Contact Details

• Call an ANZ home loan expert
• We come to you
• Send us your enquiry online
• Visit an ANZ branch
• Apply for a home loan

Calculators and Product Selectors

• How much can I borrow?
• Calculate my repayments
• Help me select a loan
• Get pre-approved

Related Products

• Home and contents insurance
• Landlord insurance
• Mortgage protection insurance
• First Home Saver Account

ANZ offers competitive rates and fees that are easy to understand.

• Interest rates are set based on the sub-account loan type.
• There is a single annual fee of $550 to manage your ANZ Portfolio and a one-off approval fee of $750^{^}.

This fee structure means you can set up and change the sub-accounts at no additional up-front establishment of approval costs, providing the total sub-account balance is within the ANZ Portfolio credit limit.

^ Deferred establishment fee may apply

Flexibility

Establish up to 12 sub-accounts under your ANZ Portfolio with the ability to cancel existing sub accounts and open new ones as your goal and priorities change (subject to sub-account terms and conditions).

Cash flow efficiency

With ANZ Portfolio, the primary sub-account will be an ANZ Equity Manager. ANZ Equity Manager offers efficient cash flow by combining the features of a line of credit with those of a transaction account. Funds paid directly into the ANZ Equity Manager work daily to reduce both the principal and interest owed, potentially saving thousands of dollars in interest.

Make the most of your investment opportunities

As long as you remain within your ANZ Portfolio limit you can modify and add sub-accounts without going through further approval processes or paying sub-account approval fees. That puts you in a great position to make the most of investment opportunities as they arise, and the ability to respond in your time, not the bank's.

Flexible ownership structure

Sub-accounts can be held in the name(s) of the Portfolio holders. This allows you to structure the sub-accounts to best suit the needs of the various Portfolio holders and provides convenient record keeping to manage budgets and prepare tax returns.

Greater control over repayments

Make principal and interest, interest only or interest in advance payments*. Sub-account holders have the option to adjust repayments to match differing needs. Giving greater control and flexibility.

Simplified fees

A single annual credit facility fee and one-off approval fee covers the cost of establishing your ANZ Portfolio, sub-account set-up and credit facility fees.

Choice

Access a broad range of loan types to suit your requirements including variable rate, fixed rate or line of credit.

If you are thinking about investing in shares, it's easy to get started with ANZ E*TRADE.  Once you join you'll have access to a comprehensive range of trading tools, investment products and free research from Australia’s leading independent research providers. Find out more.

* Not available on all sub-account types. See terms and conditions for details.

To speak to one of our dedicated home loan experts call 13 33 12 or visit an ANZ branch.

How does it work?

Using the equity you have in your property to grow your wealth – ANZ Portfolio enables you to access funds at your convenience as and when opportunities arise.

Your primary sub-account – an ANZ Equity Manager account is a personal transaction account and you can choose to operate your ANZ Equity Manager primary sub-account with or without a credit limit.

You can establish up to 12 sub-accounts, each with their own purpose, and access a range of loan products to help you achieve your goals – whether you want to fund an existing home loan, buy an investment property, buy shares or a car. You can modify or add sub-accounts as your needs change.

And with a one-off approval fee you can access funds without paying further approval fees.

Speak to one of our dedicated home loan experts today call 13 33 12 or simply visit your nearest branch.