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Compare ANZ home loans

ANZ Home Loans

Product information

The flexibility you need

The certainty of fixed repayments

Line of credit secured by your property

Our low rate, low fee loan

The flexibility you need

The certainty of fixed repayments

Line of credit secured by your property

The flexibility you need

The certainty of fixed repayments

Line of credit secured by your property

Our low rate, low fee loan

The flexibility you need

The certainty of fixed repayments

Line of credit secured by your property

Overview

Description

ANZ Standard Variable is full of features, so you can react to changes in your life or circumstances. It could be especially useful if you're trying to pay off your loan early or need to access the extra repayments you've made.

An ANZ Fixed loan can give you the certainty of a fixed interest ratedisclaimer, and the peace of mind of knowing your repayments won't change during the fixed period.

ANZ Equity Manager is a line of credit that helps you turn the equity in your home into money you can actually use. You'll be able to access it any time, just like an everyday banking account.

If you need a variable rate loan, but you don't want to pay for extra features you won't use, consider ANZ Simplicity PLUS. It's a basic loan that still gives you the flexibility to make extra repayments to pay it off sooner.

ANZ Standard Variable is full of features, so you can react to changes in your life or circumstances. It could be especially useful if you're trying to pay off your loan early or need to access the extra repayments you've made.

An ANZ Fixed loan can give you the certainty of a fixed interest ratedisclaimer, and the peace of mind of knowing your repayments won't change during the fixed period.

ANZ Equity Manager is a line of credit that helps you turn the equity in your home into money you can actually use. You'll be able to access it any time, just like an everyday banking account.

ANZ Standard Variable is full of features, so you can react to changes in your life or circumstances. It could be especially useful if you're trying to pay off your loan early or need to access the extra repayments you've made.

An ANZ Fixed loan can give you the certainty of a fixed interest ratedisclaimer, and the peace of mind of knowing your repayments won't change during the fixed period.

ANZ Equity Manager is a line of credit that helps you turn the equity in your home into money you can actually use. You'll be able to access it any time, just like an everyday banking account.

If you need a variable rate loan, but you don't want to pay for extra features you won't use, consider ANZ Simplicity PLUS. It's a basic loan that still gives you the flexibility to make extra repayments to pay it off sooner.

ANZ Standard Variable is full of features, so you can react to changes in your life or circumstances. It could be especially useful if you're trying to pay off your loan early or need to access the extra repayments you've made.

An ANZ Fixed loan can give you the certainty of a fixed interest ratedisclaimer, and the peace of mind of knowing your repayments won't change during the fixed period.

ANZ Equity Manager is a line of credit that helps you turn the equity in your home into money you can actually use. You'll be able to access it any time, just like an everyday banking account.

Principal and interest - current interest rate


2 year Fixed Rate Loan

See rates for other loan terms

Interest rate with Special Offer Discount

Discount available on ANZ Simplicity PLUS Home Loans with at least $50,000 in new to ANZ lending.

 to disclaimer

Annual package fee of $395. Discounts vary based on lending amounts and other eligibility criteria. Terms and conditions, and minimum lending requirements apply.

See all rates


2 year Fixed Rate Loan

Annual package fee of $395. Terms and conditions, minimum lending requirements and eligibility criteria apply.disclaimer

See rates for other loan terms

 to disclaimer

Annual package fee of $395. Discounts subject to eligibility criteria and minimum lending requirements.

See all rates


2 year Fixed Rate Loan

See rates for other loan terms

Interest rate with Special Offer Discount

Discount available on ANZ Simplicity PLUS Residential Investment Loans with at least $50,000 in new to ANZ lending.

 to disclaimer

Annual package fee of $395. Discounts vary based on lending amounts and other eligibility criteria. Terms and conditions, and minimum lending requirements apply.

See all rates


2 year Fixed Rate Loan

Annual package fee of $395. Terms and conditions, minimum lending requirements and eligibility criteria apply.disclaimer

See rates for other loan terms

 to disclaimer

Annual package fee of $395. Discounts subject to eligibility criteria and minimum lending requirements.

