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Could you save with an ANZ Plus home loan?

Discover the benefits of refinancing with ANZ Plus.

Explore Home Loan

Refinancing made simple

Apply for and manage your home loan from the ANZ Plus app. Set up your ANZ Plus and ANZ Save accounts then start your home loan application. It’s fast, secure, and simple — designed to make refinancing easy.

A competitive home loan refinance rate

5.84% p.a.

ANZ Plus Home Loan Variable Rate

5.85% p.a.

Comparison Rate*

* The comparison rate for the ANZ Plus Home Loan Variable is calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including applicable interest rate discounts. These rates are for secured loans only.

A home loan made for more

When you choose an ANZ Plus home loan, you’ll get access to tools designed to help you find ways to get ahead and maybe even pay off your home loan sooner.

See if you could save

Calculate your potential loan repayments^ and explore loan preferences to help decide if an ANZ Plus home loan could be right for you.

Things you should know

ANZ Plus is new and we’re not for everyone just yet. We’re digital first, supported by coaches who are experts in the ANZ Plus Home Loan. You can apply for and manage your home loan in the ANZ Plus app.

We might be a good fit for you if:
  • You are refinancing an existing home loan between $10,000 and $2,000,000.
  • You have or are willing to open an ANZ Plus and Save accounts.
  • All borrowers are Australian or New Zealand citizens or Australian permanent residents and earn a PAYG income.
  • You would like a variable interest rate and to make principal and interest repayments.
  • You are able to apply for and manage your loan in the ANZ Plus app.
  • The loan is for no more than 80% of your home's value (depending on the location, it might have to be less than 80%).
There are a few things you can’t do:
  • Refinance a loan for a property in Tasmania or the Northern Territory.
  • Fix your interest rate or pay interest only.
  • Borrow additional funds for the purposes of property purchase, debt consolidation or structural renovations.
  • Use Internet banking to apply or manage your ANZ Plus Home Loan.
  • Use Branches to apply for or manage your ANZ Plus Home loan without the use of your own device.

Applications are subject to credit approval and other eligibility criteria. If this product isn’t quite right, we’ve got other ANZ home loans that may work for you.
You can leave us your details and we’ll get back to you, or you can explore ANZ home loans online. 

Refi on the fly

The keys to your home loan are in the ANZ Plus app.

See if we could be a good fit

Check your property and loan requirements and get a no-obligation look at what your repayments might be here. If you like, you can save your details to pick up later in the app.

Apply in the ANZ Plus app

Before you start, you’ll need to set up ANZ Plus transaction and savings accounts. You can invite another borrower and both complete your application on your own devices.

Follow your application process

You’ll get a loan summary to review before submitting your application. If we have any further questions, a Coach will be in touch.

Ready to refinance?

Head to the ANZ Plus app to start your application.

Ready to refinance?

Head to the ANZ Plus app to start your application.

Your questions answered

Explore more from ANZ Plus

Sort your spending with ANZ Plus

ANZ Plus is a transaction account packed full of helpful tools and personalised insights to help you spend smarter.

Smash your goals with ANZ Save

Not ready to buy yet? Set up a savings goal to put towards your deposit. If you grow your balance each month, ANZ Save could help regular savers to earn extra interest.

Enhance your banking experience

Customise your ANZ Plus app and Add-On money insights, helpful tools or connect with partners to get more out of ANZ Plus.

All applications subject to credit assessment. Eligibility criteria and fees and charges apply.

Interest rates shown on this page are current as at 28 February 2025 and are subject to change.

Comparison 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 applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

~ Limited time offer available to customers refinancing an Eligible Home Loan that is greater than $250,000 before 31 March 2025. Excludes refinancing from ANZ and Suncorp Bank. Limit of one home loan offer from ANZ within any 12-month period. Cash back paid within 60 days to an eligible ANZ Plus account. You must drawdown the eligible ANZ Plus home loan within 120 days from applying. Offer can be withdrawn at any time. See the full Terms and Conditions (PDF) for this offer. Fees, charges, eligibility criteria apply.

While we will lend against the property valuation shown in the ANZ Plus app, this is not a guarantee of the property’s market value or future sale price. Valuations may change daily and the actual sale price (if the property is sold) may be different.

Any advice is general and might not be right for you. The Financial Services Guide, Target Market Determination and ANZ Plus Deposit Account T&Cs are available on anz.com/plus for your reference. You should read them before deciding to apply for or keep these products.

Australian credit licence number 234527.