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.
Getting the most out of your home loan
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The information on this page does not apply to ANZ Plus products
If you have an eligible loan (such as an ANZ Standard Variable loan or a one-year ANZ Fixed loan), you can link an ANZ One offset account* to it. The more money you have in your linked offset account, the less interest you'll need to pay on your home loan. Only one offset account can be linked to your loan, and vice versa.
*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.
If you're looking to pay off the total amount of your home loan rather than just the interest, then switching from interest-only to principal and interest is something you could consider.
If you're not in a fixed rate term, you could add extra to each loan payment, or deposit large amounts (such as tax returns, dividends or bonuses). By doing so, you could save on interest and pay off your loan sooner.disclaimer
Set up a Direct Loan Payment
A Direct Loan Payment is an easy way to set up a recurring payment to your linked ANZ loan account. Set it up in ANZ Internet Banking, and choose between Bank Managed Payments and Customer Managed Payments.
Redrawdisclaimer your extra repayments if you need to
If you've made additional repayments to an eligible loan account, you may be able to access these funds using ANZ Redrawdisclaimer.
Concerned about your repayments?
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.
Quick start application
Begin your home loan application journey by providing details about:
- You
- Your financial situation
- The loan you're applying for
One of our home loan specialists will then be in touch to progress with your application.
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.
For ANZ Fixed Rate loans, you can make early or additional repayments up to a set available tolerance amount (the lesser of 5% of the loan amount at the start of the current fixed rate period or $5,000) each year of the fixed rate period, without triggering an Early Repayment Cost. An Early Repayment Cost may be incurred if, during the fixed rate period, the available tolerance amount is exceeded, the loan is fully repaid or refinanced, or ANZ agrees to change the interest rate at your request. Please be aware that Early Repayment Costs can be very large. Terms and Conditions apply please refer to the ANZ Consumer Lending Terms and Conditions (PDF) and ANZ Fixed Rate Loans - What happens if you repay some or all of it early? (PDF). Alternatively please visit any ANZ branch or phone the Home Loan Hotline on 1800 100 641, 8:00am to 8:00pm (AEST), Monday to Friday.
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 Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.
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