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ANZ Supplementary Loan
Access the equity in your home or investment property for a variety of different purposes, including investments or buying a new car.
The information on this page does not apply to ANZ Plus products
If you have a home loan with us and you’ve got equity in that property, you can apply to access it with a supplementary loan. Choose an eligible ANZ loan that suits your needs best, it doesn’t have to be the same as your existing one. Then you can use that money for a variety of different purposes according to your needs.
Features and benefits
- A supplementary loan is a separate account, and can be set up to suit your loan purpose (for example, to buy a car, make an investment or renovate your home)
- All the features and benefits that come with the ANZ loan you choose as a supplementary loan
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A home to live in
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A residential investment property
Basic variable
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Principal & interest |
Comparison |
Interest rate with special offer discountdisclaimerwhen borrowing 60% or less of the property value.disclaimer
Get a competitive interest rate and basic features (no offset).
ANZ Simplicity Plus
Standard variable with optional offsetdisclaimer
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Principal & interest |
Comparison ratedisclaimer |
Discounted standard variable rate when borrowing 80% or less of the property value.disclaimer
Can I go lower?
Talk to us to find out if a further discount could apply to your standard variable rate, depending on your situation.
ANZ Standard Variable
Fixed rate
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Principal & interest |
Comparison ratedisclaimer |
Discounted 2 year fixed rate when borrowing 80% or less of the property value.disclaimer
Choose from 1, 2, 3, 4, 5, 7 and 10 year fixed rate terms.
ANZ Fixed Rate
Fees and other important numbersdisclaimer
| Details | |
|---|---|
Loan term | Up to 10 years (longer terms may be considered depending on loan purpose) |
Minimum loan amount - ANZ Standard Variable | $5,000 |
Minimum loan amount - ANZ Fixed | $10,000 |
Minimum loan amount - ANZ Simplicity PLUS | $50,000 |
Maximum loan amount | Subject to ANZ's credit assessment criteria. For further information, see maximum loan as percentage of property value on compare ANZ home loans page. |
Loan Approval Fee | $0 |
Loan Administration Charge | $0 |
Renegotiation Fee | $0 |
Early Repayment Costdisclaimer | Yes, if you choose ANZ Fixed |
Lenders Mortgage Insurance (LMI)disclaimer | Usually required if LVR is more than 80% |
Need to speak to a specialist?
Provide us with your details and one of our home loan specialists will get in touch. They can discuss issues including:
- Applying for a home loan
- Managing your existing loan
- Refinancing your home loan
- Interest rate enquiry
As well as any other home loan queries you may have.
Call back time is 1-3 business days.
Quick start application
Begin your home loan application journey by providing details about:
- You
- Your financial situation
- The loan you're applying for
One of our home loan specialists will then be in touch to progress with your application.
Call back time is 1-3 business days.
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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.
The rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount for loans with a Loan to Value Ratio of 60% or less. 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.
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.
ReturnProperty value is ANZ's valuation of the security property and may be different to the price you pay for a property.
ReturnA $10 servicing fee applies per month per ANZ One offset account. Please refer to ANZ Personal Banking Account Fees and Charges (PDF) for fees and charges that apply.
ReturnThe interest rate shown includes any applicable interest rate discount from the index rate. For ANZ Standard Variable, the interest rate 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 applications submitted from 28 October 2024 for ANZ Fixed, there is no interest rate discount for loans with a LVR of greater than 80% and the interest rate discount is for loans with a LVR of 80% or less.
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.
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.
Fixed home loans aren’t for everyone and early repayment costs may apply if you repay your loan or switch to another one before the end of your fixed term or make early or additional repayments. Once the fixed rate period ends, the loan reverts to a variable rate loan and repayment amounts will change. 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 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.
ReturnRates shown apply during the interest only period of your loan. Choose from 1-5 year interest only terms for owner occupied on an ANZ Standard Variable (Land Loan up to three years) and ANZ Fixed (Land Loan up to three years) and choose from 1-5, 7 and 10 year interest only terms for residential investments on an ANZ Standard Variable (Land Loan up to one year), ANZ Fixed (Land Loan up to one year) and ANZ Simplicity PLUS. If you choose to make interest only payments on ANZ Fixed, your fixed period and interest only period will be the same. After the interest only period, your rate will switch to the applicable variable rate for a principal and interest loan. At the end of the interest only period, minimum repayment amounts may increase to cover principal and interest. Interest only loans are not for everyone and you should consider if this is the right strategy for you.
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.
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.
ReturnLenders Mortgage Insurance (LMI) is paid by the borrower and protects ANZ in the event that the borrower defaults and a shortfall arises following the sale of the security property. ANZ usually requires LMI where the Loan to Value Ratio (LVR) is above 80% (depending on the type of property). For some property types, LMI might be required when LVR is less than 80%.
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.
ReturnEligibility 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.
Return