See all rates

Principal and interest - comparison rate

disclaimer

disclaimer
2 year Fixed Rate Loan

See comparison rates for other loan terms

-

disclaimer

Comparison rate with Special Offer Discount

disclaimer

Discount available on ANZ Simplicity PLUS Home Loans with at least $50,000 in new to ANZ lending.

 to disclaimer

See all comparison rates

disclaimer
2 year Fixed Rate Loan

See comparison rates for other loan terms

-

disclaimer

disclaimer
2 year Fixed Rate Loan

See comparison rates for other loan terms

-

disclaimer

Comparison rate with Special Offer Discount

disclaimer

Discount available on ANZ Simplicity PLUS Residential Investment Loans with at least $50,000 in new to ANZ lending.

 to disclaimer

See all comparison rates

disclaimer
2 year Fixed Rate Loan

See comparison rates for other loan terms

-

Interest only - current interest rate

disclaimerdisclaimer

disclaimer
2 year Fixed Rate Loan

See rates for other loan terms

N/A

 to disclaimer, disclaimer, disclaimer

Annual package fee of $395. Discounts vary based on lending amounts and other eligibility criteria. Terms and conditions, and minimum lending requirements apply.

See all rates

disclaimer
2 year Fixed Rate Loan

Annual package fee of $395. Terms and conditions, minimum lending requirements and eligibility criteria apply.disclaimer

See rates for other loan terms

 to disclaimer

Annual package fee of $395. Discounts subject to eligibility criteria and minimum lending requirements.

See all rates

disclaimer, disclaimer

disclaimer
2 year Fixed Rate Loan

See rates for other loan terms

N/A

 to disclaimer, disclaimer, disclaimer

Annual package fee of $395. Discounts vary based on lending amounts and other eligibility criteria. Terms and conditions, and minimum lending requirements apply.

See all rates

disclaimer
2 year Fixed Rate Loan

Annual package fee of $395. Terms and conditions, minimum lending requirements and eligibility criteria apply.disclaimer

See rates for other loan terms

 to disclaimer

Annual package fee of $395. Discounts subject to eligibility criteria and minimum lending requirements.

See all rates

Interest only - comparison rate

disclaimer

disclaimer
2 year Fixed Rate Loan

See comparison rates for other loan terms

-

N/A

 to disclaimer

See all comparison rates

disclaimer
2 year Fixed Rate Loan

See comparison rates for other loan terms

-

disclaimer

disclaimer
2 year Fixed Rate Loan

See comparison rates for other loan terms

-

N/A

 to disclaimer

See all comparison rates

disclaimer
2 year Fixed Rate Loan

See comparison rates for other loan terms

-

Loan term

Maximum 30 years

1 - 5, 7 and 10 year fixed rate terms available. Maximum overall term is 30 years.

Ongoing line of credit

Maximum 30 years

Maximum 30 years

1 - 5, 7 and 10 year fixed rate terms available. Maximum overall term is 30 years.

Ongoing line of credit

Maximum 30 years

1 - 5, 7 and 10 year fixed rate terms available. Maximum overall term is 30 years.

Ongoing line of credit

Maximum 30 years

Maximum 30 years

1 - 5, 7 and 10 year fixed rate terms available. Maximum overall term is 30 years.

Ongoing line of credit

Minimum loan amount/credit limit

$20,000

$20,000

$20,000 minimum credit limit

$50,000

$20,000

$20,000

$20,000 minimum credit limit

$20,000

$20,000

$20,000 minimum credit limit

$50,000

$20,000

$20,000

$20,000 minimum credit limit

Maximum loan as percentage of property value

Generally up to 90% for new customers and 95% for existing customers paying principal and interest.disclaimer Up to 80% for customers on interest only repayments.

Generally up to 90% for new customers and 95% for existing customers paying principal and interest.disclaimer Up to 80% for customers on interest only repayments.

Generally up to 80% for new and existing customersdisclaimer

Generally up to 90% for new customers and 95% for existing customers paying principal and interest.disclaimer Interest only repayments are not available on ANZ Simplicity PLUS loans.

