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.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 8.34% | 8.21% | Variable · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 8.54% | 8.41% | Variable · investment · interest only · LVR Over 80% | CDR | 1 Nov 2026 | |
| 8.09% | 8.09% | Variable · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 8.29% | 8.29% | Variable · investment · principal and interest · LVR Over 80% | CDR | 1 Nov 2026 | |
| 8.04% | 7.74% | Variable · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 8.24% | 7.94% | Variable · owner occupied · interest only · LVR Over 80% | CDR | 1 Nov 2026 | |
| 7.49% | 7.49% | Variable · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.69% | 7.69% | Variable · owner occupied · principal and interest · LVR Over 80% | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
Report an error
Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://api.anz/cds-au/v1/banking/products/f71660e7-51a9-4029-b4d0-39d09489d7bc- Content hash
sha256 e6246a4818433809047e5bfd14b7290f82baba9a6f97daa061f2f5001aff4b58- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_e6246a4818433809_4ffa8777Show details
- Checked
- 1 Nov 2026
- URL
https://api.anz/cds-au/v1/banking/products/f71660e7-51a9-4029-b4d0-39d09489d7bc- Content hash
sha256 e6246a4818433809047e5bfd14b7290f82baba9a6f97daa061f2f5001aff4b58- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Loan Approval Fee | Upfront | $0.00 |
| Valuation Administration Fee | Event | $0.00 |
| Guarantee Administration Fee | Event | $0.00 |
| Loan Administration Charge | Periodic | $0.00 |
| Renegotiation Fee (Non Credit Critical) | Event | $0.00 |
| Late Payment Fee | Event | $20.00 |
| Progress Payment fee | Event | $0.00 |
| Lodgement Fee | Event | $160.00 |
| Production Fee | Event | $160.00 |
| Settlement Fee | Event | $160.00 |
| Search Fee | Event | $50.00 |
| Renegotiation Fee (Full Credit Critical) | Event | $0.00 |
| Enforcement expenses | Other | Set in your letter of offer |
| Lenders Mortgage Insurance | Other | Set in your letter of offer |
| Stamp Duty - Mortgage Document | Other | Set in your letter of offer |
| Stamp Duty - Transfer Land | Other | Set in your letter of offer |
| Other Services | Other | Set in your letter of offer |
| Registration of Mortgage | Other | Set in your letter of offer |
| Discharge of Mortgage | Other | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | Access using ANZ Internet Banking or ANZ App | |
| Redraw | 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 | ||
| Offset | 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 | |
| Eligibility: other | Applicant's primary income is in Australian Dollars | |
| Eligibility: min age | 18 | You must be 18 years of age or older to apply |
| Limit: min limit | 20000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 8.34% | 8.21% |
| Variable · investment · principal and interest · LVR Over 80% | 1 Nov 2026 | Current | 8.29% | 8.29% |
| Variable · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 8.04% | 7.74% |
| Variable · owner occupied · principal and interest · LVR Over 80% | 1 Nov 2026 | Current | 7.69% | 7.69% |
| Variable · owner occupied · interest only · LVR Over 80% | 1 Nov 2026 | Current | 8.24% | 7.94% |
| Variable · investment · interest only · LVR Over 80% | 1 Nov 2026 | Current | 8.54% | 8.41% |
| Variable · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 7.49% | 7.49% |
| Variable · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 8.09% | 8.09% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
No one is registered for this product yet. Lender staff and brokers can join through verification.