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Home Loans

ANZ Breakfree home
loan package

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The complete package for home owners and residential property investors

ANZ Breakfree is a home loan package from the 'Home Loan Lender of the Year' that offers you great savings on ANZ home and investment loans, ANZ day-to-day banking accounts, ANZ credit cards and much more. (Note: Eligibility criteria applies in order to obtain membership of ANZ Breakfree.)

Below are some of the benefits that you get as a member of ANZ Breakfree:

  • Up to 0.70% p.a. discount off the ANZ Standard Variable Rate*
  • Up to 0.60% p.a. discount off the ANZ Equity Manager Rate*
  • No Loan Approval Fee on eligible ANZ home loans, ANZ residential investment loans and ANZ Equity Manager (save $500 per eligible loan instantly)
  • No monthly Loan Administration Charge on ANZ home and residential investment loans (save up to $120 a year per loan)
  • No annual Credit Facility Fee on ANZ Equity Manager (save $150 per account)

And there's more.

Low cost banking is just around the corner with more savings across more ANZ products and services. In addition to great home loan savings, ANZ Breakfree gives you the following additional benefits:

Dedicated customer service

As an ANZ Breakfree customer, you will also have access to the dedicated ANZ Breakfree customer service line for your convenience.

You can view the full list of features and benefits below:

How much does it cost?

The ANZ Breakfree package annual fee is $340.

Apply today or call 13 33 12 for more information

ANZ Breakfree is one call or one click away. Save today, call us now on 13 33 12 or apply online.

How much can I really save with ANZ Breakfree?

Find out more with this exhaustive list of benefits:

Borrowing (home and other loans)

  • Interest Rate discounts on the following ANZ home loans:

    Standard Variable Rate & Residential Investment Loans

    Individual loan size Total ANZ home loan lending Interest rate discount (p.a.)
    $150,000 - $249,999 0.50%
    $250,000 - $699,999 $250,000 - $699,999 0.60%
    $700,000 or greater $700,000 or greater 0.70%

    Equity Manager

    Individual loan size Total ANZ home loan lending Interest rate discount (p.a.)
    $150,000 - $249,999 0.50%
    $250,000 or greater $250,000 - $699,999 0.60%

    Discounts will apply at an individual loan size until total ANZ home loan lending exceeds $250,000, at which point the relevant interest rate discounts will apply to all eligible home loan products regardless of individual loan size, based on the above table.

    ANZ Money Saver (no longer offered), ANZ Easy Start (no longer offered) and Fixed Rate Loans do not qualify for interest rate discounts, however the outstanding balances of those loan types can be used to calculate total lending thresholds. ANZ Simplicity PLUS Loans do not qualify for discounts, nor can balances in those loan types be used to qualify for the total lending threshold.

  • Fee waivers on eligible ANZ home loans:
    • No Loan Approval Fee on your choice of up to five eligible ANZ Home Loans, Residential Investment Loans or Equity Manager accounts
    • No monthly Loan Administration Charge (on ANZ Variable Rate Loans, ANZ Fixed Rate Loans, ANZ Money Saver Loans (no longer offered) or ANZ Easy Start Loans (no longer offered))
    • No Annual Credit Facility Fee on ANZ Equity Manager accounts
    • Renegotiation Fee waived once per package per annum for eligible ANZ home loan products
  • No monthly Credit Facility Fee on an ANZ Assured facility of $1000. ANZ Assured gives you a safety net on your ANZ transaction account
  • No Loan Approval Fee, no Loan Administration Charge and 0.50% p.a. interest rate margin discount on an ANZ Variable Rate Personal Loan
  • No Establishment Fee on an ANZ Car Loan

Day-to-day banking (accounts and credit cards)

  • No Annual Account Fee on eligible ANZ credit cards
  • No hidden or monthly ANZ account service fees# on ANZ Access Advantage or ANZ One offset facility
  • 100% mortgage offset using ANZ One, with no monthly account fees
  • Special bonus interest rate on your ANZ Progress Saver account - you can see our current rates at anz.com
  • Discounts on fees for telegraphic transfers and drafts sent overseas at ANZ branches.

Investing

Insurance

Apply today or call 13 33 12 for more information

Please see the ANZ Breakfree 'Terms and Conditions' for further details and eligibility requirements.

IMPORTANT INFORMATION:

*Refer to the Breakfree terms and conditions for minimum lending requirements.

CANNEX Money magazine's Home Loan Lender of the Year 2008, 2007, 2006, 2005. CANNEX Personal Investor magazine's Home Lender of the Year 2005, 2004, 2002, 2001, 2000, 1999.

# Non-ANZ ATM fees still apply.

This material 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 applicable Product Disclosure Statement, policy document, or terms and conditions, which are available by calling 13 13 14, TTY 1300 366 255, visiting your local ANZ branch or visiting www.anz.com, before acquiring a product.

Insurance

ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance are co-issued by ING General Insurance Pty Limited ABN 56 072 892 365 AFSL 288160 (ING GI) and QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 (QBE).

ANZ Health Insurance is issued by BUPA Australia Health Pty Ltd. ABN 50 003 098 655, a Registered Health Benefits organisation.

ANZ Mortgage Protection is issued by ING Life Limited ABN 33 009 657 176 (ING Life) and QBE Insurance (Australia) Limited ABN 78 003 191 035 (QBE). ING Life insures the Life benefit; QBE insures the Disability benefit. ING Life is a wholly owned subsidiary of ING Australia Limited, ABN 60 000 000 779 (INGA), which is jointly owned by ING Group and ANZ.

In arranging these insurances, ANZ is acting under an authority given to it by the insurers and in doing so is acting on behalf of the insurers and not as your agent. ANZ, INGA and their related corporations, including ING Bank (Australia) Limited ABN 24 000 893 292 (ING Bank), do not accept any liability for, or guarantee benefits in respect of these insurance products except that ING Life guarantees payment of any life benefits specifically provided for under ANZ Mortgage Protection.

For the purposes of calculating discounts on ANZ Car Insurance, bank and government charges may be excluded in calculating the amount of premiums.

ANZ Car Loans are provided by Esanda Finance Corporation Limited ABN 64 004 346 043, a wholly owned subsidiary of ANZ.

Other notices

ANZ Financial Planners are representatives of Australia and New Zealand Banking Group Limited ABN 11 005 357 522, the holder of an Australian Financial Services Licence.

Information on this webpage does not form part of the Terms and Conditions of any loans or other facilities. ANZ Breakfree Benefits are not available in conjunction with any other special offers or discounts.

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