ANZ Fixed Loan (with Breakfree Package)

The certainty of fixed repayments. Bundle your home loan, everyday account and credit card into an ANZ Breakfree package with ongoing benefits and discounts
Category: Home Loans  Last Updated June 18, 2021  Effective January 31, 2020

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Fixed for 2 years, principal and interest, owner occupier, <=80% LVR
Interest Rate
1.94%PA
Comparison Rate
3.24%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 3.73%, Comparison Rate 3.47%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 1.94%, Comparison Rate 3.24%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 3.43%, Comparison Rate 3.47%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 2.04%, Comparison Rate 3.18%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 3.63%, Comparison Rate 3.55%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 2.49%, Comparison Rate 3.26%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 3.83%, Comparison Rate 3.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 2.69%, Comparison Rate 3.3%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 3.83%, Comparison Rate 3.69%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 7.49%, Comparison Rate 5.95%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 7.49%, Comparison Rate 5.81%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 7.49%, Comparison Rate 6.67%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 7.49%, Comparison Rate 6.48%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 2.54%, Comparison Rate 3.91%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 2.74%, Comparison Rate 3.92%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 2.29%, Comparison Rate 3.78%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 2.49%, Comparison Rate 3.8%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 2.44%, Comparison Rate 3.71%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 2.64%, Comparison Rate 3.74%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 2.94%, Comparison Rate 3.79%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 3.14%, Comparison Rate 3.82%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 2.94%, Comparison Rate 3.75%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 3.14%, Comparison Rate 3.79%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 7.49%, Comparison Rate 6.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 7.49%, Comparison Rate 6.09%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 7.49%, Comparison Rate 6.83%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 7.49%, Comparison Rate 6.66%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 2.54%, Comparison Rate 3.9%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 2.29%, Comparison Rate 3.76%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 2.44%, Comparison Rate 3.69%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 2.94%, Comparison Rate 3.76%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 2.94%, Comparison Rate 3.71%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 7.29%, Comparison Rate 5.97%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 7.29%, Comparison Rate 6.51%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.09%, Comparison Rate 3.52%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 1.99%, Comparison Rate 3.41%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.09%, Comparison Rate 3.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.54%, Comparison Rate 3.4%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.74%, Comparison Rate 3.44%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.54%, Comparison Rate 6.06%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.54%, Comparison Rate 6.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 3.78%, Comparison Rate 3.66%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 3.48%, Comparison Rate 3.64%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 3.68%, Comparison Rate 3.71%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 3.88%, Comparison Rate 3.8%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 3.88%, Comparison Rate 3.83%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.54%, Comparison Rate 5.94%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.54%, Comparison Rate 6.58%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.59%, Comparison Rate 4.08%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.34%, Comparison Rate 3.93%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.49%, Comparison Rate 3.85%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.99%, Comparison Rate 3.91%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.99%, Comparison Rate 3.85%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.34%, Comparison Rate 6.09%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.34%, Comparison Rate 6.61%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.59%, Comparison Rate 4.09%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.34%, Comparison Rate 3.95%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.49%, Comparison Rate 3.87%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.99%, Comparison Rate 3.94%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.99%, Comparison Rate 3.88%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.54%, Comparison Rate 6.33%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.54%, Comparison Rate 6.92%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.79%, Comparison Rate 4.1%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.54%, Comparison Rate 3.96%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 2.69%, Comparison Rate 3.9%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 3.19%, Comparison Rate 3.97%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 3.19%, Comparison Rate 3.93%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.54%, Comparison Rate 6.21%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR over 80%
Minimum: 80.01 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.54%, Comparison Rate 6.76%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Offset Additional Information: With an ANZ One offset account, you could offset the amount you owe on your one-year fixed rate home loan and you'll only be charged interest on the difference.
  • Digital Banking Additional Information: Access using ANZ Internet Banking or ANZ App
  • Redraw Additional Information: Not available during fixed rate period. Once your loan reverts to the Standard Variable Rate, the redraw option may be available to allow you access to additional repayments you may have made to your loan.
  • Card Access
  • Other Additional Information: Up to $550 off the ANZ Financial Planning one-off Adviser Service Fee towards your personalised advice
  • Other Additional Information: Discount available on the first year's premium for ANZ Home, Landlord and Car Insurance

 Limitations & Restrictions (Constraints)

  • Min Limit of 20000.00 Additional Information: Minimum loan amount is $20,000

 Document Downloads

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