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$2,000 cashback

Available to customers refinancing an eligible home loan of $250,000 or more with ANZ Plus.²

Excludes refinancing from ANZ or Suncorp. Offer may be withdrawn or amended at any time. Other exclusions and T&Cs apply.

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Refinancing made simple

Apply for and manage your home loan in the ANZ Plus app.

A competitive home loan refinance rate

5.84% p.a.

ANZ Plus Home Loan Variable Rate

5.85% p.a.

Comparison Rate¹

See if you could save

Use the home loan refinance calculator to see if switching to ANZ Plus could mean more in your pocket.

Get ahead with ANZ Plus

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.

Things you should know

You can apply for, get approved 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 an existing ANZ Plus transaction or savings account, or if you’re new to ANZ Plus, are willing to open ANZ Plus and ANZ Save accounts.
  • All borrowers are Australian or New Zealand citizens or Australian permanent residents and earn 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%).
We might not be a good fit for you right now if:
  • You are refinancing a loan for a property in Tasmania or the Northern Territory.
  • You want to fix your interest rate or pay interest only.
  • You want to borrow additional funds for the purposes of property purchase, debt consolidation or structural renovations.
  • You’d prefer to use branches or ANZ Internet Banking 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, you might like to explore other ANZ home loans that may work for you.
Or if you want to chat about your options, you can leave us your details and we’ll get back to you.

Refinance your home loan in the ANZ Plus app

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Minimum of iOS 15.0 or Android 7.0

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More options from ANZ

If you’re looking to buy a home, would like to fix your rate, or apply as a sole trader, you may like to explore other home loans from ANZ.

Explore Other Loans →

Your questions answered

See all FAQs

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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

All your bank accounts in one place

Get a bird’s-eye view of your money. My Accounts gives you a detailed overview of your bank accounts in and outside 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 28 February 2025 and are subject to change.

  1. 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.
  2. Offer available to customers refinancing an eligible home loan of $250,000 or more. Excludes refinancing from ANZ or Suncorp Bank. 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 amended or withdrawn at any time. Fees, charges, and other exclusions and T&Cs apply. See the full Terms and Conditions (PDF) for this offer.


ANZ Plus reviews and star rating refers to the ANZ Plus app reviews and rating in the Apple App Store. Please refer to the Apple App Store for current rating.

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

Australian credit licence number 234527.