ANZ welcomes Apple Pay to Australia.
All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply.
Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the Terms and Conditions, Product Disclosure Statement and Financial Services Guide before acquiring any product.
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All applications for credit are subject to ANZ’s normal credit approval criteria. Product terms and conditions are available on application and eligibility criteria applies to the Breakfree package. An annual Breakfree package fee of $395 and a minimum lending requirement of $150,000 applies. Breakfree benefits only apply while you maintain the package and meet ongoing eligibility criteria. See anz.com/breakfree or ask ANZ for details.
This is an estimate for illustrative purposes only and is based on the limited information provided. It does not constitute an offer of credit. To apply for an ANZ Home Loan you must complete an application.
The estimated repayment amount does not include any fees or charges.
If a Variable Rate Loan is selected, the interest rate will be subject to change throughout the term of the Loan, which can impact on repayment amounts.
Results are based on approximate amortised scheduled repayments and do not take into account interest rate changes or other events that may change repayment amounts on a loan.
For fixed rate loans, once the fixed rate period expires, the loan reverts to a variable rate loan and repayment amounts will change.
For interest only loans, minimum repayments will increase to principal and interest after the interest only period expires. Interest only loans are not for everyone and you should consider if this is the right strategy for you.
The calculator does not include ANZ Equity Manager.
Interest rates are current as at and are subject to change.
Rates shown for loans of less than $150,000 do not include the Breakfree discount. Visit ANZ Breakfree to find out if you are eligible for the Breakfree discount.
ANZ Home Loans are available for periods between 1 and 30 years.
ANZ Home Loans are available for a minimum of $10,000. This calculator has been set to a maximum of $9,900,000 but you can apply for a higher amount.
Borrowing power calculator
All applications for credit are subject to ANZ's normal credit approval criteria. Product terms and conditions are available on application. Fees and charges apply.
This estimate is based on the accuracy of the limited information provided. It is also based on a loan term of 30 years and either an ANZ Standard Variable rate for home loans or an ANZ Standard Variable rate for residential investment property loans depending on the type of property you have selected. It does not constitute an offer of credit. To apply for an ANZ Home Loan you must complete an application.
The calculation of estimated maximum home loan borrowing power excludes Lenders Mortgage Insurance. The value of the security property is also considered in any credit assessment criteria.
Terms and Conditions and eligibility criteria apply to ANZ Redraw. ANZ Redraw is not available on loans in a company name. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF 412kB).Back to top
A Progress Payment Fee of $250 will be payable when you first request a Progress Payment to be drawn down under the loan. See ANZ Personal Banking General Fees and Charges (PDF 116kB).Back to top
Interest only loans are not for everyone and you should consider if this is the right strategy for you. Applications are subject to credit assessment.Back to top
Subject to ANZ's credit assessment criteria.Back to top
Approval is at ANZ’s discretion. See the ANZ Consumer Lending Terms and Conditions (PDF 412kB) for eligibility criteria. Interest on the amount of principal outstanding will continue to accumulate during the repayment holiday period.Back to top
This comparison rate is for a loan of $150,000 over 25 years based on monthly repayments. These rates are for secured loans only.
WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.Back to top
Offers can be withdrawn or changed at any time.Back to top
Interest rates shown on this page are current as at and are subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB), ANZ Personal Banking General Fees and Charges (PDF 155kB) and your letter of offer.Back to top
Converting or renegotiating - We charge a fee for when you renegotiate or convert your ANZ home or residential investment loan or ANZ Equity Manager. The amount of this fee will be as follows:
$200 - If there is no change to the borrowers, the term or amount of the loan or the security provided in connection with the loan, and the repayments are not changing to interest-only repayments.
$350 - If there is a change to the borrowers, the term or amount of the loan or the security provided in connection with the loan, or the repayments are changing to interest-only repayments.Back to top
Lenders Mortgage Insurance (LMI) is paid by the borrower and protects ANZ in the event that the borrower defaults and a shortfall arises following the sale of the security property. ANZ usually requires LMI where the Loan to Value Ratio (LVR) is above 80% (depending on the type of property).Back to top