ANZ offer their personal customers both home and personal loans. They have a range of home loans including: a standard variable home loan, basic variable home loan and fixed rate home loan. Home loan packages/discounts are also available on eligible variable and fixed ANZ home loans. ANZ offer a variable rate and fixed rate personal loan to their customers. The variable rate personal loan allows you to make extra repayments whenever you can, and gives you the ability to redraw on additional loan repayments you have made if required. The interest rate may fluctuate over the period of the loan. Whereas the fixed rate personal loan interest rate will not fluctuate and requires fixed loan repayments.