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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 May 20, 2021  Effective January 31, 2020

 General Lending Rates

Rates listed below are for a FIXED OWNER_OCCUPIED PRINCIPAL_AND_INTEREST. Additional Information Fixed for 1 years, principal and interest, owner occupier, <=80% LVR
Interest Rate
2.04%PA
Comparison Rate
3.33%PA*
Product rates will vary depending upon your financial position. 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.

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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: 2.04%, Comparison Rate 3.26%
  • 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: 2.24%, Comparison Rate 3.18%
  • 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: 2.24%, Comparison Rate 3.13%
  • 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: 2.44%, Comparison Rate 3.8%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR 80% and Under
  • Lending Rate Type: Fixed
  • Interest Rate: 2.64%, Comparison Rate 3.82%
  • 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: 2.44%, Comparison Rate 3.79%
  • 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: 2.09%, Comparison Rate 3.42%
  • 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: 2.29%, Comparison Rate 3.32%
  • 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: 2.29%, Comparison Rate 3.26%
  • 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: 2.49%, 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: 2.49%, 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: 2.49%, Comparison Rate 3.97%
  • 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: 2.69%, Comparison Rate 3.99%
  • 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

 Product Eligibility

  • Min Age - 18. Additional Information: You must be 18 years of age or older to apply
  • Residency Status - Australian Citizens, New Zealand Citizens Or Australian Permanent Residents.
  • Other - Applicant's Primary Income Is In Australian Dollars. Additional Information: Applicant's primary income is in Australian Dollars
  • Other - Breakfree Package Is Not Available On Loans In A Company And/or Trust Name. Additional Information: Breakfree package is not available on loans in a company and/or trust name

 Bank Fees and Charges

  • Breakfree Package Fee (Periodic), Amount: 395.00. Additional Information: This annual fee is for ANZ Breakfree customers obtaining discounts and benefits under the 'ANZ Breakfree Terms and Conditions'. For a single fee, multiple eligible loans/facilities can be included under a Breakfree Package. Refer to ANZ Breakfree Terms and Conditions for further information.
  • Loan Approval Fee (Upfront), Amount: 0.00. Additional Information: $600 payable for approved applications at the time the loan is drawn down, for a new loan/facility or to convert an existing loan/facility to a loan/facility. For split loans, $600 is payable for the first loan, $200 for each further loan. This fee is waived when the loan is under a Breakfree package. Please refer to ANZ Personal Banking General Fees and Charges booklet for further information.
  • Valuation Administration Fee (Variable), Amount: 0.00. Additional Information: Payable where ANZ needs to order a valuation of any property that has been mortgaged to ANZ as a security for your Loan. This fee is waived when the loan is under a Breakfree package. Refer to ANZ Personal Banking General Fees and Charges booklet and ANZ Breakfree Terms and Conditions for further information, which can be found on anz.com.
  • Guarantee Administration Fee (Event), Amount: 200.00. Additional Information: Payable for each guarantee taken by ANZ for the purpose of securing your loan/facility. Refer to ANZ Personal Banking General Fees and Charges booklet for further information.
  • Loan Administration Charge (Periodic), Amount: 0.00. Additional Information: Loan Administration Fee of $10 is payable monthly in arrears. This fee is waived when the loan is under a Breakfree package. Refer to ANZ Personal Banking General Fees and Charges booklet and ANZ Breakfree Terms and Conditions for further information, which can be found on anz.com.
  • Renegotiation Fee (Variable), Amount: 0.00. Additional Information: If you renegotiate or convert your loan, ANZ may charge a $200 renegotiation fee however a $350 renegotiation fee will be charged in the below scenarios: – there is a change to the borrowers or guarantors, the term or amount of the loan/facility or the security provided for the loan/facility; – repayments are changing to interest-only repayments, an interest only period is being extended or there is a change from interest in arrears to interest in advance or vice versa; – two or more loans are being combined into a single loan; – a loan is converted to a facility or vice versa; – a Lenders Mortgage Insurance premium would become payable as a result of the change This fee is waived for loans under the ANZ Breakfree Package. Please refer to ANZ Personal Banking General Fees and Charges booklet for further information.
  • Late Payment Fee (Event), Amount: 20.00. Additional Information: 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 Charges booklet for further information.
  • Lock Rate Fee (Event), Amount: 750.00. Additional Information: This fee is payable if you'd like to lock in the interest rate at the time of your application for up to 90 days. The Lock Rate fee will be $750 for every $1M of lending. Refer to ANZ Personal Banking General Fees and Charges booklet for further information.
  • Progress Payment Fee (Event), Amount: 250.00. Additional Information: One off fee charged in respect of a loan that is progressively drawn and is payable at the time of the first progress payment drawn down under the loan. Refer to ANZ Personal Banking General Fees and Charges booklet for further information.
  • Early Repayment Cost (Variable), Amount: 0.00. Additional Information: You may have to pay this if you pay your loan off in full, make an early or extra repayment, or make certain other changes to your loan, during any fixed-rate period. This is calculated specifically related to the individual event. More details and method of calculation are given in the ANZ Consumer Lending Terms and Conditions booklet under the heading 'Repaying your loan early or making other changes to your loan during a fixed interest rate period'. This booklet can be found on anz.com.
  • Lodgement Fee (Event), Amount: 160.00. Additional Information: 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 register that document. This fee is not charged on establishment as the costs are covered by the Loan/Facility Approval fee. Refer to ANZ Personal Banking General Fees and Charges booklet for further information.
  • Production Fee (Event), Amount: 160.00. Additional Information: Payable for each Certificate or Title or other security document ANZ produces at your request, in connection with your loan. Refer to ANZ Personal Banking General Fees and Charges booklet for further information.
  • Settlement Fee (Event), Amount: 160.00. Additional Information: 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 varied in respect of your Loan. The fee is payable on the date of the settlement and is not dependent on the settlement being successful. This fee is not charged on establishment as the costs are covered by the Loan/Facility Approval fee. Refer to ANZ Personal Banking General Fees and Charges booklet for further information.
  • Search Fee (Event), Amount: 50.00. Additional Information: 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 as the costs are covered by the Loan/Facility Approval fee. Refer to ANZ Personal Banking General Fees and Charges booklet for further information.

 Limitations & Restrictions (Constraints)

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

 Document Downloads

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