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.
Manage your loan
Find everything you need to get the most out of your ANZ home loan, including ways to manage your repayments and get support if you need it.
The information on this page does not apply to ANZ Plus products
We’ve dropped our variable home loan rates
On 30 May 2025, ANZ issued a decrease on our variable home loan interest rates. This change could affect your repayments – but it’s important to note that ANZ won’t apply the repayment reduction automatically – this decision is yours to make. You can modify your direct loan payments easily in Internet Banking or the ANZ app.
ANZ App and Internet Banking How-to guide
Make banking online easier by viewing our Step by step how to guide (PDF). If you’re new to the ANZ App or Internet Banking, this is a great place to start.
- Enter your current interest rate to see your approximate current repayments.
- Then add a new scenario and choose an ANZ rate from the drop down menu to see estimated repayments based on the new rate.
- Compare your current and estimated new repayments to see the difference.
Estimated repayments and repayment scenario comparisons are estimates only based on the loan amounts, loan types and loan terms selected. The comparisons are indicative estimates for illustrative purposes only and are based on current interest rates (which may 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 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.
The repayment calculator does not show all interest rates. Our home loan interest rates page shows all available rates, including special offers and discounts when borrowing 80% or less of the property value.
Reduce your repayments to the minimum amount
If you’re currently paying more than the minimum repayment amount, you have the option to reduce your repayments to the minimum repayment amount via ANZ Internet Banking. Reducing your loan repayments may result in your loan being repaid at a slower rate which may increase the amount of interest you pay over the term of the loan.
Fix or split your loan
If you’d like some more certainty about your repayment amounts, consider fixing your loan or splitting it into part variable, part fixed rate to hedge your bets. Learn more about splitting your loan.
Offset your interest
If you have an eligible loan such as an ANZ Standard Variable loan or a one year ANZ Fixed loan, consider linking an ANZ One offset account to it (for a fee of $10 a month).disclaimer The more money you have in your linked offset account, the less interest you'll need to pay on your home loan. To maximise your savings even more, deposit your salary straight into your offset account.
Change how you make repayments
Small changes to how you make repayments can make a big difference to the interest you pay on your loan. Depending on your circumstances, switching from monthly to fortnightly or weekly repayments could help reduce your total interest charges. You can request to modify the frequency of repayments via ANZ Internet Banking.
Redraw if you're ahead
If you're ahead on your home loan repayments and you have an eligible loan, you may be able to access funds from the extra repayments made, or take a break from future scheduled repayments with ANZ Redraw.disclaimer
Refinance and consolidate debts
Consider how much equity you have in your property. If you have enough equity you may be able to consolidate any other debts you may have. Get an estimate of the equity you may have in your home, or book in a free home loan check-in.
Switch to a lower rate home loan
Consider switching to our competitive basic variable interest rate. ANZ SimplicityPLUS is our basic home loan (no offset) that still gives you the flexibility of a variable rate loan, like the ability to pay it off sooner.
Switch to interest only repayments for a while
You may wish to consider applying to switch from principal and interest repayments to interest only repayments for a period of time, if it is suitable for you to do so. Keep in mind that making this change might increase the total interest you pay over the life of your loan.
Top up if you need to
You may be able to top up your existing variable rate loan, subject to credit approval. So if you're looking to renovate, consolidate debts or buy a new car, you may be able to borrow additional funds against your existing home loan. Talk to us to explore your options.
Extend your loan term
Extending your loan term could lower your repayments. Talk to us to find out if this is an option for you. Note that extending your loan term may mean you’ll end up paying more in interest over the life of your home loan.
Enquire about home loan repayment support
Costs of living impact everyone in different ways, which can at times include the ability to make home loan repayments. If you find yourself worrying about your next repayment, then depending on your situation we may have ways to help you, which could include restructuring your loan or working out a payment plan to better manage it.
Need to speak to a specialist?
Provide us with your details and one of our home loan specialists will get in touch. They can discuss issues including:
- Applying for a home loan
- Managing your existing loan
- Refinancing your home loan
- Interest rate enquiry
As well as any other home loan queries you may have.
Call back time is 1-3 business days.
Other ways to get in touch
Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.
Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the Terms and Conditions and Product Disclosure Statement, which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.
The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF) before acquiring any product.
Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply. Australian credit licence number 234527.
The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
ANZ App for Android is only available on Google Play™. ANZ App for iPhone is only available from the App Store.
Apple, Apple Pay, Apple Watch, Face ID, iPad, iPhone and Touch ID are trade marks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play and the Google Play logo are trade marks of Google Inc.
A $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.
ReturnTerms and Conditions and eligibility criteria apply to ANZ Redraw. ANZ Redraw is not available on loans in a company name. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF).
ReturnANZ Mobile Lending representatives operate as ANZ Mortgage Solutions, an independently operated franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 Australian credit licence 234527.
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