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ANZ
ANZ
Standard Variable home loan
VariableOwner occupierInterest only
Interest rate
7.99%
per annum, variable
Comparison rate
7.69%
includes fees & charges
Your repayments on this loan
$750,000
$150,000 · 20%
Loan amount
$600,000
30 yrs
Monthly repayment
$4,398
Total interest
$983k
Total cost
$1.58m
Principal $600,000Interest $983k
General estimate only. Not an offer.
Rate history
Tracking since June 2026We started tracking this rate in June 2026. The trend fills in here as the rate changes over time.
Features & benefits
↺
Redraw
Pull back any extra repayments you've made.
＋
Extra repayments
Pay more whenever you like to clear the loan faster.
◷
Offset account
Park savings against your loan and pay interest only on the difference.
Fees
Loan Approval Fee
Loan Administration Charge
Fee amounts vary; confirm the current figures on the lender's site.
At a glance
Max LVR—
Min deposit—
Loan amountFrom $20k
Repayment typeInterest only
How it compares
Same purpose, rate type & termW
Westpac
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
5.96%
comparison
$3,904
/mo
◆
CommBank
Digi Home Loan (Owner Occupied)
6.47%
comparison
$3,844
/mo
M
Macquarie
Macquarie Basic Home Loan
6.52%
comparison
$3,788
/mo
M
Macquarie
Macquarie Offset Home Loan
6.74%
comparison
$3,788
/mo
◎
Track this rate
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Rate last verified 28 Aug 2026
We recheck daily · how we source rates