104 live products
ANZ
Best available rate
5.74%p.a.
Anz Fixed Rate Home Loan (Investment Fixed 1 Yr)
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
7.17%
Offset
Included
Redraw
Included
Finding the best rates…
Home Loans Comparison
Bank One
ANZ
Best available
From 5.74% p.a.
Line-up
104 live products
VS
ANZ vs Up
Compare ANZ and Up home loans in March 2026. ANZ offers rates from 5.74% p.a. across 104 products, while Up starts at 5.45% p.a. with 6 products. Up currently has the lower rate by 0.29%.
Bank Two
VS
6 live products
Up
Best available rate
5.45%p.a.
Up Home Loan (Variable)
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
5.45%
Offset
Included
Redraw
Included
Live edge
Up is lower on headline home loan rate by 0.29%, which is roughly $121 per month on a $500,000 loan.
0.29% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | ANZ | Up |
|---|---|---|
| Interest rate | 5.74% | 5.45% |
| Comparison rate | 7.17% | 5.45% |
| Offset account | Yes | Yes |
| Redraw | Yes | Yes |
All ANZ Products
Every tracked home loans option from ANZ.
All Up Products
Every tracked home loans option from Up.
ANZ's lowest variable rate is 5.74% p.a. (comparison rate 7.17%) while Up starts at 5.45% p.a. (comparison rate 5.45%). Up is 0.29% lower, which saves approximately $121/month on a $500,000 loan.
Key features: ANZ includes offset, ANZ includes redraw, Up includes offset, Up includes redraw.
Quick Comparison
| Feature | ANZ | Up |
|---|---|---|
| Interest Rate | 5.74% | 5.45% |
| Comparison Rate | 7.17% | 5.45% |
| Offset Account | Yes | Yes |
| Redraw Facility | Yes | Yes |
Common Questions
ANZ vs Up FAQs
Which bank has a lower home loan rate, ANZ or Up?
Up currently offers the lower variable rate at 5.45% p.a. compared to 5.74% p.a. Always check the comparison rate for a true cost picture.
Do ANZ and Up home loans have offset accounts?
ANZ offers an offset account. Up offers an offset account.
What is ANZ's lowest home loan rate in 2026?
ANZ's lowest variable rate is 5.74% p.a. (comparison rate 7.17%) on the Anz Fixed Rate Home Loan (Investment Fixed 1 Yr).
What is Up's lowest home loan rate in 2026?
Up's lowest variable rate is 5.45% p.a. (comparison rate 5.45%) on the Up Home Loan (Variable).