ANZ Standard Variable home loan
Our most flexible home loan with plenty of features to help suit your needs. You can offset your loan, pay it off early or access extra repayments you've made. Plus, you won't pay any ANZ set up or ongoing fees on your home loan. ANZ Variable Home Loans are available for periods between of at least 1 year and up to 30 years in duration.
- From (owner occupied)
- 7.24%
- 7.24% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Principal and Interest, Owner Occupied, LVR 80% and under - Discounted Rate | 7.24% | 7.24% | Loan-to-Value Ratio (LVR) |
| Variable Principal and Interest, Owner Occupied, LVR over 80% | 7.44% | 7.44% | Loan-to-Value Ratio (LVR) |
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Interest Only, Owner Occupied, LVR 80% and under | 7.79% | 7.49% | Loan-to-Value Ratio (LVR) |
| Variable Interest Only, Owner Occupied, LVR over 80% | 7.99% | 7.69% |
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
- Digital banking
- Access using ANZ Internet Banking or ANZ App
- Redraw facility
- ANZ Redraw could let you access extra payments you've made to an eligible loan when you need to. You can easily access your redraw funds via ANZ Internet Banking and other convenient ways.
- Fraud protection
- Extra repayments
- Guarantor supported
- Offset account
- An offset account is a transaction account linked to an eligible home or investment loan. The money you have in this account could offset the amount you owe on that loan, and you'll only be charged the interest on the difference.
- 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
- Residency status — Australian citizens, New Zealand citizens or Australian permanent residents
- Applicant's primary income is in Australian Dollars
- Minimum age — 18 yearsYou must be 18 years of age or older to apply
Constraints
- Minimum limit — $20,000.00Minimum loan amount is $20,000
More Information
Published by ANZ under the Consumer Data Right · Last updated 14 May 2026 · Product ID f71660e7-51a9-4029-b4d0-39d09489d7bc · View on CDR.gov.au