Refinance your home loan
Are you moving house, renovating or just thinking of different home loan options? Our Home Loan Specialists can help.
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Start refinancing today in 5 minutes
We'll make switching easy
Our Home Loan Specialists and Mobile Lendersdisclaimercan help you through the switching process. Or you can get your refinance application started online in 5 minutes.
Get a free Home Loan Check-in
A Home Loan Check-Indisclaimerchat with a Home Loan Specialist could help you figure out if switching to ANZ could suit your home loan needs.
Ways to save interest
Refinancing could help you find a better interest rate. You may also be able to consolidate debt and depending on your loan, make extra repayments, open an offset account or access redraw.
Bundle and save
Bundle your home loan, everyday account and credit card into an ANZ Breakfree packagedisclaimerand enjoy a great range of ongoing features and discounts. Annual fees of $395, other fees and charges apply.
Unlock your equity
You may also be able to use the equity in your existing property for renovations, investment opportunities, or other purpose. Our free ANZ Property Profile reportdisclaimercan help you get an estimate price range for your property.
Choose certainty or flexibility
A fixed rate loan provides certainty of what your repayments will be over the fixed period. A variable loan gives you the flexibility to make extra repayments and save on interest with an offset account. Or you can get the best of both worlds with a split loan.
Explore our home loansdisclaimer
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A home to live in
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A residential investment property
The flexibility you need
ANZ Standard Variable Home Loan
- Make extra repayments to pay your loan off faster
- Redraw available fundsdisclaimer(if you make extra repayments)
Principal and interest special offer rate under the ANZ Breakfree packagedisclaimer(borrowing ≤80% of the property value with total mortgage lending amount $500,000 plus)
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Principal and interest |
Annual package fee currently $395. Discounts vary based on lending amounts and other eligibility criteria. Terms and conditions, and minimum lending requirements apply. See all the rates available for this home loan type.
The certainty of fixed repayments
ANZ Fixed Home Loan
- Your interest rate won't change during the fixed period
- Choose from 1, 2, 3, 4, 5, 7 and 10 year fixed rate termsdisclaimer
Principal and interest rate under the ANZ Breakfree package (2 years fixed)
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Principal and interest |
Annual package fee currently $395. Terms and conditions, minimum lending requirements and eligibility criteria apply.disclaimer See all the rates available for this home loan type.
Line of credit secured by property
ANZ Equity Manager
- Use the equity in your existing property
- Only pay interest on what you use
- Flexible repayment termsdisclaimer
Interest rate under the ANZ Breakfree packagedisclaimer (borrowing ≤80% of the property value with total mortgage lending amount $500,000 plus)
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Interest rate |
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Annual package fee currently $395. Discounts vary based on lending amounts and other eligibility criteria. Terms and conditions, and minimum lending requirements apply. See all the rates available for this home loan type.
Keep it simple with no ongoing fees
ANZ Simplicity PLUS Home Loan
- Competitive variable interest rates and no ongoing fees
- Make extra repayments any time
Interest rate with Special Offer Discount (borrowing ≤80% of the property valuedisclaimer)
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Principal and interest |
Discount available on ANZ Simplicity PLUS Residential Investment Loans with at least $50,000 in new and additional ANZ lending. ANZ Simplicity PLUS is not available with an ANZ Breakfree package.
Need a bit more detail on our home loans?
Our home loans comparison tool can help you compare interest rates, loan terms, fees and features.
Bundle your home loan, everyday account and credit card into an ANZ Breakfree package and enjoy a great range of ongoing features and discounts.disclaimer
You could save
$1,800disclaimer in the first year
For an annual fee of
$395
If you take out a $250,000 ANZ Standard Variable Home Loan with a interest rate discount and fee waivers under the Breakfree package.
Other fees and charges apply
What you get
- Interest rate discounts on nominated loan accountsdisclaimer
- Everyday account fee waiverdisclaimer
- Credit card annual fee waiverdisclaimer
- Optional insurance discountsdisclaimer
- Choice of variable or fixed home loan options
- No limit on the number of eligible home loans under the one package
How much could I borrow?
Get an indication of how much you may be able to borrow
What could my repayments be?
Get an estimate of your potential loan repayments
Quick start home loan application
Get started in just 5 minutes to apply for a new home loan, refinance, or pre-approvaldisclaimer
Request a call back
Connect with a mobile lender disclaimer
Visit a branch or ANZ Home Centre
You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.
