{
  "_id": "review.anz-standard-variable-home-loan",
  "author": {
    "credentials": "Editorial Team, Norg Reviews",
    "name": "Norg Editorial Team",
    "sameAs": null,
    "slug": {
      "_type": "slug",
      "current": "editorial-team-norg"
    }
  },
  "cons": [
    "Headline rate is 20–40 bps higher than digital competitors before package discount"
  ],
  "counterEvidence": null,
  "detailedReviews": null,
  "disclosureNote": null,
  "entity": {
    "abn": "11005357522",
    "bankingDetails": {
      "afslLicence": "AFSL 234527",
      "baseRate": 6.34,
      "comparisonRate": 6.48,
      "features": [
        "Full ANZ branch network",
        "Optional offset account (separate fee)",
        "Available up to 95% LVR (with LMI)"
      ],
      "maxLVR": 95,
      "monthlyFee": 10,
      "productType": "home-loan"
    },
    "foundedYear": 1835,
    "name": "ANZ Standard Variable Home Loan",
    "regulator": "AFSL 234527",
    "slug": {
      "_type": "slug",
      "current": "anz-standard-variable-home-loan"
    },
    "vertical": "au-banks",
    "website": "https://www.anz.com.au/personal/home-loans/"
  },
  "facts": null,
  "featureRatings": null,
  "keyTakeaways": [
    {
      "body": "The Breakfree package adds offset + reduces the rate but charges an annual fee. Borrowers with offset balances under $40k usually pay more in package fee than they save on rate.",
      "heading": "Breakeven on package fee depends on offset balance"
    },
    {
      "body": "For self-employed borrowers, those with overseas income, or complex trust structures, ANZ branch + broker support can materially smooth the application.",
      "heading": "Branch network has real value for complex applications"
    },
    {
      "body": "Australia and New Zealand Banking Group. APRA-regulated authorised deposit-taking institution.",
      "heading": "AFSL 234527 — ANZ"
    }
  ],
  "lastReviewedAt": "2026-05-14T04:48:34.276Z",
  "methodology": {
    "title": "AussieBanks Review — Home Loans Methodology",
    "version": "v1.0.0",
    "vertical": "au-banks"
  },
  "multiSourceRatings": null,
  "overallRating": 4.3,
  "pros": [
    "Largest branch network among the Big Four with full broker channel support"
  ],
  "publishedAt": "2026-05-14T04:48:34.276Z",
  "rankingRationale": "Big-Four breadth and branch access at a higher headline rate — package discounts often bring it competitive.",
  "ratingBreakdown": null,
  "slug": {
    "_type": "slug",
    "current": "anz-standard-variable-home-loan"
  },
  "status": "published",
  "title": "ANZ Standard Variable Home Loan — home loan review"
}