Big four bank headquartered in Melbourne whose new home loans carry no package or ANZ set-up or ongoing fees. It owns Suncorp Bank, bought in 2024, and lends to households and businesses, including GoBiz online business loans and vehicle and equipment finance.
Australia and New Zealand Banking Group is one of Australia’s four major banks. It offers home loans, car loans, business loans, equipment finance and personal loans.
On APRA’s August 2026 figures, Australia and New Zealand Banking Group Limited held $333.2 billion of home loans on its Australian books: 13.3% of the housing lending by the deposit-taking institutions APRA reports, the 4th largest of the 64 with home loans.
We checked ANZ's products and eligibility on its own website on 30 September 2026.
What ANZ offers in each category, with the features, eligibility and trade-offs we note. For the current rate on each product, follow the link to ANZ’s own rate card.
ANZ's home loans include the ANZ Standard Variable home loan, which can link to an ANZ One Offset account for $10 a month, the ANZ Simplicity PLUS basic variable loan with no offset, and the ANZ Fixed Rate home loan, with fixed terms of 1, 2, 3, 4, 5, 7 and 10 years. Each has a residential investment version. The ANZ Standard Variable loan has a minimum new loan amount of $20,000 and a maximum loan term of 30 years. ANZ also offers the ANZ Plus home loan for refinancing between $10,000 and $2,000,000 through its ANZ Plus app.
ANZ's personal loans are the ANZ Fixed Rate Loan and the ANZ Variable Rate Loan, both unsecured and available from $5,000 to $75,000 over 1 to 7 years. The variable loan allows extra repayments, early payout and redraw without additional costs, while early repayment charges may apply to the fixed loan. ANZ lists buying a new or used car, including electric and hybrid vehicles, among the uses for these loans.
The ANZ Business Loan starts at $10,000, can be secured or unsecured with a fixed or variable rate, and has terms of 1 to 30 years, with the longest terms for loans under $5 million secured by suitable residential or commercial property. Through ANZ GoBiz, businesses can apply online for an unsecured loan of $10,000 to $200,000 over up to 7 years on a variable rate or 3 years on a fixed rate. Vehicle and equipment finance covers business car loans and business equipment loans (also known as chattel mortgages) secured by the asset, plus equipment or car leases and hire purchase over 1 to 7 years.
ANZ's home loans cover buying a first or next home, investing in property and refinancing, and applicants must be over 18, an Australian or New Zealand citizen or permanent resident, and have their primary income in Australian dollars. ANZ participates in the Australian Government 5% Deposit Scheme, which is designed for first home buyers with a minimum 5% deposit, or single parents with 2%, and removes the need for Lenders Mortgage Insurance. Otherwise, Lenders Mortgage Insurance is usually required when the LVR is more than 80%. For eligible self-employed borrowers, ANZ says only one year's tax return is typically required.
Personal loan applicants must be at least 18, earn at least $15,000 a year and be an Australian citizen, a permanent resident or hold a valid visa, and working holiday visas are not accepted. Business loan applicants must be 18 or older, be a sole trader or a director who is the key financial decision maker for the business, and use the loan for business purposes. Vehicle and equipment finance also requires Australian citizenship or permanent residency, a current ABN and an asset used mostly for business, while ANZ GoBiz applicants need at least 6 months of trading under their current ABN or ACN.
An ANZ home loan application can be started online in under 5 minutes with a Quick Start application, after which ANZ calls back within 24 to 48 hours, and no credit check is done until ANZ has spoken with you. You can also apply at an ANZ branch, through an ANZ Mobile Lender who can meet when and where it suits you, or through an ANZ accredited broker, or book a phone, video or branch appointment with a home loan specialist. ANZ Mobile Lenders operate under an ANZ Mortgage Solutions franchise. The ANZ Plus home loan is applied for and managed in the ANZ Plus app.
