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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.
Refinance fast to an ANZ Plus home loan
Looking to save money on your home loan? Check out our competitive rate to see if you could save by switching your loan to ANZ Plus. It’s quick and easy to apply and you can get support from ANZ Plus Home Loan Specialists every step of the way in the ANZ Plus app.
Get $2,000 back in your pocket
You could get $2,000 back to spend on whatever you like when you refinance to an ANZ Plus home loan before 31 March 2025. You’ll need to be refinancing from an eligible non-ANZ home loan of $250,000 or more. Excludes refinancing from ANZ and Suncorp. T&Cs applydisclaimer
Could you save if you switch your home loan?
Could you save if you switch your home loan?
6.09% p.a.ANZ Plus Home Loan Variable Rate |
% p.a.Comparison ratedisclaimer |
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.
Our offset feature may help reduce the interest paid on your home loan. A monthly $10 fee applies.
Why refinance to an ANZ Plus home loan?
With an ANZ Plus home loan, you’ll get access to tools designed to help you get ahead and perhaps even pay off your home loan sooner.
Apply at your own pace, with the option to save and resume your application whenever’s convenient for you.
If you’d like to explore your home loan options or would like help to get started with ANZ Plus, request a call back from an ANZ Plus Home Loan Specialist and we’ll usually contact you within 2 business days.
Explore ANZ PlusRequest a call back
Track your progress
Use the ANZ Plus app to check how much principal you’ve paid off your home loan.
Get ahead
Explore ways you could reduce the length of your loan.
Reduce interest with offset
Offset your mortgage by linking an eligible ANZ Plus account, which could help reduce the interest you pay on your home loan. A monthly $10 fee applies. Only one offset account can be linked to your loan, and vice versa.
Go paperless
No more pesky paper forms. Apply for and manage your home loan easily and securely in the ANZ Plus app.
What is ANZ Plus?
ANZ Plus is ANZ’s new digital banking service, with tools and features to help you improve your financial wellbeing.
In the ANZ Plus app you can open and manage transact and saving accounts, as well as apply for an ANZ Plus home loan. ANZ Plus offers a new way to bank and comes with heaps of smart money management features.
Is an ANZ Plus home loan right for you?
We might be a good fit for you if:
- You’re refinancing an existing home loan between $10,000 and $2,000,000
- You have or are willing to open ANZ Plus and Save accounts. The ANZ Plus and Save accounts have no monthly account feesdisclaimer
- All borrowers are Australian or New Zealand citizens, or permanent residents of Australia
- All borrowers earn a PAYG income
- You’d like a variable interest rate and want to make principal and interest repayments
- You’re comfortable applying for and managing 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
Get an ANZ Plus Key Facts Sheet
The Key Facts Sheet summarises information about a home loan such as rates and fees allowing you to more easily compare home loan information. 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’.
Ready to apply?
Learn more about the ANZ Plus home loan and get started with your application.
Chat to our specialists
Talk to an ANZ Home Loan Specialist on weekdays, 8am – 8pm (Sydney/Melbourne time), or request a call back and we'll call you within 2 business days.
All applications subject to credit assessment. Eligibility criteria and fees and charges apply.
Interest rates shown on this page are current as at 17 November 2023 and are subject to change.
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 for your reference. You should read them before deciding to apply for or keep these products.
Limited time offer available to customers refinancing an eligible home loan that is greater than $250,000 before 31 March 2024. Excludes refinancing from ANZ and Suncorp. Limit of one home loan offer from ANZ within any 12-month period. Cash back generally 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.
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 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.
ReturnTransaction fees may apply, see the ANZ Plus Deposit Account T&Cs for details of these fees. A $10 monthly fee applies if you use your ANZ Plus account as an offset account.
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