ANZ Fixed Rate home loan
Our fixed rate home loan gives you the certainty of knowing what your repayments will be during the fixed period. ANZ Fixed Home Loans are available for periods between of at least 1 year and up to 30 years in duration.
- From (owner occupied)
- 6.29%
- 7.05% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 2 years Fixed for 2 years, principal and interest, owner occupied, LVR ≤ 80% | 6.29% | 7.05% | Loan-to-Value Ratio (LVR) ≤80% |
| Fixed · 1 year Fixed for 1 year, principal and interest, owner occupied, LVR ≤ 80% | 6.34% | 7.15% | Loan-to-Value Ratio (LVR) ≤80% |
| Fixed · 3 years Fixed for 3 years, principal and interest, owner occupied, LVR ≤ 80% | 6.49% | 7.02% | Loan-to-Value Ratio (LVR) ≤80% |
| Fixed · 4 years Fixed for 4 years, principal and interest, owner occupied, LVR ≤ 80% | 6.54% | 6.98% | Loan-to-Value Ratio (LVR) ≤80% |
| Fixed · 5 years Fixed for 5 years, principal and interest, owner occupied, LVR ≤ 80% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Loan Approval Fee We will not charge a Loan Approval Fee/Facility Approval Fee in respect to the establishment of your new loan/facility. Please refer to ANZ Personal Banking General Fees and Charges booklet for further information. | Upfront | $0.00 |
| Valuation Administration Fee We will not charge a Valuation Administration Fee for any valuations we undertake on properties relating to the establishment of your loan/facility. Refer to the ANZ Personal Banking General Fees and Charges booklet for further information. | Event | $0.00 |
| Guarantee Administration Fee We will not charge a Guarantee Administration Fee where a guarantee is taken by us for the purpose of securing your loan/facility. Refer to ANZ Personal Banking General Fees and Charges booklet for further information. | Event | $0.00 |
| Loan Administration Charge Charged monthly · We will not charge a monthly Loan Administration Charge for your loan. Refer to ANZ Personal Banking General Fees and Charges booklet for further information. | Ongoing | $0.00 |
| Renegotiation Fee (Non Credit Critical) We will not charge a Renegotiation Fee or a further Loan Approval Fee/Facility Approval Fee if we approve an application by you to renegotiate or convert your loan/facility. Refer to ANZ Personal Banking General Fees and Charges booklet for further information. |
Features
- Offset account
- With an ANZ One offset account, you could offset the amount you owe on your one-year fixed rate home loan and you'll only be charged interest on the difference.
- Digital banking
- Access using ANZ Internet Banking or ANZ App
- Redraw facility
- Not available during fixed rate period. Once your loan reverts to the Standard Variable Rate, the redraw option may be available to allow you access to additional repayments you may have made to your loan.
- Fraud protection
- Guarantor supported
- Cashback offer — 3000
- If you're buying your first home, you could get $3,000 to spend however you like, plus support from an ANZ First Home Coach. Available to eligible first home buyers with an ANZ home loan of $250,000 or more. Drawdown within 180 days of applying, bonus paid after settlement. Eligibility criteria and T&Cs apply.
Eligibility
- Minimum age — 18 yearsYou must be 18 years of age or older to apply
- Residency status — Australian citizens, New Zealand citizens or Australian permanent residents
- Applicant's primary income is in Australian Dollars
Constraints
- Minimum limit — $20,000.00Minimum loan amount is $20,000
More Information
Published by ANZ under the Consumer Data Right · Last updated 4 June 2026 · Product ID 3a86f9e4-1b41-4222-9091-5934d1fc9178 · View on CDR.gov.au · View Source Data (JSON)