Whether you have an ANZ Loan, or a loan from another financial institution,
we can help you make sure that you have the best loan for your needs.
Your situation may have changed since you first got your loan and you may
now want to take advantage of other features on your loan. For example,
if you now have savings, you could benefit from a mortgage offset account.
If your family has grown and you need to renovate, we can help you access
extra funds. You may want to split your loan to take advantage of a fixed
and variable rate, or you may want to access the equity in your home for
investment purposes.
ANZ can help you find the loan that suits your current lifestyle.
Are you happy with your current home loan? Have you ever wondered
what will happen if you increased your repayments or switched to
another loan type? Use the
ANZ Home Loan Scenario Calculator
to find out how different scenarios can affect your home loan such as:
- changing your loan amount, loan term or interest rate
- using an offset account
- redrawing additional loan repayments
- making a lump sum payment
This calculator should only take a few minutes to complete.
Answer a few simple questions and our product selectors can match
you with the right loan for your needs. The below Loan Selectors
should only take a couple of minutes to complete.
ANZ can help refinance your loans from another institution. The refinance
process is as follows:
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You request to refinance your current loan to ANZ.
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Loan is approved and documents are prepared.
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Documents are signed and returned.
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ANZ contacts your current financial institution (by phone) to
book settlement.
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ANZ and other financial institution negotiate a settlement date.
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Settlement is conducted.
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Congratulations, you are an ANZ customer enjoying the benefits of
our home loan products.
To arrange to refinance your loan from another financial institution:
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Call the Home Loan Hotline on 1800 100 641 |
When refinancing property, it is common that the existing financial
institution will charge fees for discharging their mortgage and arranging
a settlement. You may need to refer back to your original loan contract
or request this information directly from your current lender.
The normal transaction costs such as stamp duty and registrations will
apply to refinance situations. In some states you are exempt from paying
stamp duty on refinances. Contact your
local branch
for more details.
When refinancing, ANZ will usually lend you up to 80% of the value of
property without Lenders Mortgage Insurance (LMI) and up to 95% of the
value of the property with LMI.
If your existing borrowings are less than 95% of the property value, you
may not have to contribute any funds and any costs incurred may be
included in the loan amount.
If you are refinancing an existing ANZ Loan, a Loan Approval Fee may apply.
For more information see the applicable
Home Loan Fact Sheet.
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