Generally up to 90% for new customers and 95% for existing customers paying principal and interest. Up to 80% for customers on interest only repaymentsdisclaimer

Generally up to 90% for new customers and 95% for existing customers paying principal and interest. Up to 80% for customers on interest only repayments.disclaimer

Generally up to 80% for new and existing customersdisclaimer

Generally up to 90% for new and existing customers paying principal and interest. Up to 80% for customers on interest only repayments.disclaimer

Generally up to 90% for new and ;existing customers paying principal and interest. Up to 80% for customers on interest only repayments.disclaimer

Generally up to 80% for new and existing customersdisclaimer

Generally up to 90% for new and existing customers paying principal and interest.disclaimer Interest only repayments are not available on ANZ Simplicity PLUS loans.

Generally up to 90% for new and existing customers paying principal and interest. Up to 80% for customers on interest only repayments.disclaimer

Generally up to 90% for new and existing customers paying principal and interest. Up to 80% for customers on interest only repayments.disclaimer

Generally up to 80% for new and existing customersdisclaimer

Lenders Mortgage Insurance (LMI)

Required if amount borrowed is more than 80% of the valuation of the security property

Required if amount borrowed is more than 80% of the valuation of the security property

N/A

Required if amount borrowed is more than 80% of the valuation of the security property

Required if amount borrowed is more than 80% of the valuation of the security property

Required if amount borrowed is more than 80% of the valuation of the security property

N/A

Required if amount borrowed is more than 80% of the valuation of the security property

Required if amount borrowed is more than 80% of the valuation of the security property

N/A

Required if amount borrowed is more than 80% of the valuation of the security property

Required if amount borrowed is more than 80% of the valuation of the security property

Required if amount borrowed is more than 80% of the valuation of the security property

N/A

Annual Breakfree package fee

$395

$395

$395

$395

$395

$395

Loan Approval Fee

$600

$600

$600

LAF waived on request (special offer, usually $600)disclaimer

Waived (usually $600)

Waived (usually $600)

Waived (usually $600)

$600

$600

$600

LAF waived on request (special offer, usually $600)disclaimer

Waived (usually $600)

Waived (usually $600)

Waived (usually $600)

Loan Administration Charge/Credit Facility Fee

$5 per month

$10 per month

$150 (per year credit facility fee)

$0 per month

Waived (usually $5 per month)

Waived (usually $10 per month)

Waived (usually $150 (per year credit facility fee))

$5 per month

$10 per month

$150 (per year credit facility fee)

$0 per month

Waived (usually $5 per month)

Waived (usually $10 per month - applies during fixed interest rate period)

Waived (usually $150 (per year credit facility fee))

Lock Rate Fee

N/A

$750 payable at application

N/A

N/A

N/A

$750 payable at application

N/A

N/A

$750 payable at application

N/A

N/A

N/A

$750 payable at application

N/A

Redraw fee

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Early Repayment Cost

N/A - Pay your loan off in full at any time

Yesdisclaimer
Find out more

N/A

N/A

N/A - Pay your loan off in full at any time

Yesdisclaimer
Find out more

N/A

N/A - Pay your loan off in full at any time

Yesdisclaimer
Find out more

N/A

N/A

N/A - Pay your loan off in full at any time

Yesdisclaimer
Find out more

N/A

Renegotiation fee

$200 or $350 depending on change requested

$200 or $350 depending on change requested

An Early Repayment Cost may apply where you renegotiate your loandisclaimer

$200 or $350 depending on change requested

Waived on request (special offer, usually $200 or $350 depending on change requested)disclaimer

Waived ($200 or $350 depending on change requested)

Waived ($200 or $350 depending on change requested)

Waived ($200 or $350 depending on change requested) 

$200 or $350 depending on change requested

$200 or $350 depending on change requested

An Early Repayment Cost may apply where you renegotiate your loandisclaimer

$200 or $350 depending on change requested

Waived on request (special offer, usually $200 or $350 depending on change requested)disclaimer

Waived ($200 or $350 depending on change requested)

Waived ($200 or $350 depending on change requested)

Waived ($200 or $350 depending on change requested) 

General fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal banking account fees and charages (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Refer to ANZ Personal Banking General Fees and Charges (PDF 117kB), ANZ Personal Banking Account Fees and Charges (PDF 180kb) and your letter of offer for applicable fees and charges

Additional features

Repayment frequency

Weekly, fortnightly or monthly.

Weekly, fortnightly or monthly.

No set scheduledisclaimer

Weekly, fortnightly or monthly.

