ANZ · fixed rates · September 2026
Ranked 5 of 22 on the panel.
ANZ’s fixed rates for an owner-occupier at 80% LVR, principal and interest, as at 12 September 2026: 6.34% for 1 year, 6.29% for 2 years, 6.49% for 3 years, 6.59% for 5 years. The cheapest 2-year on the panel is 6.19% from Macquarie and the median is 6.42%. Locking the rate costs $750 per $1m of the loan, or part of it for 90 days. Headline rates from the panel tables, not comparison rates.
What ANZ charges depending on how much of the property you are borrowing, principal and interest.
| LVR | 1 yr | 2 yr | 3 yr | 5 yr |
|---|---|---|---|---|
| up to 60% | 6.34% #7 | 6.29% #5 | 6.49% #9 | 6.59% #8 |
| up to 70% | 6.34% #6 | 6.29% #5 | 6.49% #9 | 6.59% #7 |
| up to 80% | 6.34% #5 | 6.29% #5 | 6.49% #8 | 6.59% #7 |
| up to 90% | 6.79% #13 | 6.74% #10 | 6.94% #16 | 7.04% #12 |
| up to 95% | 6.79% #6 | 6.74% #6 | 6.94% #7 | 7.04% #6 |
The small number is ANZ’s rank among the panel lenders priced on that band, 1 being cheapest. Green row is the 80% tier the headline figures use.
The same grid for investment loans, which every lender prices higher.
| LVR | 1 yr | 2 yr | 3 yr | 5 yr |
|---|---|---|---|---|
| up to 60% | 6.49% #7 | 6.39% #3 | 6.54% #9 | 6.69% #7 |
| up to 70% | 6.49% #6 | 6.39% #3 | 6.54% #8 | 6.69% #7 |
| up to 80% | 6.49% #6 | 6.39% #3 | 6.54% #8 | 6.69% #7 |
| up to 90% | 6.94% #11 | 6.84% #10 | 6.99% #13 | 7.14% #10 |
| up to 95% | 6.94% #4 | 6.84% #3 | 6.99% #4 | 7.14% #3 |
The small number is ANZ’s rank among the panel lenders priced on that band, 1 being cheapest. Green row is the 80% tier the headline figures use.
On a $600,000 loan over 30 years, ANZ’s 2-year rate is $3,710 a month, against $3,671 at the cheapest on the panel: a gap of $39 a month, or about $936 over the term. 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.
Fixed-rate pages for the lenders people search by name.
For an owner-occupier at 80% LVR paying principal and interest, as at 12 September 2026: 1-year 6.34% (ranked 5 of 22 on the panel), 2-year 6.29% (ranked 5 of 22 on the panel), 3-year 6.49% (ranked 8 of 21 on the panel), 5-year 6.59% (ranked 7 of 22 on the panel). Headline rates, not comparison rates. The table on this page has every LVR tier and the investor rates.
On the 2-year term ANZ is 6.29% against a panel median of 6.42% and a cheapest of 6.19% from Macquarie, so it ranks 5 of 22. On a $600,000 loan over 30 years the gap to the cheapest is $39 a month. That is the better half of the panel.
$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.
The 2-year, at 6.29% for an owner-occupier at 80% LVR. ANZ's terms run 1-year 6.34%, 2-year 6.29%, 3-year 6.49%, 5-year 6.59%. When the longer terms are cheaper the lender expects rates to fall; when they are dearer it expects rises.
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.
Priced 12 September 2026, re-priced monthly and after each RBA decision, from the dated lender tables the servicing engine prices from. Headline rates for principal-and-interest loans on a $650,000 loan; not comparison rates, and the rate you are offered depends on your loan and ANZ’s assessment. Arthr Pty Ltd provides marketing and lead-generation services only; credit assistance is provided by 1st Street Pty Ltd, Credit Representative 490057 under Australian Credit Licence 389328.
A broker at 1st Street can tell you whether ANZ’s package waives the lock fee, and which lender beats it on your LVR.