ANZANZ 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.
At a glance
- Variable (owner occ. P&I)
- 7.49%7.49% comparison
- Variable (investor P&I)
- 8.09%
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 7.49% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 101st lowest of 104 |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 8.09% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 101st lowest of 104 |
Rates
Every rate ANZ publishes for this home loan, 8 in all.
Variable rate by LVR
Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- ≤80%7.49%
- >80.01%7.69%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableInterest Only, Investment, LVR 80% and under | Investment, Interest only | - | ≤80% LVR | 8.34% | 8.21% | - |
| VariableInterest Only, Investment, LVR over 80% | Investment, Interest only | - | >80.01% LVR | 8.54% | 8.41% | - |
| VariablePrincipal and Interest, Investment, LVR 80% and under | Investment, P&I | - | ≤80% LVR | 8.09% | 8.09% | - |
| VariablePrincipal and Interest, Investment, LVR over 80% | Investment, P&I | - | >80.01% LVR | 8.29% | 8.29% | - |
| VariableInterest Only, Owner Occupied, LVR 80% and under | Owner occupied, Interest only | - | ≤80% LVR | 8.04% | 7.74% | - |
| VariableInterest Only, Owner Occupied, LVR over 80% | Owner occupied, Interest only | - | >80.01% LVR | 8.24% | 7.94% | - |
| VariablePrincipal and Interest, Owner Occupied, LVR 80% and under - Discounted Rate | Owner occupied, P&I | - | ≤80% LVR | 7.49% | 7.49% | - |
| VariablePrincipal and Interest, Owner Occupied, LVR over 80% | Owner occupied, P&I | - | >80.01% LVR | 7.69% | 7.69% | - |
Rate changes
8 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Variable, Investment, Interest only, ≤80% LVR | 8.09% | 8.34% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, Interest only, >80.01% LVR | 8.29% | 8.54% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, ≤80% LVR | 7.84% | 8.09% | up 0.25 |
| 9 Oct 2026 | Variable, Investment, P&I, >80.01% LVR | 8.04% | 8.29% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, Interest only, ≤80% LVR | 7.79% | 8.04% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, Interest only, >80.01% LVR | 7.99% | 8.24% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, ≤80% LVR | 7.24% | 7.49% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I, >80.01% LVR | 7.44% | 7.69% | up 0.25 |
Each change is logged the night it appears in the rates ANZ publishes. See how every lender answered the RBA on the rate tracker.
Fees
19 fees published, grouped by when they're charged.
- When you take it outNo feeLoan Approval Fee
- While you hold itNo feeLoan Administration Charge
- When you close it or pay it offNo fee published
When you take it out1
- 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 furth…
No fee
While you hold it1
- Loan Administration Charge
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.
No fee
When particular things happen10
- 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 f…
No fee - Late Payment Fee
Charged when a payment remains unpaid for 30 days or more after it is due. A further fee is payable monthly when the loan continues to be in arrears. Refer to ANZ Personal Banking General Fees and Ch…
$20 - Lodgement Fee
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 required or entitled to lodge or regis…
$160 - Production Fee
Payable for each Certificate or Title or other security document ANZ produces at your request, in connection with your loan. This fee is not charged on establishment of your loan. Refer to ANZ Person…
$160 - Progress Payment fee
We will not charge a Progress Payment Fee for any progressively drawn loans. Refer to ANZ Personal Banking General Fees and Charges booklet for further information.
No fee - Renegotiation Fee (Full 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 Ban…
No fee - 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 Ban…
No fee - Search Fee
Payable each time that ANZ obtains information from governmental or regulatory records in connection with the loan/facility or any security. This fee is not charged on establishment of your loan. Ref…
$50 - Settlement Fee
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 relation to any securities provided or var…
$160 - 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…
No fee
Other fees7
- Discharge of Mortgage
Payable to the government body when discharging an existing mortgage over a property. Refer to the relevant state/territory revenue office for the amount.
Varies - Enforcement expenses
Expenses payable in the event of default. You will be required to pay expenses reasonably incurred by ANZ in enforcing or preserving its rights under your agreement or any security interest provided…
Varies - Lenders Mortgage Insurance
Lenders Mortgage Insurance protects your lender in the event that you default on your home loan and there is a 'shortfall'. A shortfall happens when the proceeds from the sale of your home are not en…
Varies - Other Services
If we deal with, vary or supplement our security documentation to comply with your requirements, we may charge a fee. An estimate of the fee can be provided once your specific requirements have been…
Varies - Registration of Mortgage
Payable to the government body when registering a mortgage over a property. Refer to the relevant state/territory revenue office for the amount.
Varies - Stamp Duty - Mortgage Document
Generally, stamp duty and other fees are normally payable at settlement when purchasing a new property. The amount is determined by the state or territory revenue office.
Varies - Stamp Duty - Transfer Land
Generally, stamp duty and other fees are normally payable at settlement when purchasing a new property. The amount is determined by the state or territory revenue office.
Varies
Features
Eligibility and limits
- Minimum age 18
- Residency: Australian citizens, New Zealand citizens or Australian permanent residents
- Amount from $20,000, no maximum
- Applicant's primary income is in Australian Dollars
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Published by ANZ under the Consumer Data Right, last changed by them on 9 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.