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ANZ Fixed Rate home loan
ANZ Fixed Rate home loan is a home loan. The figures are the ones ANZ publishes under the Consumer Data Right today. The advertised rate last moved on 9 October 2026, up from 6.49% to 6.69%.
Advertised rate
6.69%
headline tier
Comparison rate
7.41%
as published
Last moved
+0.20pp
9 October 2026
Advertised rate, last 30 days. Between 6.49% and 6.69% over the last 30 days.
Every current rate (99)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 1 year, Investor, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 6.64% | 7.93% |
| Fixed 1 year, Owner occupier, P&I, LVR up to 80%Loan-to-Value Ratio (LVR) | 6.69% | 7.41% |
| Fixed 2 years, Investor, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 6.69% | 7.80% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 80%Loan-to-Value Ratio (LVR) | 6.74% | 7.34% |
| Fixed 1 year, Investor, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 6.84% | 7.96% |
| Fixed 1 year, Investor, P&I, LVR up to 80%Loan-to-Value Ratio (LVR) | 6.84% | 7.96% |
| Fixed 2 years, Investor, P&I, LVR up to 80%Loan-to-Value Ratio (LVR) | 6.84% | 7.83% |
| Fixed 3 years, Investor, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 6.84% | 7.73% |
| Fixed 2 years, Investor, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 6.89% | 7.84% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 80%Loan-to-Value Ratio (LVR) | 6.89% | 7.32% |
| Fixed 3 years, Investor, P&I, LVR up to 80%Loan-to-Value Ratio (LVR) | 6.89% | 7.73% |
| Fixed 4 years, Investor, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 6.89% | 7.65% |
| Fixed 4 years, Owner occupier, P&I, LVR up to 80%Loan-to-Value Ratio (LVR) | 6.89% | 7.27% |
| Fixed 5 years, Investor, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 6.89% | 7.56% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 6.94% | 7.38% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 80%Loan-to-Value Ratio (LVR) | 6.94% | 7.25% |
| Fixed 1 year, Owner occupier, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 6.99% | 7.44% |
| Fixed 4 years, Investor, P&I, LVR up to 80%Loan-to-Value Ratio (LVR) | 6.99% | 7.67% |
| Fixed 10 years, Investor, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 7.04% | 7.36% |
| Fixed 3 years, Investor, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 7.04% | 7.78% |
| Fixed 5 years, Investor, P&I, LVR up to 80%Loan-to-Value Ratio (LVR) | 7.04% | 7.61% |
| Fixed 7 years, Investor, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 7.04% | 7.50% |
| Fixed 1 year, Investor, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 7.09% | 8.16% |
| Fixed 1 year, Investor, Interest only | 7.09% | 9.21% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 7.09% | 7.38% |
| Fixed 4 years, Investor, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 7.09% | 7.72% |
| Fixed 4 years, Owner occupier, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 7.09% | 7.35% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 7.09% | 7.32% |
| Fixed 5 years, Investor, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 7.09% | 7.65% |
| Fixed 1 year, Owner occupier, P&I | 7.14% | 8.69% |
| Fixed 1 year, Owner occupier, P&I, LVR over 80%Loan-to-Value Ratio (LVR) | 7.14% | 7.63% |
| Fixed 2 years, Investor, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 7.14% | 8.05% |
| Fixed 2 years, Investor, Interest only | 7.14% | 8.98% |
| Fixed 2 years, Owner occupier, P&I, LVR over 80%Loan-to-Value Ratio (LVR) | 7.19% | 7.59% |
| Fixed 2 years, Owner occupier, P&I | 7.19% | 8.53% |
| Fixed 10 years, Investor, P&I, LVR up to 80%Loan-to-Value Ratio (LVR) | 7.24% | 7.47% |
| Fixed 10 years, Owner occupier, P&I, LVR up to 80%Loan-to-Value Ratio (LVR) | 7.24% | 7.31% |
| Fixed 10 years, Investor, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 7.24% | 7.49% |
| Fixed 7 years, Owner occupier, P&I, LVR up to 80%Loan-to-Value Ratio (LVR) | 7.24% | 7.35% |
| Fixed 7 years, Investor, P&I, LVR up to 80%Loan-to-Value Ratio (LVR) | 7.24% | 7.60% |
| Fixed 7 years, Investor, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 7.24% | 7.61% |
| Fixed 1 year, Investor, P&I, LVR over 80%Loan-to-Value Ratio (LVR) | 7.29% | 8.18% |
| Fixed 1 year, Investor, P&I | 7.29% | 9.23% |
| Fixed 1 year, Investor, Interest only | 7.29% | 9.24% |
| Fixed 1 year, Investor, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 7.29% | 8.18% |
| Fixed 2 years, Investor, P&I | 7.29% | 9.01% |
| Fixed 2 years, Investor, P&I, LVR over 80%Loan-to-Value Ratio (LVR) | 7.29% | 8.08% |
| Fixed 3 years, Investor, Interest only | 7.29% | 8.82% |
| Fixed 3 years, Investor, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 7.29% | 8.00% |
| Fixed 2 years, Investor, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 7.34% | 8.09% |
| Fixed 2 years, Investor, Interest only | 7.34% | 9.02% |
| Fixed 3 years, Investor, P&I, LVR over 80%Loan-to-Value Ratio (LVR) | 7.34% | 8.01% |
| Fixed 3 years, Owner occupier, P&I, LVR over 80%Loan-to-Value Ratio (LVR) | 7.34% | 7.59% |
| Fixed 3 years, Owner occupier, P&I | 7.34% | 8.42% |
| Fixed 3 years, Investor, P&I | 7.34% | 8.82% |
| Fixed 4 years, Investor, Interest only | 7.34% | 8.66% |
| Fixed 4 years, Owner occupier, P&I | 7.34% | 8.29% |
| Fixed 4 years, Owner occupier, P&I, LVR over 80%Loan-to-Value Ratio (LVR) | 7.34% | 7.56% |
