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ANZ Fixed Rate - Home loans
ANZ Fixed Rate
Budget with confidence and protect yourself from interest rate rises during your fixed rate term. With an ANZ Fixed Rate Home Loan you know exactly how much you have to pay each month.
Interest rates
Fees and charges
Maximum loan term
30 years
Maximum borrowing
Up to 80% of a property's value.1
Over 80% of the property's value in very exceptional circumstances.2
Repayment frequency
Option of weekly, fortnightly or monthly payments to suit your budget.3
Extra repayments
Up to 5% of the loan balance each year of the fixed rate term - to a maximum of $10,000.4
Loan repayment holidays
You can apply to suspend your payments for up to three months every two years – although this is at ANZ's discretion.5
Split loan option
Available in conjunction with any ANZ home loan.
1. The maximum amount you can borrow depends on the property's location, the property type, the home loan type and other ANZ lending criteria.
2. 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.
3. Interest only on application.
4. 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.
5. Loan repayment holidays are not available on ANZ Flexiplus, interest only home loans or partially drawn down loans.
To apply for an ANZ Home Loan please bring the following when you meet an ANZ home loan specialist:
- proof of your income, eg. your latest payslip (unless your income is directly credited to an ANZ account)
- a Registered Valuer's Report if you have one.
If you're self employed:
- a copy of your last two years' balance sheets or annual accounts and tax returns.
If you don't bank with ANZ:
- three months of your latest main bank transaction statements
- evidence of your savings, eg. bank account statements.
If you're purchasing:
- your lawyer's name and address
- your signed sale and purchase agreement.
If you're building a home:
- a builder's quote or contract.
How to apply
For more information or to apply for an ANZ Fixed Rate Home Loan:
Call 0800 ANZ HOME (0800 269 4663)
ANZ lending criteria, terms and conditions and fees apply to all loans.
You can ask for more information, including full terms and conditions for all of ANZ's lending products and a current Disclosure Statement, published by ANZ National Bank Limited, at any ANZ branch.
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