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Home Loans

ANZ Standard Variable Rate Home Loan print this page email to a friend
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The ANZ Standard Variable Rate Home Loan is designed to give you full flexibility and value. It comes with a number of features that can help accommodate changes in your circumstances and help save you money.
Standard Features
 Interest Rate 9.62% p.a. - Variable        Other Interest Rates
 Magnifying GlassComparison Rate™ * 9.73% p.a.
 Loan term Maximum 30 years
 Minimum amount $20,000
 Maximum amount 95% of the valuation of the security property
 Lenders Mortgage  Insurance Required if amount borrowed is more than 80% of the valuation of the security property
Key Features
 Repay loan early Yes – you have the freedom to repay your loan in full at any time. Fees and charges may apply (PDF, 388kb).
 Make additional  repayments Yes – you can make additional repayments at any time, which means you can pay off your loan faster and save
on interest costs
 Loan Administration
 Charge		 Yes
 100% Mortgage Offset Yes – this mortgage offset account makes the most of your available funds to reduce interest costs, and shorten the term of your loan:
 Redraw facility Yes – Redraw allows you to access any additional loan payments you have made
 Repayment Holiday Yes – Find out more
 Draw down loan  progressively Yes – over periods of up to 12 months.
Fees and charges apply (PDF, 388kb).
 Ability to split loan Yes
 Interest only payments Yes – up to 10 years.
Minimise your repayments and free up cash by paying interest only
 Reduced fees on a  personal transaction  account** Yes – you will not pay account servicing fees or additional withdrawal fees on your linked ANZ Access Advantage account
 Bonus reward points Yes (upon request) – if you have an ANZ Frequent Flyer Visa or an ANZ Rewards Visa you may be entitled to 7,500 bonus reward points, when you pay the full Loan Approval Fee and request the Bonus Points at the time of loan application
 ANZ Assured $1,000 ANZ Assured facility on an ANZ One cheque or savings account linked to the loan (subject to ANZ approval)
Fees, Charges and Discounts
 Loan Approval Fee
 (LAF)		 $600
 Redraw fee Nil redraw fee, $2,000 minimum redraw (additional conditions apply).
 Converting or  renegotiating Find out more
For full details of all fees and charges refer to Personal Banking General Fees and Charges (PDF, 168kb)
View other fact sheets
Standard Variable Rate Home Loan
Supplementary Loan
Fixed Rate Home Loan
Simplicity PLUS Home Loan
Land Loans

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*Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.

** Non-ANZ ATM Fees apply, salary must be deposited to the account to obtain the waiver.

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.

A copy of the Comparison Rate Schedule is available at any ANZ branch or view it online ANZ Comparison Rate Schedule (PDF, 72kb).

Terms and conditions available on application. Fees and charges apply.

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