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Could you save with an ANZ Plus home loan?

Discover the benefits of refinancing with ANZ Plus.

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You should know
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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

6.09% p.a.

ANZ Plus Home Loan Variable Rate

6.10% 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.

See if we could be a good fit

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.
  • Use branches or ANZ Internet Banking to apply for or manage your ANZ Plus home loan.

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.

Apply in app

Ready to refinance?

Head to the ANZ Plus app to start your application.

Apply in app

Your questions answered

What’s an ANZ Plus Home Loan?

The ANZ Plus Home Loan is our new variable rate home loan for customers who wish to refinance an existing loan. It's the first lending product available to eligible customers within the Loans tab.  

There’s some eligibility criteria and suitability that you’ll need to be across. If you decide the loan suits you, and you're approved, you’ll gain access to the all new digital first, human supported, ANZ Plus Home Loan.

The Loans Tab joins a host of other clever money management tools to help you spend less, and save more within your secure ANZ Plus digital banking app.

We also offer human support from our expert ANZ Plus Coaches. 

Is my property eligible to refinance?

At the moment, we can only consider refinancing loans secured by properties located in the ACT, NSW, Qld, SA, Vic or WA.

If you live in Tasmania or the Northern Territory you won't be able to refinance with ANZ Plus just yet. 

Alternatively, there are other ANZ home loans that may work for you.

If you're interested, leave us your details and we’ll get back to you. Alternatively, you can explore other ANZ home loans online

What are the steps to refinance with ANZ Plus?

Pick up your phone to switch your loan – it’s as simple as that!

If you meet our eligibility criteria, you can complete your refinance application in the ANZ Plus app and apply in your own time.

If you don’t have the ANZ Plus app, it’s available from the App Store or Google Play Store. When you join you’ll be able to apply for the ANZ Plus transaction and savings accounts. You’ll need these to start your home loan application.

First, check if you’re eligible for a home loan. You can tell us a bit about yourself, get a value on your property in just a few minutes, and set some simple loan preferences to see if we’re a good fit.

We’ll run a credit check to pre-fill some of your finances. After that, you can check the numbers, add anything that’s missing, or change anything that's not quite right.

Submit your application and put up your feet while you wait for us to get back to you. We’ll be in touch in-app, and may need to ask you for additional information, so it’s best to enable notifications.

To check your notification settings, go to the Profile icon and tap on Notifications.  

If approved, you can view and accept your Loan Documents in the app.

Once your new loan has been set up, use the ANZ Plus app to take control of your finances with simplified loan management, access to loan notices, and receive ongoing support from our Coaches.

If you need help during your application, simply tap to Get Help when it’s displayed on screen for tailored FAQs and access to Coach support. Otherwise, you can head to the Support tab of the app to get in touch.

How do I request a Key Facts Sheet?

A Key Facts Sheet sets out pricing and other information on a home loan product in a standardised format, so you can see key information about the loan and more easily compare different standard home loans.

To request a Key Facts Sheet from ANZ Plus, you’ll need to enter the amount you’d like to borrow and your desired loan term, and select ‘View Key Facts Sheet’. We’ll then generate a Key Facts Sheet that summarises important facts such as the interest rate, the estimated total amount to be paid back, and your potential monthly and annual repayments. It will also explain how repayments will be affected if interest rates change. 

Request a Key Facts Sheet

What else you should know

The information in the Key Facts Sheet is an estimate only based upon the information you have provided and the current ANZ Plus Home Loan Variable rate (with principal and interest repayments). Rates are subject to change.

The Key Facts Sheet does not represent an offer for credit or constitute a loan approval or a quote. To apply for an ANZ Plus Home Loan Variable you must apply through the ANZ Plus App. All applications are subject to credit assessment and eligibility criteria. Terms and Conditions available on application. Fees and charges apply.

See all FAQs

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.

Explore ANZ Plus

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.

Explore ANZ Save

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.

Explore Add-Ons

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

Interest rates shown on this page are current as at 22 November 2024 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.