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Home Loans

Variable Rate

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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 9.37% p.a. - Variable
Magnifying GlassComparison Rate™ * 9.47% 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
Ability to split loan Yes - Find out more
Draw down loan progressively Yes - over periods of up to 12 months.
Fees and charges apply (PDF, 388kb).
Repayment Holiday Yes - Find out more
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 - 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)
Vacant land - loan term Yes - land can remain vacant for 12 months and repayments can be calculated over a maximum of 30 years

Summary of Fees and Charges

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)

ANZ. Home Loan Lender of the Year, again. Money magazine's Home Loan Lender of the Year 2007, 2006 and 2005. Personal Investor magazine's Home Lender of the Year 1999-2002, 2004 and 2005.

*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.

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.

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

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