ANZ Fixed Rate
Budget with confidence - and protect yourself from interest rate rises during your fixed rate term.
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Key Features |
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Interest rate |
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Take a look at ANZ’s current interest rates. |
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Fees and charges |
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Take a look at our current fees and charges. |
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Maximum loan term |
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30 years. |
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Maximum borrowing |
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We can lend up to 80% of a property’s value. Note that the maximum amount you can borrow depends on the property’s location, the property type, the home loan type and other ANZ lending criteria. In very exceptional circumstances, we may lend over 80% of the property’s value. A low equity premium on a graduated scale will apply (the fee range is 0.20% to 1.25% of loan amount) and a registered valuer’s report is required. |
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Repayment frequency |
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Weekly, fortnightly, monthly. Interest only on application. |
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Additional payments |
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For each year of the fixed rate term, you can make extra payments (in addition to your regular fixed payments) of up to 5% of the loan balance to a maximum of $10,000. If you choose to make extra payments above this threshold or repay your fixed rate home loan early, you may have to pay an early repayment fee. |
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Loan repayment holidays |
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You can apply to suspend your payments for up to three months every two years – although this is at ANZ’s discretion. Note loan repayment holidays are not available on ANZ Flexiplus, interest only home loans or partially drawn down loans. |
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Split loan option |
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This is available in combination with any other ANZ home loans. |
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