Variable
Breakfree Standard Variable
- 100% offset
- Unlimited extra repayments
- Redraw
Current rate: published on ANZ's own rate card
Major bank
Australia and New Zealand Banking Group
MelbourneFounded 1835ACL/Banking Licence 234527
Strengths
- Breakfree Package bundles home loan, account and credit card
- Strong SME and commercial banking
- Suncorp Bank acquisition gives strong QLD presence
- Globally-active corporate bank
Watch out for
- Breakfree annual fee of $395
- Investor pricing margin slightly above peers
ANZ products
Editorial reference covering the product range ANZ offers and the structural strengths and trade-offs we observe in the market. The current headline rate and comparison rate sit on ANZ\'s own rate card; we do not reproduce them here.
Home loans
Fixed 2yr
Fixed 2 Years (Breakfree)
- Fixed term certainty
Current rate: published on ANZ's own rate card
Fixed 3yr
Fixed 3 Years (Breakfree)
- Mid-term fixed certainty
Current rate: published on ANZ's own rate card
Investor variable
Breakfree Investor Variable
- 100% offset
- Interest-only available
Current rate: published on ANZ's own rate card
Personal loans
Unsecured
Personal Loan Unsecured
- Fixed rate
- No security
Current rate: published on ANZ's own rate card
Our ANZ coverage
- ANZ home loans: the deep dive
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.
- ANZ personal loans: the deep dive
Unsecured variable and fixed-rate personal loan up to $50,000. The product range, the practical positioning, and where ANZ sits against the rest of the Big 4.
- ANZ equipment finance: the deep dive
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.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
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The Australia and New Zealand Banking Group rates above are publisher reference. The right product for your situation depends on income, deposit, credit profile, security and serviceability, and that comparison is what a broker does.
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