Weekly, fortnightly or monthly.

Weekly, fortnightly or monthly.

No set schedule

Weekly, fortnightly or monthly.

Weekly, fortnightly or monthly.

No set schedule

Weekly, fortnightly or monthly.

Weekly, fortnightly or monthly.

Weekly, fortnightly or monthly.

No set scheduledisclaimer

Ability to make additional repayments

Yes

An Early Repayment Cost may applydisclaimer

Manage your own repayment schedule

Yes

Yes

An Early Repayment Cost may applydisclaimer

Manage your own repayment schedule

Yes

An Early Repayment Cost may applydisclaimer

Manage your own repayment schedule

Yes

Yes

An Early Repayment Cost may applydisclaimer

Manage your own repayment schedule

100% offset account

Yes

Available on an ANZ one-year Fixed Home Loan

Not available

Not available

Yes

Available on an ANZ one-year Fixed Home Loan

Not available

Yes

Available on an ANZ one-year Fixed Residential Investment Loan

Not available

Not available

Yes

Available on an ANZ one-year Fixed Residential Investment Loan

Not available

Interest only repayment

Yes - Up to 5 years
(Land Loan up to 3 years)

Yes - Up to 5 years

Yes

N/A

Yes - Up to 5 years
(Land Loan up to 3 years)

Yes - Up to 5 years

Yes

Yes - Up to 5 years
(Land Loan up to 1 year)

Yes - Up to 5 years

Yes

N/A

Yes - Up to 5 years
(Land Loan up to 1 year)

Yes - Up to 5 years

Yes

Redraw facility

Yesdisclaimer

Not available during fixed rate perioddisclaimer

Access funds up to the approved limitdisclaimer

Yesdisclaimer

Yesdisclaimer

Not available during fixed rate perioddisclaimer

Access funds up to the approved limitdisclaimer

Yesdisclaimer

Not available during fixed rate perioddisclaimer

Access funds up to the approved limitdisclaimer

Yesdisclaimer

Yesdisclaimer

Not available during fixed rate perioddisclaimer

Access funds up to the approved limitdisclaimer

Ability to split loan (fees and charges may apply)

Yes - Find out more

Yesdisclaimer - May incur an Early Repayment Cost

Yes - Find out more

Yes - Find out more

Yes - Find out more

Yesdisclaimer - May incur an Early Repayment Cost

Yes - Find out more

Yes - Find out more

Yesdisclaimer - May incur an Early Repayment Cost

Yes - Find out more

Yes - Find out more

Yes - Find out more

Yesdisclaimer - May incur an Early Repayment Cost

Yes - Find out more

Ability to repay your loan early

Yes

An Early Repayment Cost may applydisclaimer

Yes

Yes

Yes

An Early Repayment Cost may applydisclaimer

Yes

Yes

An Early Repayment Cost may applydisclaimer

Yes

Yes

Yes

An Early Repayment Cost may applydisclaimer

Yes

Repayment holiday

Yes - Find out more

Yes - Find out more

No

Yes - Find out more

Yes - Find out more

Yes - Find out more

No

Yes - Find out more

Yes - Find out more

No

Yes - Find out more

Yes - Find out more

Yes - Find out more

No

Draw down loan progressively on construction loans

Yesdisclaimer- up to 12 months

Yesdisclaimer - up to 4 months

N/A

Yesdisclaimer- up to 12 months

Yesdisclaimer- up to 12 months

Yesdisclaimer - up to 4 months

N/A

Yesdisclaimer- up to 12 months

Yesdisclaimer - up to 4 months

N/A

Yesdisclaimer- up to 12 months

Yesdisclaimer- up to 12 months

Yesdisclaimer - up to 4 months

N/A

Monthly Account Service Fee waiver available

You can apply for us to waive the monthly account service fee (usually $5) on your ANZ Access Advantage account if you have your salary paid into your ANZ account.disclaimer

You can apply for us to waive the monthly account service fee (usually $5) on your ANZ Access Advantage account if you have your salary paid into your ANZ account.disclaimer

N/A

N/A

Choose from ANZ Access Advantage (usually $5) or ANZ One offset account (usually $10).disclaimer

