Variable rate

The ANZ Standard Variable Rate Home Loan is designed to give you full flexibility and value. It comes with a number of features that can help accommodate changes in your circumstances and help save you money.

This loan is also available in the name of a company or business entity. The property must be for the personal benefit of the directors of the company or beneficiaries of the trust. Taking a loan in a company name can provide a tax benefit, however please see your financial advisor before making a decision.

Repay loan early

Yes - you have the freedom to repay your loan in full at any time. 

Make additional repayments
Yes - which means you can pay off your loan faster and save on interest payable
Loan administration charge
Yes
100% home loan offset*
Yes – with ANZ One, a home loan offset account makes the most of your available funds to reduce interest costs, and shorten the term of your loan
Redraw facility*
Yes - redraw allows you to access any additional loan payments you have made
Repayment holiday
Draw down loan progressively

Yes - over periods of up to 12 months.

Ability to split loan
Interest only payments
Yes - up to 10 years. Minimise your repayments and free up cash by paying interest-only
Reduced fees on a personal transaction account**
Yes - you will not pay account servicing fees or additional withdrawal fees on your linked ANZ Access Advantage account
Bonus reward points
Yes (upon request) - if you have an ANZ Frequent Flyer or an ANZ Rewards you may be entitled to 7,500 bonus reward points, when you pay the full Loan Approval Fee and request the Bonus Points at the time of loan application
ANZ Assured
$1,000 ANZ Assured facility on an ANZ One cheque or savings account linked to the loan (subject to ANZ approval)
Loan approval fee (LAF)
$0^
Redraw fee
Nil, $2,000 minimum redraw (additional conditions apply).
Loan administration charge
$5 per month
Converting or renegotiating

Renegotiation fee

$200 - If no change to the loan term, amount or security and no change to interest only repayments.

$350 - If changing loan term, amount, security, changing repayments to interest only or renewing your existing fixed rate loan term.

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Interest rate
Comparison rate^^
Loan term
Maximum 30 years
Minimum amount
$20,000
Maximum amount
95%+ of the valuation of the security property
Lenders Mortgage Insurance
Required if amount borrowed is more than 80% of the valuation of the security property

Ways to apply for a home loan

Telephone iconCall us direct on 1800 100 641

*These benefits do not apply to loans in a company name. Fees and charges may vary for loans in a company name. Contact us for more details.

**Non-ANZ ATM Fees apply, salary must be deposited to the account to obtain the waiver.

^The Loan Approval Fee (LAF) is waived under the ANZ Breakfree Package. 

^^Comparison rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.

WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

A copy of the comparison rate schedule is available at any ANZ branch or view it online ANZ Comparison Rate Schedule (PDF 64kB).

+Available for eligible existing ANZ customers who have had a retail lending product for greater than 6 months with a satisfactory credit history.

Terms and conditions available on application. Fees and charges apply.

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