Buying your next home?
See our home loan tools, articles and resources to help you explore your home loan options. We'll help you get to a good place.
Residential brokers
Helping you and your customers get to a good place.
We’re here to provide support for you, to help your customers along their home buying journey with:
Simplified policies and products
Competitive pricing
A dedicated Residential Broker Manager
Training and education through Brokerology
Jump to
The information on this page does not apply to ANZ Plus products
Basic variable
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Principal & interest | Comparison ratedisclaimer |
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).
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 your customers get a lower rate?
Talk to us to find out if a further discount could apply to their standard variable rate, depending on their situation.
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.
These service levels are based on ANZ receiving a fully completed application and all required supporting documentation. The days shown below are business days.
Application assessment
Stage |
Simpler Switch |
Simple: Non-LMI |
Simple: LMI |
Single Entity Self-Employed |
Complex |
|---|---|---|---|---|---|
New application |
1 day |
2 days |
6 days |
7 days |
5 days |
Additional docs |
2 days |
2 days |
3 days |
3 days |
3 days |
Dual application |
Simpler Switch: Like for like refinances that meet the Simpler Switch requirements and where the Simpler Switch flag has been ticked on the application.
Simple Non-LMI: Standard Security, PAYG, Sole Trader or Partnership income, Guarantor. Total Mortgage Lending <$2.25m.
Simple LMI: Standard Security, PAYG, Sole Trader or Partnership income, Guarantor. Total Mortgage Lending <$1.5m.
Single Entity Self-Employed: income from a single Trust or Company source.
Complex: All other application types including income from multiple entities, LMI applications, Non-Standard Security, Owner Builder, Construction >$2m, Bridging, Foreign Income and Company home loan applications.
Post approval
Stage |
Current service level |
|---|---|
Document preparation |
1 day |
Document verification |
1 day |
Settlement |
As booked (dependent on attendee availability) |
These broker service levels are forward looking and estimated based on anticipated demand.
$3,000 First Home Buyer Bonus Offer
If your customers are buying their first home, they could get $3,000 to spend however they 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
LMI waiver for eligible professionals
Do your customers work in a legal, medical or accounting profession? They may be eligible for an LMI waiver with their ANZ home loan.
$2,000 cashback when your customers refinance an eligible home loan
Get $2,000 cashback for your customers 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
Stay in the know with some of ANZ’s current guidelines, policies and enhancements.
ANZ Brokerology
Introducing our new ANZ Brokerology program
At ANZ, we’re always going the extra mile to support our partners. That’s why we’ve introduced ANZ Brokerology, our premier new educational development program for residential brokers. It's our way of helping to support you, and your customers’ home loan goals. Offering tools, training and education, ANZ Brokerology is made up of three pillars:
- Basics (Now live) – ANZ products, policies and processes
- Business (Coming soon) – market insights and differentiation
- Balance (Coming soon) – personal and financial wellbeing
Speak to your ANZ Residential Broker Manager now to find out more about our Basics educational program and see if you could earn CPD points.
If you are an ANZ accredited broker and would like to access the ANZ Brokerology Basics library, Click here.
Get accredited
Are you looking to join ANZ? You’ll need to follow a few key steps:
- You will need to become a member of an aggregator group in order to be able to apply for accreditation with ANZ.
- Get the necessary information from your aggregator group to help you become accredited with ANZ.
- Your aggregator will contact ANZ on your behalf to request accreditation.
- If your application is successful, an ANZ Business Development Manager will contact you.
Please log in to the ANZ Broker portal to see the ANZ Residential Broker Team contact details.
All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are 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.
ReturnOffer 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.
ReturnOffer 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.
Return