Personal loans can be applied for online or in a branch, and joint applicants must apply in a branch. ANZ GoBiz lets businesses apply online for unsecured loans and most business vehicle loans by connecting their accounting software, with conditional approval on unsecured loans in 20 minutes if eligible. Other business loans and vehicle and equipment finance are arranged with a business banking specialist through an online enquiry, a phone call or a phone appointment.
ANZ says its history dates back to 1828 and the opening of the Cornwall Bank in Launceston. The Bank of Australasia, whose first branch in Sydney was established by George Kinnear after he sailed from London in 1835, joined with the Union Bank of Australia in 1951 to form ANZ Bank. ANZ Bank merged with the English, Scottish and Australian Bank in 1970 to become Australia and New Zealand Banking Group Limited, and in 2024 ANZ completed its purchase of Suncorp Bank from Suncorp Group Limited.
Since 2023, ANZ Group Holdings Limited has been the listed parent company of the ANZ Group and is an authorised non-operating holding company under the Australian Banking Act. ANZ's world headquarters are in Melbourne, and it serves over 8.5 million retail and business customers across close to 30 markets. Its lending on anz.com.au is provided by Australia and New Zealand Banking Group Limited (ABN 11 005 357 522), which holds Australian credit licence 234527.
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Simplicity Plus, Breakfree Package, fixed terms 1 to 5 years. What ANZ offers, where the package discount matters, and how to read the rate card.
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ANZ sold its Esanda dealer-finance book to Macquarie in 2016 and kept asset finance as a business-bank product. What ANZ writes today, how its equipment loans are structured, and which files it prices well.
Yes. An ANZ One Offset account can be linked to an ANZ Standard Variable home loan or a 1-year ANZ Fixed Rate home loan, and you only pay interest on the difference between the loan and the offset balance. A fee of $10 per month applies. The ANZ Simplicity PLUS home loan has no offset, and the ANZ Plus home loan allows one linked offset account for a $10 monthly fee.
Not a secured car loan for personal buyers. ANZ finances car purchases through its unsecured ANZ Fixed Rate Loan and ANZ Variable Rate Loan, from $5,000 to $75,000 over 1 to 7 years, which can be used for new or used cars, including electric and hybrid vehicles. For businesses, ANZ business car loans are secured by the vehicle, and the business owns it from day one.
The ANZ Fixed Rate Loan and ANZ Variable Rate Loan both let you borrow from $5,000 to $75,000 over 1 to 7 years without providing an asset as security. Each has a $150 loan approval fee and a $10 monthly loan administration charge. Your interest rate is set using your Equifax credit score, and for joint applications it is based on the lower of the two applicants' scores.
Yes. The Quick Start application takes under 5 minutes and can be used for pre-approval, a new home loan, refinancing or topping up an existing ANZ loan. ANZ then calls within 24 to 48 hours to progress the application, and no credit check is done until ANZ has spoken with you. You must be over 18, an Australian or New Zealand citizen or permanent resident, and have your primary income in Australian dollars.
ANZ Fixed Rate home loans come with fixed terms of 1, 2, 3, 4, 5, 7 and 10 years. On 1 to 5 year terms you can apply to lock in a rate for up to 90 days before drawdown, for a fee of $750 per $1 million of lending. Each year of the fixed period you can repay up to the lesser of 5% of the loan amount or $5,000 without an early repayment cost, and when the fixed term ends the loan switches to a variable rate.
No. ANZ says there is no home loan package and no ANZ set up or ongoing fees when you get a new home loan or refinance to ANZ. Other fees can still apply, including late payment fees, lock rate fees, early repayment costs on fixed rate loans and the $10 monthly fee for an ANZ One Offset account.
Yes. ANZ’s loans are provided by Australia and New Zealand Banking Group Limited, which is on APRA’s register of authorised deposit-taking institutions (ADIs), the list of banks, building societies and credit unions licensed under the Banking Act 1959. It is one of Australia’s four major banks.
Australia and New Zealand Banking Group Limited holds Australian Credit Licence 234527, the licence ANZ operates under. You can check a licence on ASIC’s Professional Registers before you apply.