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ANZ Standard Variable home loan
ANZ Standard Variable 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 7.24% to 7.49%.
Advertised rate
7.49%
headline tier
Comparison rate
7.49%
as published
Last moved
+0.25pp
9 October 2026
Advertised rate, last 30 days. Between 7.24% and 7.49% over the last 30 days.
Every current rate (8)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 80%Loan-to-Value Ratio (LVR) | 7.49% | 7.49% |
| Variable, Owner occupier, P&I, LVR over 80%Loan-to-Value Ratio (LVR) | 7.69% | 7.69% |
| Variable, Owner occupier, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 8.04% | 7.74% |
| Variable, Investor, P&I, LVR up to 80%Loan-to-Value Ratio (LVR) | 8.09% | 8.09% |
| Variable, Owner occupier, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 8.24% | 7.94% |
| Variable, Investor, P&I, LVR over 80%Loan-to-Value Ratio (LVR) | 8.29% | 8.29% |
| Variable, Investor, Interest only, LVR up to 80%Loan-to-Value Ratio (LVR) | 8.34% | 8.21% |
| Variable, Investor, Interest only, LVR over 80%Loan-to-Value Ratio (LVR) | 8.54% | 8.41% |
Rate moves, last 30 days
- 9 October 2026: 8 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR up to 80%, from 7.24% to 7.49%.
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 |
| Progress Payment feewhen it happens: We will not charge a Progress Payment Fee for any progressively drawn loans. | $0 |
| 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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