| Fixed 4 years, Investor, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 7.34% | 7.94% |
| Fixed 5 years, Investor, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 7.34% | 7.87% |
| Fixed 5 years, Investor, Interest only | 7.34% | 8.51% |
| Fixed 2 years, Owner occupier, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 7.39% | 7.63% |
| Fixed 2 years, Owner occupier, Interest only | 7.39% | 8.57% |
| Fixed 5 years, Owner occupier, P&I, LVR over 80%Loan-to-Value Ratio (LVR) | 7.39% | 7.56% |
| Fixed 5 years, Owner occupier, P&I | 7.39% | 8.20% |
| Fixed 1 year, Owner occupier, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 7.44% | 7.67% |
| Fixed 1 year, Owner occupier, Interest only | 7.44% | 8.73% |
| Fixed 4 years, Investor, P&I | 7.44% | 8.68% |
| Fixed 4 years, Investor, P&I, LVR over 80%Loan-to-Value Ratio (LVR) | 7.44% | 7.97% |
| Fixed 10 years, Investor, Interest only | 7.49% | 8.07% |
| Fixed 10 years, Investor, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 7.49% | 7.73% |
| Fixed 3 years, Investor, Interest only | 7.49% | 8.88% |
| Fixed 3 years, Investor, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 7.49% | 8.05% |
| Fixed 5 years, Investor, P&I, LVR over 80%Loan-to-Value Ratio (LVR) | 7.49% | 7.92% |
| Fixed 5 years, Investor, P&I | 7.49% | 8.55% |
| Fixed 7 years, Investor, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 7.49% | 7.84% |
| Fixed 7 years, Investor, Interest only | 7.49% | 8.34% |
| Fixed 3 years, Owner occupier, Interest only | 7.54% | 8.48% |
| Fixed 3 years, Owner occupier, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 7.54% | 7.65% |
| Fixed 4 years, Owner occupier, Interest only | 7.54% | 8.38% |
| Fixed 4 years, Investor, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 7.54% | 8.01% |
| Fixed 4 years, Owner occupier, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 7.54% | 7.64% |
| Fixed 4 years, Investor, Interest only | 7.54% | 8.74% |
| Fixed 5 years, Investor, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 7.54% | 7.96% |
| Fixed 5 years, Investor, Interest only | 7.54% | 8.60% |
| Fixed 5 years, Owner occupier, Interest only | 7.54% | 8.28% |
| Fixed 5 years, Owner occupier, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 7.54% | 7.63% |
| Fixed 10 years, Investor, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 7.69% | 7.87% |
| Fixed 10 years, Investor, P&I, LVR over 80%Loan-to-Value Ratio (LVR) | 7.69% | 7.85% |
| Fixed 10 years, Owner occupier, P&I | 7.69% | 8.00% |
| Fixed 10 years, Owner occupier, P&I, LVR over 80%Loan-to-Value Ratio (LVR) | 7.69% | 7.69% |
| Fixed 10 years, Investor, Interest only | 7.69% | 8.20% |
| Fixed 10 years, Investor, P&I | 7.69% | 8.15% |
| Fixed 7 years, Owner occupier, P&I, LVR over 80%Loan-to-Value Ratio (LVR) | 7.69% | 7.69% |
| Fixed 7 years, Investor, P&I | 7.69% | 8.42% |
| Fixed 7 years, Owner occupier, P&I | 7.69% | 8.18% |
| Fixed 7 years, Investor, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 7.69% | 7.95% |
| Fixed 7 years, Investor, P&I, LVR over 80%Loan-to-Value Ratio (LVR) | 7.69% | 7.94% |
| Fixed 7 years, Investor, Interest only | 7.69% | 8.45% |
Rate moves, last 30 days
- 9 October 2026: 20 tiers lifted 0.25pp; the lowest, Fixed 5 years, Investor, Interest only, LVR up to 80%, from 6.64% to 6.89%.
Published fees
| Fee | Amount |
|---|---|
| Loan Approval Feeupfront: We will not charge a Loan Approval Fee/Facility Approval Fee in respect to the establishment of your new loan/facility. | $0 |
| Valuation Administration Feewhen it happens: We will not charge a Valuation Administration Fee for any valuations we undertake on properties relating to the establishment of your loan/facility. | $0 |
| Guarantee Administration Feewhen it happens: We will not charge a Guarantee Administration Fee where a guarantee is taken by us for the purpose of securing your loan/facility. | $0 |
| Loan Administration Chargerecurring: We will not charge a monthly Loan Administration Charge for your loan. | $0 |
| Renegotiation Fee (Non Credit Critical)when it happens: 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 l | $0 |
| Late Payment Feewhen it happens: Charged when a payment remains unpaid for 30 days or more after it is due. | $20 |
| Lock Rate Feewhen it happens: This fee is payable if you'd like to lock in the interest rate at the time of your application for up to 90 days. | $750 |
| Lodgement Feewhen it happens: Payable for each document that ANZ lodges or registers with any person or authority in respect of your loan or any security provided for your loan, where ANZ is | $160 |
| Production Feewhen it happens: Payable for each Certificate or Title or other security document ANZ produces at your request, in connection with your loan. | $160 |
| Settlement Feewhen it happens: Payable each time that ANZ is required to attend a settlement (or attend to an electronic settlement) in relation to any advance made under your Loan, or in rel | $160 |
| Search Feewhen it happens: Payable each time that ANZ obtains information from governmental or regulatory records in connection with the loan/facility or any security. | $50 |
| Renegotiation Fee (Full Credit Critical)when it happens: 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 l | $0 |
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