInvestmentInterest onlyUp to 80%7.04%7.36%
10 year fixedInvestmentInterest onlyUp to 80%7.24%7.49%
10 year fixedInvestmentInterest onlyAny7.49%8.07%
10 year fixedInvestmentInterest onlyOver 80%7.49%7.73%
10 year fixedInvestmentInterest onlyAny7.69%8.20%
10 year fixedInvestmentInterest onlyOver 80%7.69%7.87%

Comparison rates are for an example loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Fees and features

Fees

Upfront fees
$160
Annual fee
Not published
Monthly fee
None

Features

Offset account
Yes
Redraw
Yes
Highest LVR
80%
Loan amount
From $20,000

How it compares

Against the other home loans we compare, for a home you live in with a 20% deposit. Typical means the middle half of them.

Upfront fees

$160

Typical upfront fees are $600.

Smallest deposit

20%

Most loans need at least 10% of the price.

Pros and cons

Pros

  • An offset account. Money in it is taken off your balance when interest is worked out, so your savings and pay cut the interest while staying easy to reach.
  • Extra repayments. Paying more than the minimum pays the loan off sooner and cuts the interest you pay.
  • Redraw. You can take back extra repayments later if you need the money.
  • No early repayment fee listed. You can pay the loan off early, or refinance, without a penalty. Check the terms to be sure.
  • Fixed rates on offer. You can fix for 1 to 10 years if you'd like repayments that don't change for a while.
  • Interest only available. Some investors use it to keep repayments down for a few years, though the balance doesn't fall in that time.

Cons

  • A $20 late payment fee. Setting up automatic repayments avoids it.