Choose from ANZ Access Advantage (usually $5) or ANZ One offset account (usually $10).disclaimer

Choose from ANZ Access Advantage (usually $5) or ANZ One offset account (usually $10).disclaimer

You can apply for us to waive the monthly account service fee (usually $5) on your ANZ Access Advantage account if you have your salary paid into your ANZ account.disclaimer

You can apply for us to waive the monthly account service fee (usually $5) on your ANZ Access Advantage account if you have your salary paid into your ANZ account.disclaimer

N/A

N/A

Choose from ANZ Access Advantage (usually $5) or ANZ One offset account (usually $10).disclaimer

Choose from ANZ Access Advantage (usually $5) or ANZ One offset account (usually $10).disclaimer

Choose from ANZ Access Advantage (usually $5) or ANZ One offset account (usually $10).disclaimer

ANZ Assured

$1,000 ANZ Assured facility on an ANZ One or an ANZ Access Advantage account (subject to ANZ approval)

$1,000 ANZ Assured facility on an ANZ One or an ANZ Access Advantage account (subject to ANZ approval)

Not available

Not available

$1,000 ANZ Assured facility on an ANZ One or an ANZ Access Advantage account (subject to ANZ approval)

$1,000 ANZ Assured facility on an ANZ One or an ANZ Access Advantage account (subject to ANZ approval)

Not available

$1,000 ANZ Assured facility on an ANZ One or an ANZ Access Advantage account (subject to ANZ approval)

$1,000 ANZ Assured facility on an ANZ One or an ANZ Access Advantage account (subject to ANZ approval)

Not available

Not available

$1,000 ANZ Assured facility on an ANZ One or an ANZ Access Advantage account (subject to ANZ approval)

$1,000 ANZ Assured facility on an ANZ One or an ANZ Access Advantage account (subject to ANZ approval)

Not available

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 relevant Terms and Conditions, Product Disclosure Statement and Financial Services Guide before acquiring any product. 

All applications for credit are subject to ANZ's credit approval criteria. Terms and Conditions apply and are available on application. Fees, charges and eligibility criteria apply. 

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Comparison rate calculated on a loan amount of $150,000 over a term of 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.

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.

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

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Choose from 1-5 year interest only terms. At the end of the interest only term, the rate will switch to the relevant variable interest rate.

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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.

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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).

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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).

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Eligibility criteria apply. On application for the waiver by the customer, the monthly account service fee will be waived on one nominated ANZ Access Advantage account. For more information on Exemptions and Concessions please refer to ANZ Personal Banking Account Fees and Charges (PDF 544kB).

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Fixed Rate Home Loans aren’t for everyone and the rate may change at any time prior to the loan being settled. You can ask ANZ about options for locking in a fixed rate before settlement. Terms and Conditions and a $750 Lock Rate Fee apply.

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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.

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For ANZ Fixed Rate loans, you can make early or additional repayments up to a set available tolerance amount (the lesser of 5% of the loan amount at the start of the current fixed rate period or $5,000) each year of the fixed rate period, without triggering an Early Repayment Cost.  An Early Repayment Cost may be incurred if, during the fixed rate period, the available tolerance amount is exceeded, the loan is fully repaid or refinanced, or ANZ agrees to change the interest rate at your request. Please be aware that Early Repayment Costs can be very large. Terms and Conditions apply please refer to the ANZ Consumer Lending Terms and Conditions (PDF 296kB) and ANZ Fixed Rate Loans - What happens if you repay some or all of it early? (PDF 140kB). Alternatively please visit any ANZ branch or phone the Home Loan Hotline on 1800 100 641, 8:00am to 8:00pm (AEST), Monday to Friday, 8:00am to 6:00pm (AEST) Saturdays and Sundays.

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Any amount drawn in excess of the credit limit must be repaid in accordance with the ANZ Consumer Lending terms and conditions (PDF 661kB).

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Offers can be withdrawn or changed at any time. Customers must request waiver or refund of Loan Approval Fee or any Renegotiation Fee, this will not be automatically applied. In some instances customer may receive refund instead of waiver of loan approval fee or any renegotiation fee.

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The 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.

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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.

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Choose from 1-5 year interest only terms. At the end of the interest only term, the rate will switch to the relevant variable interest rate.

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