Buying an investment property

Property price information in an ANZ Property Profile Report is an estimate (not a valuation), may not be available for all properties, is for personal domestic use only and may change daily. Actual sale prices may differ. The report is not personal advice and ANZ takes no responsibility for any error or omission.

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.

Subject to credit approval criteria. Different maximum loan amounts may apply to specific property types and locations. Eligible existing ANZ customers must have had a retail lending product for greater than 6 months with a satisfactory credit history.

Terms and Conditions, fees and charges apply please refer to the ANZ Consumer Lending Terms and Conditions (PDF 412kB).

Interest rates shown on this page are current as at  and are subject to change. 

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).

The interest rate shown incorporates ANZ Breakfree discounts which apply while you hold an ANZ Breakfree Package and meet ongoing eligibility criteria. Eligibility for interest rate discounts are based on total mortgage lending requirements and Lending to Value Ratio requirements. For details, see ANZ Breakfree Package and the ANZ Breakfree Terms and Conditions (PDF,131KB). 

Property value is ANZ's valuation of the security property and may be different to the price you pay for a property. ANZ Fixed Home Loan discounts when borrowing 80% or less of the property value are available for applications submitted from Monday 15 February 2021.

Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including a Breakfree package discount (if applicable). 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.

For interest only variable loans, the comparison rates are based on an initial 5 year interest only term. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.

The repayment calculator does not show all interest rates. Our home loan interest rates page shows all available rates, including special offers and discounts when borrowing 80% or less of the property value.

Rates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan.

This Comparison Rate is for secured loans of $150,000 over 25 years based on monthly repayments, including minimum Breakfree discount.

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.

Fixed home loans aren’t for everyone and early repayment costs may apply if you repay your loan or switch to another one before the end of your fixed term or make early or additional repayments. Once the fixed rate period ends, the loan reverts to a variable rate loan and repayment amounts will change.

Interest rate discounts apply to eligible loan accounts linked to the Breakfree package which meet minimum lending requirements (total mortgage lending must be at least $150,000) and apply while you hold a package and meet ongoing eligibility criteria. Annual package fee $395 and subject to change.

Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.

The rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.

ANZ may provide pre-approval (also known as approval in principle or conditional approval) to eligible customers who apply for an ANZ home loan and complete an application form and satisfy any other applicable requirements. Pre-approval is an approval for a loan subject to conditions being met, including that security is satisfactory to ANZ. Australian Credit Licence Number 234527.

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

This estimate is based on the accuracy of the limited information provided. It is also based on a loan term of 30 years, payment type principal and interest 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. The estimate might be different if payment type is interest only. It does not constitute an offer of credit. To apply for an ANZ Home Loan you must complete an application. All applications for credit are subject to ANZ's normal credit approval criteria. ANZ does not store the information you provided to generate this document.

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.

Minimum loan amounts apply to different loan types. For more information, visit anz.com or contact us.

ANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.