ANZ home loan rates
Ranked by advertised rate, ANZ's lowest advertised rate we track is 6.64% advertised (6.64% comparison) on the Simplicity PLUS Home Loan - 31st of 31 lenders we track. Rates as at 28 Oct 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.
Its lowest variable home loan rate we track is 6.64% advertised (6.64% comparison) on the Simplicity PLUS Home Loan; its lowest fixed home loan rate we track is 6.69% advertised (7.41% comparison) on the Fixed Rate Home Loan. Rates as at 28 Oct 2026.
We track 7 ANZ owner-occupier products; every figure is read daily from public, standardised open data feeds under the Consumer Data Right. Rates as at 28 Oct 2026. See our methodology.
At the lowest advertised rate we track - 6.64% on the Simplicity PLUS Home Loan - the monthly principal-and-interest repayment on a $600,000 loan over 30 years is about $3,848 a month (an arithmetic example, not a quote or an offer). Rates as at 28 Oct 2026.
ANZ since the 29 Sept 2026 RBA decision
The RBA's cash rate target moved from 4.35% to 4.60% (+25 bp) after its decision announced 29 Sept 2026.
ANZ has changed 2 variable rates in its published data since:
- Simplicity PLUS Home Loan - variable, no-offset, <=60% LVR6.39% → 6.64%(+25 bp)matches the cash rate move
- Standard Variable Home Loan - variable, undiscounted retail rate7.24% → 7.49%(+25 bp)matches the cash rate move
Lenders can announce a change before it takes effect; the tracker shows it once it appears in their published data. The tracker compares the owner-occupier, principal-and-interest variable rates we track, so a change to a loan we don't track won't show here. Dates are the day a new rate first appeared in the lender's feed, which can be after the day the lender changed it. Every lender's status →
ANZ products (7)
| Product | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
Simplicity PLUS Home LoanBig 5ANZ | Variable | 6.64% | 6.64% | 60% | link |
Fixed Rate Home LoanBig 5ANZ | Fixed 1yr | 6.69% | 7.41% | 80% | link |
Fixed Rate Home LoanBig 5ANZ | Fixed 2yr | 6.74% | 7.34% | 80% | link |
Fixed Rate Home LoanBig 5ANZ | Fixed 4yr | 6.89% | 7.27% | 80% | link |
Fixed Rate Home LoanBig 5ANZ | Fixed 3yr | 6.89% | 7.32% | 80% | link |
Fixed Rate Home LoanBig 5ANZ | Fixed 5yr | 6.94% | 7.25% | 80% | link |
Standard Variable Home LoanBig 5ANZ | Variable | 7.49% | 7.49% | 80% | link |
ANZ recent rate changes
7 of ANZ's tracked products changed their advertised rate in the last 30 days. Every change across the board is on the rate changes page.
- Simplicity PLUS Home Loan - variable, no-offset, <=60% LVR6.39% → 6.64%(+25 bp)previous value last seen 8 Oct 2026
- Fixed Rate Home Loan, 2-year term6.49% → 6.74%(+25 bp)previous value last seen 8 Oct 2026
- Fixed Rate Home Loan, 3-year term6.64% → 6.89%(+25 bp)previous value last seen 8 Oct 2026
- Fixed Rate Home Loan, 5-year term6.69% → 6.94%(+25 bp)previous value last seen 8 Oct 2026
- Fixed Rate Home Loan, 4-year term6.64% → 6.89%(+25 bp)previous value last seen 8 Oct 2026
- Standard Variable Home Loan - variable, undiscounted retail rate7.24% → 7.49%(+25 bp)previous value last seen 8 Oct 2026
- Fixed Rate Home Loan, 1-year term6.49% → 6.69%(+20 bp)previous value last seen 8 Oct 2026
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