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Refinance fast to an ANZ Plus home loan
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.
ANZ Plus Home Loan Variable Rate
Our featured variable rate to refinance the home that you live in paying principal and interest
5.50% p.a.ANZ Plus Home Loan Variable Rate |
% p.a.Comparison ratedisclaimer |
Looking to refinance an investment property? Other rates apply.
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 in the ANZ Plus app, with the option to save and resume your application whenever’s convenient for you.
If you would like assistance in applying, you can message a Coach in the ANZ Plus app.
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 Everyday 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 an existing ANZ Plus transaction or savings account, or if you’re new to ANZ Plus, are willing to open ANZ Plus Everyday and ANZ Plus Growth Saver accounts. The ANZ Plus Everyday and ANZ Plus Growth Saver accounts have no monthly account feesdisclaimer
- All borrowers are Australian or New Zealand citizens, or permanent residents of Australia
- You earn PAYG income or rental 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
- Use ANZ Internet Banking to apply for or manage your ANZ Plus home loan
- Use Branches or the ANZ Call Centre for assistance in applying for or managing an 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.
All applications subject to credit assessment. Eligibility criteria and fees and charges apply.
Interest rates shown on this page are current as at 22 August 2025 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.
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.
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 Everyday account as an offset account.
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