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 Westpac
Compare ANZ and Westpac home loans in March 2026. ANZ offers rates from 5.74% p.a. across 104 products, while Westpac starts at 5.79% p.a. with 179 products. ANZ currently has the lower rate by 0.05%.
VS
179 live products
Westpac
Best available rate
5.79%p.a.
Fixed Rate Home Loan (Investment Fixed 1 Yr)
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
6.45%
Offset
Not included
Redraw
Included
Live edge
ANZ is lower on headline home loan rate by 0.05%, which is roughly $21 per month on a $500,000 loan.
0.05% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | ANZ | Westpac |
|---|---|---|
| Interest rate | 5.74% | 5.79% |
| Comparison rate | 7.17% | 6.45% |
| Offset account | Yes | No |
| Redraw | Yes | Yes |
All ANZ Products
Every tracked home loans option from ANZ.
All Westpac Products
Every tracked home loans option from Westpac.
ANZ's lowest variable rate is 5.74% p.a. (comparison rate 7.17%) while Westpac starts at 5.79% p.a. (comparison rate 6.45%). ANZ is 0.05% lower, which saves approximately $21/month on a $500,000 loan.
Key features: ANZ includes offset, ANZ includes redraw, Westpac includes redraw.
Quick Comparison
| Feature | ANZ | Westpac |
|---|---|---|
| Interest Rate | 5.74% | 5.79% |
| Comparison Rate | 7.17% | 6.45% |
| Offset Account | Yes | No |
| Redraw Facility | Yes | Yes |
Common Questions
ANZ vs Westpac FAQs
Which bank has a lower home loan rate, ANZ or Westpac?
ANZ currently offers the lower variable rate at 5.74% p.a. compared to 5.79% p.a. Always check the comparison rate for a true cost picture.
Do ANZ and Westpac home loans have offset accounts?
ANZ offers an offset account. Westpac does not include 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 Westpac's lowest home loan rate in 2026?
Westpac's lowest variable rate is 5.79% p.a. (comparison rate 6.45%) on the Fixed Rate Home Loan (Investment Fixed 1 Yr).