ANZ mortgage rates: fixed and floating home loan rates

These home loan rates are from ANZ's website, checked on 11 November 2026. ANZ says they were last updated on 30 September 2026.

ANZ fixed rates

• 6 months: 4.79% special, 5.39% standard
• 1 year: 4.99% special, 5.59% standard
• 18 months: 5.29% special, 5.89% standard
• 2 years: 5.35% special, 5.95% standard
• 3 years: 5.59% special, 6.19% standard
• 4 years: no special, 6.39% standard
• 5 years: no special, 6.49% standard

To get the special rates, you need at least 20% equity and your salary paid into an ANZ account. If you don't meet these conditions, ANZ charges its standard rates.

ANZ floating rate

ANZ's floating rate is 6.29%. With a floating rate, you can pay extra or pay off the loan at any time, but it usually costs more than a fixed rate.

Less than 20% equity

If you have less than 20% equity, ANZ charges its standard rates plus a one-off low equity premium on the loan: 0.25% for LVRs of 80% to 85%, 0.75% for 85% to 90% and 2.00% for 90% to 95%. You can pay the premium upfront or add it to your loan. The First Home Loan guide explains how to buy with a smaller deposit.

How ANZ compares

• 6 months: 4.79%, the lowest, tied with ASB and BNZ
• 1 year: 4.99%, the lowest, tied with ASB and BNZ
• 18 months: 5.29%, 0.10 points above 5.19% at Westpac
• 2 years: 5.35%, 0.06 points above 5.29% at Westpac
• 3 years: 5.59%, the lowest, tied with ASB, BNZ, Westpac and Kiwibank
• 4 years: 6.39%, 0.74 points above 5.65% at ASB, BNZ and Westpac
• 5 years: 6.49%, 0.74 points above 5.75% at ASB, BNZ and Westpac

The mortgage rates comparison shows each bank's rate for every term.

Repayments at ANZ's 1-year rate

On a $630,000 loan over 30 years at 4.99%, the fortnightly repayment is $1,558.38. $630,000 is about the national median house price less a 20% deposit. Use the mortgage calculator to see your own repayments at this rate.

Common questions