ANZ · fixed rates · November 2026
ANZ fixed rates6.74% for 2 years
9 of 21 lenders are cheaper. Newcastle Permanent’s 6.49% is $100 a month less on $600,000.
ANZ’s rates for a home you live in with a 20% deposit, checked 10 November 2026. Investing? The 2-year investor rate is 6.84%; interest-only isn’t listed here.
Ask who beats 6.74% on your loanWho beats 6.74%?ArthrOpens a chat with your question filled in; nothing is sent until you press send. The broker is 1st Street Pty Ltd, Credit Representative 490057 under Australian Credit Licence 389328.
- 1-year fixed
- 6.69%7 of 21 cheaper
- 2-year fixed
- 6.74%9 of 21 cheaper
- 3-year fixed
- 6.89%13 of 20 cheaper
- 5-year fixed
- 6.94%5 of 21 cheaper
The Reserve Bank lifted the cash rate 0.25 points to 4.85% on 3 November. ANZ had not changed its fixed rates when we priced them on 10 November 2026. It is lifting variable rates by 0.25 points from 13 November (ANZ’s announcement).
Which one are you?
The same rates, read for the four reasons people look them up.
Your ANZ fixed term is ending
When it ends the loan rolls onto a variable rate unless you re-fix. ANZ’s rate for a new 2-year fix is 6.74%, and Newcastle Permanent is at 6.49%. Ask ANZ what it will re-fix you at and compare it with that. There’s no break cost once the term has ended.
You’re buying an investment property
ANZ’s 2-year investor rate is 6.84% with a 20% deposit, principal and interest; 8 of 22 lenders are cheaper. Interest-only rates aren’t on this page. Every investor rate.
Your deposit is under 20%
With a 10% deposit the 2-year is 7.19%, and 15 of 19 lenders are cheaper. Lenders mortgage insurance, a one-off cost that protects the lender, usually applies below 20%, though some lenders waive it for doctors, lawyers and other professions.
You’re buying and settling soon
The rate you get is the one on settlement day unless you lock it. Locking the rate holds it for 90 days and costs $750 per $1m of the loan, or part of it. How the ANZ rate lock works.
Every rate, for a home you live in
By deposit and term, principal and interest. The small number is where ANZ ranks on that rate: #1 is the cheapest, and lenders on the same rate share a place.
| Deposit | 1 yr | 2 yr | 3 yr | 5 yr |
|---|---|---|---|---|
| 40% deposit (60% LVR) | 6.69% #11 | 6.74% #12 | 6.89% #15 | 6.94% #7 |
| 30% deposit (70% LVR) | 6.69% #11 | 6.74% #11 | 6.89% #15 | 6.94% #7 |
| 20% deposit (80% LVR) | 6.69% #8 | 6.74% #10 | 6.89% #14 | 6.94% #6 |
| 10% deposit (90% LVR) | 7.14% #13 | 7.19% #16 | 7.34% #16 | 7.39% #14 |
| 5% deposit (95% LVR) | 7.14% #9 | 7.19% #11 | 7.34% #10 | 7.39% #11 |
The underlined row, a 20% deposit, is the one the figures at the top use.
Every rate, for an investment property
The same table for investment loans, principal and interest. Investor rates are usually higher, though not on every row.
| Deposit | 1 yr | 2 yr | 3 yr | 5 yr |
|---|---|---|---|---|
| 40% deposit (60% LVR) | 6.84% #10 | 6.84% #9 | 6.89% #9 | 7.04% #9 |
| 30% deposit (70% LVR) | 6.84% #10 | 6.84% #9 | 6.89% #9 | 7.04% #9 |
| 20% deposit (80% LVR) | 6.84% #10 | 6.84% #9 | 6.89% #9 | 7.04% #9 |
| 10% deposit (90% LVR) | 7.29% #16 | 7.29% #17 | 7.34% #14 | 7.49% #13 |
| 5% deposit (95% LVR) | 7.29% #5 | 7.29% #5 | 7.34% #5 | 7.49% #4 |
Ranks are among the lenders that price each investor rate, so the count can differ from the owner-occupier table.
What the rate costs, and what the lock costs
On a $600,000 loan over 30 years, ANZ’s 2-year rate is $3,888 a month, against $3,788 at the cheapest lender: a gap of $100 a month, or about $2,400 over the 2-year fix. What that comes to at your balance is on the repayments pages, and how ANZ’s variable rates compare is on the rate monitor.
The rate above is the rate on the day the loan settles unless you lock it. ANZ’s Lock Rate Fee is $750 per $1m of the loan, or part of it, holding the rate for 90 days; $750 on this loan. Against it, a quarter-point rise before settlement costs about $3,000 over a 2-year term. Detail and the lender’s own wording on the ANZ rate lock page.
Leaving before the term ends means a break cost. How ANZ quotes it, and the discharge form when you go, is on the ANZ discharge page.
Other lenders
Fixed-rate pages for the lenders people search by name.
Questions
What are ANZ's fixed home loan rates right now?
For an owner-occupier at 80% LVR paying principal and interest, as at 10 November 2026: 1-year 6.69% (7 of 21 cheaper), 2-year 6.74% (9 of 21 cheaper), 3-year 6.89% (13 of 20 cheaper), 5-year 6.94% (5 of 21 cheaper). Not comparison rates. The tables on this page have every deposit size and the investor rates.
Is ANZ's fixed rate competitive?
On the 2-year term ANZ is 6.74%, against a middle rate of 6.74% and a cheapest of 6.49% from Newcastle Permanent; 9 of the 21 lenders we track are cheaper. On a $600,000 loan over 30 years the gap to the cheapest is $100 a month. That is in the cheaper half.
How much is the ANZ rate lock fee?
$750 per $1m of the loan, or part of it, holding the rate for 90 days. On a $600,000 loan that is $750. The rate current on the day you pay the fee, held for 90 days from payment. Full detail on the ANZ rate lock page.
Which ANZ fixed term is cheapest?
The 1-year, at 6.69% with a 20% deposit. ANZ's terms run 1-year 6.69%, 2-year 6.74%, 3-year 6.89%, 5-year 6.94%.
What does it cost to break an ANZ fixed rate?
There is no set figure. ANZ calls it "Early Repayment Cost" and works it out on the day from the move in wholesale rates since you fixed. To get a quote: call ANZ Home Loan Enquiries on 13 25 99 or ask at a branch. The quote is good for that day; the actual cost is set on the day you repay. Detail on the ANZ discharge page.
Checked 10 November 2026, and again each month and after each RBA decision, from the dated lender rate tables 1st Street’s brokers price loans from. Rates for principal-and-interest loans, priced at a $650,000 loan; the monthly figures use $600,000. Not comparison rates, and the rate you are offered depends on your loan and ANZ’s assessment.
Fixing with ANZ?
A broker at 1st Street can tell you which lender beats 6.74% at your deposit and loan size, and what to ask ANZ before you re-fix.
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