You might also be interested in
The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF) before acquiring any product.
Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply. Australian credit licence number 234527.
Repayment Calculator
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 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, once the interest only period expires, the loan will revert to the applicable variable rate loan for the remainder of the loan term (unless another interest rate period is taken). At the end of the interest only period, minimum repayment amounts may increase to cover principal and interest. 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.
Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.
Borrowing power calculator
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.
Back to topAn ANZ Home Loan Check-In is a discussion about your home loan and other goals you may be considering. ANZ is not giving you recommendations or advice. The Check-In is based on limited information and won’t take into account all your financial situation, needs and objectives.
Before making any changes to your home loan, carefully consider all relevant information, including benefits, costs and risks. Sometimes making changes may end up costing you more.
Terms, conditions, fees, charges, and credit approvals and eligibility criteria apply to ANZ home loans.
Back to topProperty price information in an ANZ property profile report, such as a price prediction or price range, is an estimate, not a valuation. Property price information may not be available for all properties, is for personal domestic use only and may change daily. Actual sale prices may be different.
Back to topAnnual package fee currently $395 and subject to change. Eligibility criteria and terms and conditions apply, including a minimum total mortgage lending requirement of $150,000. See ANZ Breakfree Terms and Conditions (PDF 80kB) for details. ANZ Breakfree package benefits only apply while you maintain the package and meet ongoing eligibility criteria. Terms and conditions and fees and charges apply to products and services taken out in connection with an ANZ Breakfree package.
Back to topInterest rates shown on this page are current as at and are subject to change.
Back to topTerms 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 topThe range of interest rates shown incorporate ANZ Breakfree discounts and ANZ Breakfree Special Offer discounts which apply while you hold an ANZ Breakfree package and meet ongoing eligibility criteria. The applicable discount varies based on loan amount, total mortgage lending and other eligibility criteria. Eligibility for interest rate discounts of between 0.75% p.a. and 0.90% p.a. are subject to ANZ Breakfree Package Special Offer Terms and Conditions (PDF 40kB), which include total mortgage lending requirements, lending to value ratio requirements, and new lending requirements for existing customers. Eligibility for discounts between and are based on total mortgage lending requirements and the ANZ Breakfree Terms and Conditions. For details, see ANZ Breakfree package.
Back to topComparison 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.
Back to topRates 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.
Back to topThis 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.
Back to topInterest 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.
Back to topFlexible repayment terms as long as you’re under your limit. If you go over your limit, you’ll need to make a payment to bring it back under.
Back to topProperty value is ANZ's valuation of the security property and may be different to the price you pay for a property.
Back to topAccount service fee waived on one eligible transaction account (ANZ Access Advantage account or ANZ One offset account).
Back to topThe Annual Account Fee is waived on one eligible ANZ credit card account held under an ANZ Breakfree Package. The waiver only applies while the account is held under the package. A Rewards Program Services Fee of $55 per cardholder may apply to ANZ Rewards and ANZ Frequent Flyer accounts.
Back to topANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance are issued by QBE Insurance (Australia) Limited (QBE) ABN 78 003 191 035 (AFSL 239545). This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. You should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs. ANZ recommends that you read ANZ Financial Services Guide (PDF, 107kB) and the relevant ANZ Home insurance Product Disclosure Statement and Policy (PDF 2.1MB), ANZ Landlord Insurance Product Disclosure Statement and Policy (PDF 760kB), ANZ Car Insurance Product Disclosure Statement and Policy (PDF 814kB), available by calling 13 16 14 or visiting anz.com before deciding whether to acquire, or to continue to hold, any of these products. To be entitled to a discount on your insurance you must notify the issuers of these products at the time of application that you are an ANZ Breakfree package customer. Please note for ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance the discount is only applicable to the first year’s premium. Reference to insurance premium amounts for the purposes of calculating the applicable Breakfree package benefits exclude any stamp duty, GST and other government fees, charges or levies components that are included in the total premium amount paid by you. These discounts are not available in conjunction with any other discount offer made by issuers of these products or ANZ.
Back to topFor an annual fee of $395 you get 0.60% p.a. interest rate discount on a $250,000 ANZ Standard Variable home loan, saving $1,500 in the first year. You also get the Loan Approval Fee waived on your ANZ home loan ($600), the Monthly Loan Administration Charge waived on your ANZ Standard Variable Home Loan ($60) and the monthly account service fee waived on one ANZ One offset account ($120).
Back to topANZ 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.
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