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The information on this page does not apply to ANZ Plus products
If you're buying your first home, you could get $3,000 to spend however you like, plus support from an ANZ First Home Coach. Available to eligible first home buyers with an ANZ home loan of $250,000 or more.
Drawdown within 180 days of applying, bonus paid after settlement. Eligibility criteria and T&Cs apply. disclaimer
Use our home loan borrowing power calculator to estimate how much you may be able to borrow based on your current financial situation.
Quickly compare estimated costs when deciding to either buy, sell or renovate your current or future property with our Next Home calculator.
Ready to get started? Take the next step towards your home buying journey by providing details about:
One of our home loan specialists will get in touch to progress with your application.
Call back time is 1-3 business days.
Not ready to apply but want to speak with a home loan specialist? Get in touch another way
Get $2,000 cashback to spend on whatever you like when borrowing 80% or less of the property value.disclaimer
On eligible loans of $250,000 or more refinanced to ANZ (including any new lending as part of the refinance). See our terms and conditions below.disclaimer
Use our home loan repayment calculator to quickly estimate new repayment amounts when considering refinancing with ANZ.
If you're considering our standard variable rate home loan, talk to us to see if you may be able to get a further discount off the index rate, depending on your situation.
Buy your next investment with confidence with an ANZ Property Profile Report. Find out sales and rental history, property price range estimates and suburb insights.
Simply enter the property details, select report type, submit form and your report will be sent straight to your inbox.
Ready to buy your first or next investment? Take the next step in your journey by providing details about:
One of our home loan specialists will get in touch to progress with your investment application.
Call back time is 1-3 business days.
Not ready to apply but want to speak with an investment property specialist? Get in touch another way
Already an ANZ home loan customer? Experience the ease and flexibility of managing your loan to suit your needs.
Manage your home loan repayments
Learn to manage your repayments to assist in making the most of your ANZ home loan.
Explore options to increase your ANZ home loan if you need.
Changes to your loan repayments
Explore options to modify your ANZ home loan repayments to suit your current financial needs.
Understand the differences between principal and interest versus interest-only home loan repayments.
Provide us with your details and one of our home loan specialists will get in touch. They can discuss issues including:
As well as any other home loan queries you may have.
Call back time is 1-3 business days.
Begin your home loan application journey by providing details about:
One of our home loan specialists will then be in touch to progress with your application.
Call back time is 1-3 business days.
Learn more about our home loans for business owners, or speak to our specialists who understand self-employed income.
You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.
Interest rates shown on this page are current as at and are subject to change.
The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF) before acquiring any product.
Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply. Australian credit licence number 234527.
ANZ Buy Ready™ is a trade mark of ANZ.
For ANZ Standard Variable rates the applicable discount from the index rate is 1.20% p.a. for loans with a Loan to Value Ratio (LVR) of greater than 80% and 1.40% p.a. for loans with a LVR 80% or less. Further discounts may be available on standard variable rate loans dependent on your LVR which is determined by the size of your deposit or equity position. Equity in your home is calculated as the difference between the value of your home and the amount you have left to pay on your home loan at the time the calculation is performed. Property value is ANZ's valuation of the security property and may be different to the price you pay for a property. Eligibility criteria applies to the Special Offer discount for ANZ Simplicity PLUS, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.
ReturnOffer can be withdrawn at any time. Limit of one cashback within any 12 month period. Offer is $2,000 cashback with 80.00% LVR or less, loans with LVR above 80% are not eligible for cashback. Paid within 60 days to an eligible ANZ account. You must drawdown the Eligible ANZ Home Loan(s) within 120 days from applying. See the full Terms and Conditions (PDF) for this offer. Fees, charges, eligibility criteria apply.
ReturnOther home loan fees including Late Payment Fee, Lock Rate Fee, Early Repayment Cost (Fixed Rate Loans) and ANZ Equity Manager facility fee still apply. Loan security fees including Lodgement Fee, Production Fee, Settlement Fee and Search Fee still apply however will not be charged on establishment of a loan. Government fees and charges (including government search fees and stamp duty) may still apply.
ReturnOffer can be withdrawn at any time. Maximum one bonus per eligible loan, individual may only claim once. Available for eligible First Home Buyers who purchase or construct their first property and take out an Eligible ANZ Home Loan of $250,000 or more. To be eligible to receive the bonus First Home Buyers must hold an ANZ Access Advantage, ANZ Plus or ANZ One offset account at loan drawdown. Drawdown on the Eligible ANZ Home Loan(s) must take place within 180 days from applying. See the full Terms and Conditions (PDF) for this offer. Fees, charges and eligibility criteria apply.
ReturnProperty value is ANZ's valuation of the security property and may be different to the price you pay for a property.
ReturnANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.
ReturnComparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including any applicable interest rate discounts. These rates are for secured loans only.
WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
For interest only variable loans, the comparison rates are based on an initial 5 year interest only term. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.
ReturnThe interest rate shown includes an interest rate discount from the index rate. For ANZ Standard Variable, this discount is for loans with a Loan to Value Ratio (LVR) of greater than 80% and for loans with a LVR 80% or less. For ANZ Fixed, this discount is for loans with a LVR greater than 80% and for loans with a LVR 80% or less.
ReturnInterest rates shown on this page are current as at and are subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF), ANZ Personal Banking General Fees and Charges (PDF) and your letter of offer.
ReturnTerms and Conditions and eligibility criteria apply to ANZ Redraw. ANZ Redraw is not available on loans in a company name. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF).
ReturnThe rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.
ReturnThe rate shown is the Simplicity PLUS Residential Investment Property Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.
ReturnProperty value is ANZ's valuation of the security property and may be different to the price you pay for a property.
ReturnThe fixed rate is set on the day the loan is drawn down. If you want to lock in a rate prior to drawdown, you can ask ANZ about options for locking in a fixed rate before settlement on eligible loans. A fee of $750 per $1 million of lending (or part thereof) applies. Available for fixed rate loans with terms of 1-5 years. Terms and Conditions available on application.
ReturnFor ANZ Fixed Rate loans, you can make early or additional repayments up to a set available tolerance amount (the lesser of 5% of the loan amount at the start of the current fixed rate period or $5,000) each year of the fixed rate period, without triggering an Early Repayment Cost. An Early Repayment Cost may be incurred if, during the fixed rate period, the available tolerance amount is exceeded, the loan is fully repaid or refinanced, or ANZ agrees to change the interest rate at your request. Please be aware that Early Repayment Costs can be very large. Terms and Conditions apply please refer to the ANZ Consumer Lending Terms and Conditions (PDF) and ANZ Fixed Rate Loans - What happens if you repay some or all of it early? (PDF). Alternatively please visit any ANZ branch or phone the Home Loan Hotline on 1800 100 641, 8:00am to 8:00pm (AEST), Monday to Friday.
ReturnRates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan.
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