These home loans offer low costs, coupled with a host of features, giving the best overall value.
7+
Great
These home loans may have slightly higher interest rates or fewer features but overall, a competitive offering.
5+
Standard
Usually the home loans would offer above average rates. They may still include some competitive features.
0+
Basic
Higher costs and/or fewer features.
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 November 2024
Hit the "Load More" button to compare a bigger selection of products. You can also find more information on each individual product by clicking "More Info".
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We currently don't have a partnership for that product, but we have other similar offers to choose from (how we picked these
):
ANZ key facts
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.
What is Finder Score?
The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.
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
Richard's expertise
Richard has written 553 Finder guides across topics including:
Repay your loan faster and save thousands by finding a lender that will reduce your LMI. To find the right home loan for you, compare different loans today.
I need a gift letter stat declaration from my mum to give to ANZ. Which form do I use?
BelindaJune 12, 2015
Hi Julianne,
Thanks for your enquiry.
Depending on the home loan that you’re applying for, you’ll need to contact ANZ directly to access the relevant gift letter declaration form.
Thanks,
Belinda
trevorMay 28, 2015
hi we are trying to buy we have 20 thousand in the bank a guarantor but we are on disability pension carers pension and a single mothers pension can you help kind regards .Trevor
BelindaJune 1, 2015
Hi Trevor,
Thanks for reaching out to finder.com.au.
Lenders treat these applications on a case-by-case basis but you’ll need to provide evidence of your pension support and ability to use this income to service the loan.
If you’re considering an ANZ home loan, I suggest that you contact ANZ directly.
Thanks,
Belinda
KarynMay 26, 2015
I’m enquiring about Mortgage Payment Holiday periods. Does ANZ offer these options?
BelindaMay 29, 2015
Hi Karyn,
Thanks for your enquiry.
It is possible to apply for a mortgage payment holiday period or a repayment reduction for a set amount of time with ANZ.
Please contact ANZ to discuss your options.
Thanks,
Belinda
AvinApril 27, 2015
Does the 95LVR include or exclude LMI to buy either a investment property or a PPOR?
Thanks
BelindaMay 20, 2015
Hi Avin,
Thanks for your enquiry.
ANZ usually requires LMI whenever the Loan to Value Ratio (LVR) is above 80%. However, LMI may be required when LVR is below 80% for some types of property.
Should you have any further enquiries about LMI for an ANZ home loan, please contact ANZ directly.
I hope this helps.
Thanks,
Belinda
AvinMay 20, 2015
Thanks for your reply but that’s not the answer I was looking for. I know for a fact that there is LMI involved of the LVR is above 80%.
Cheers
BelindaMay 29, 2015
Hi Avin,
Thanks for reaching out, and apologies if I didn’t provide the answer you were looking for.
I can confirm that LMI can be capitalised within your loan at an additional 2% borrowing on top of your overall loan balance.
For example, 90% borrowing + 2% LMI would amount to 92% total borrowing amount.
To include LMI within the LVR, you would require a 5% deposit and then the LMI would be capitalised into the loan up to 97%.
I hope this clarifies things for you.
Thanks,
Belinda
amyJanuary 28, 2015
is it possible to release some of your guarantors equity ? so they are still a guarantor but the amount for lowers a bit as our own equity has gone up $50,000
Finder
ShirleyJanuary 28, 2015Finder
Hi Amy,
Thanks for question.
Yes it’s possible to release some of your guarantor’s equity, though ANZ will need to make an assessment and make a decision based on that.
If you would like to proceed, please get in touch with ANZ directly.
Cheers,
Shirley
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We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
I need a gift letter stat declaration from my mum to give to ANZ. Which form do I use?
Hi Julianne,
Thanks for your enquiry.
Depending on the home loan that you’re applying for, you’ll need to contact ANZ directly to access the relevant gift letter declaration form.
Thanks,
Belinda
hi we are trying to buy we have 20 thousand in the bank a guarantor but we are on disability pension carers pension and a single mothers pension can you help kind regards .Trevor
Hi Trevor,
Thanks for reaching out to finder.com.au.
Lenders treat these applications on a case-by-case basis but you’ll need to provide evidence of your pension support and ability to use this income to service the loan.
If you’re considering an ANZ home loan, I suggest that you contact ANZ directly.
Thanks,
Belinda
I’m enquiring about Mortgage Payment Holiday periods. Does ANZ offer these options?
Hi Karyn,
Thanks for your enquiry.
It is possible to apply for a mortgage payment holiday period or a repayment reduction for a set amount of time with ANZ.
Please contact ANZ to discuss your options.
Thanks,
Belinda
Does the 95LVR include or exclude LMI to buy either a investment property or a PPOR?
Thanks
Hi Avin,
Thanks for your enquiry.
ANZ usually requires LMI whenever the Loan to Value Ratio (LVR) is above 80%. However, LMI may be required when LVR is below 80% for some types of property.
Should you have any further enquiries about LMI for an ANZ home loan, please contact ANZ directly.
I hope this helps.
Thanks,
Belinda
Thanks for your reply but that’s not the answer I was looking for. I know for a fact that there is LMI involved of the LVR is above 80%.
Cheers
Hi Avin,
Thanks for reaching out, and apologies if I didn’t provide the answer you were looking for.
I can confirm that LMI can be capitalised within your loan at an additional 2% borrowing on top of your overall loan balance.
For example, 90% borrowing + 2% LMI would amount to 92% total borrowing amount.
To include LMI within the LVR, you would require a 5% deposit and then the LMI would be capitalised into the loan up to 97%.
I hope this clarifies things for you.
Thanks,
Belinda
is it possible to release some of your guarantors equity ? so they are still a guarantor but the amount for lowers a bit as our own equity has gone up $50,000
Hi Amy,
Thanks for question.
Yes it’s possible to release some of your guarantor’s equity, though ANZ will need to make an assessment and make a decision based on that.
If you would like to proceed, please get in touch with ANZ directly.
Cheers,
Shirley