ANZ home loan interest rates for owner-occupier principal & interest loans — 2 products, variable and fixed, with comparison rates, fees and current offers. Updated 2026-10-27.
| Loan | Variable | Fixed (duration) | Comparison | Fees | Special offers |
|---|---|---|---|---|---|
| ANZ Simplicity PLUS auto-updated 2026-10-27 | 6.64% | — | 6.64% | No annual fee; no offset | ★ First home buyers: $3,000 cashback on loans ≥$250k (new loans only, not refinance) |
| ANZ Fixed Rate Home Loan | — | 1yr 6.69%2yr 6.74%3yr 6.89%4yr 6.89%5yr 6.94% | 7.25% – 7.41% | Breakfree package $395/yr available for discount | — |
About ANZ
One of Australia's Big Four banks, headquartered in Melbourne; operates across Australia, New Zealand and the Asia-Pacific.
- Website: www.anz.com.au
- Contact: 1800 100 641 (Home Loan Hotline, Mon-Fri 8am-7pm); general enquiries 13 13 14
Current ANZ rates: lowest variable 6.64%, lowest fixed 6.69%.
Rate source: https://www.anz.com.au/personal/home-loans/interest-rates/.