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Home loan offers

Find out about our current home loan offers that could give your property journey a boost, from your first home to your next investment and beyond.

 

The information on this page does not apply to ANZ Plus products

Want to chat with a home loan specialist about our current offers?

Request a call back

cashback offer

$2,000 cashback when you refinance an eligible home loan

Get $2,000 cashback 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

Learn more

offer

$3,000 bonus for first home buyers

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

Learn more

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LMI waiver for eligible professionals

Do you work in a legal, medical or accounting profession? You may be eligible for an LMI waiver with your ANZ home loan.

See eligible professions

National government grants and schemes for eligible home buyers

First Home Owner Grant (FHOG)

The FHOG is a national scheme funded and administered by the states and territories to help first home buyers.

More information

Stamp duty exemption or concession

Different states and territories in Australia have their own distinct stamp duty rates and relevant exemptions. Check how it could apply to you.

Check now

First Home Super Saver (FHSS)

The FHSS scheme allows eligible individuals to make personal voluntary contributions into their super fund to help them save for their first home. 

Learn more

Help to Buy Program

Help to Buy will be administered by Housing Australia, and will be open to a maximum of 10,000 eligible Australian households each year over 4 years from 1 July 2024. 

More information

ANZ is not currently a participating lender of the Home Guarantee Scheme (HGS). The state government first home buyer grants and schemes outlined above have no connection with ANZ, and the information provided is general in nature for first home buyer purposes only.

Ready to apply? It only takes 5 minutes

Just tell us a little bit about:

  • You
  • Your financial situation
  • The loan you're applying for

And one of our home loan specialists will get in touch to progress with your application.

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Call back time is 1-3 business days.

Apply online

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Connect with our home loan specialists or apply

Our ANZ Home Loan Specialists can help you with a whole range of things, such as:

  • Applying for a new home loan
  • Refinancing a home loan
  • Managing your existing loan
  • Helping you understand your ANZ Home Loan options so you can make your next move with confidence

Get support in a number of ways:


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Let us come back to you

Provide your details and one of our Home Loan Specialists will contact you via phone or email.

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Response time is 1-3 days.

Request a call back

 

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Make an appointment

Discuss your needs with one of our home loan specialists over the phone or at your nearest branch.

Book an appointment


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Call us now

With extended hours, you can get in touch with someone quickly.

Monday-Friday 8am-8pm (Sydney/Melbourne time)

Call 1800 100 641


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Meet with an ANZ Mobile Lenderdisclaimer

ANZ Mobile Lenders will go the extra mile with the experience and knowledge to navigate all ANZ home loans. Enjoy the convenience of meeting wherever and whenever suits you best. ANZ Mobile Lenders are dedicated ANZ Home Loan Specialists who can provide personalised service where and when it suits you.

Find your ANZ Mobile Lender


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Start your application online

Kick things off online and an ANZ Home Loan Specialist will contact you to help with the remainder of the application process.

Apply online now


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Talk to your broker

You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.

 

Frequently asked questions

What are LVR and LMI?

LVR stands for 'Loan to Value Ratio' and it's the amount you’re looking to borrow, calculated as a percentage of the value of the property you want to buy (as assessed by ANZ). For instance if you’re borrowing $400,000 to buy a $500,000 property, your LVR would be 80% (because $400,000 is 80% of $500,000).

LVR is important because it may affect your borrowing power. Generally, the lower the LVR the better, as it carries less risk for the lender. If your LVR is above 80% (that is, you're looking to borrow more than 80% of the value of the property you want to buy), you may need to pay Lenders Mortgage Insurance (LMI). This insurance protects the lender - ANZ, not you - if you default on your home loan and there’s a shortfall following the sale of the property. Generally speaking the higher your LVR, the more LMI will cost.

Learn more about ANZ LMI with our Key Fact Sheet (PDF) or read our article on Lenders Mortgage Insurance.

*Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.

  

Your Loan to Value Ratio (LVR) is the amount you’re looking to borrow, calculated as a percentage of the value of the property you want to buy*. For instance if you’re borrowing $400,000 to buy a $500,000 property, your LVR would be 80% (because $400,000 is 80% of $500,000).

The calculator will show your estimated LVR rounded up to one decimal point. For instance if your estimated LVR is calculated as 80.01%, it will be rounded up to 80.1%. Having an LVR of 80% or less (and for some loans 70% or less) means you could access some of ANZ’s higher discounts, and may be able to avoid paying Lenders Mortgage Insurance (which protects the lender if you default on your loan). Learn more about ANZ Lenders Mortgage Insurance with our Key Fact Sheet (PDF).

Generally, the lower your LVR the better. This is because from the lender’s perspective, a lower LVR carries less risk. Plus, a lower LVR means you’ll have more equity in your home from the start. Find out more about LVR and what it means for your home loan.

*Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.

   

The index rate is a benchmark interest rate set by ANZ. ANZ offers discounts off the index rate, which are included in the interest rates shown above (based on your Loan to Value Ratio).

  

Important information

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.

Offer 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.

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Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.

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Offer 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. Excludes all internal refinances and switches within ANZ Group which includes Suncorp Bank and ANZ Plus. See the full Terms and Conditions (PDF) for this offer. Fees, charges, eligibility criteria apply.

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ANZ 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.

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