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Home loans and features that let you do more

Because everyone's property needs are different

We understand that the property buying journey isn't always a straightforward process. Here are some options which may suit you - or you can speak to a Home Loan Specialist about what you'd like to do.

Land loans and construction loans

We have construction loans that let you make progressive paymentsdisclaimeras the construction bills come in from the builder or developer. This could help you save on interest, as you won't have to make the entire payment upfront. And if you need to buy a block of land, choose one of our land loans.

Access funds using your offset

Our ANZ One offset accountdisclaimeris a transaction account that you can link to your eligible home or investment loan. The money you have in this account will offset the amount you owe on that loan, and you'll only be charged the interest on the difference.

Flexibility of a split loan

If you want the benefits of a variable rate home as well as the certainty of a fixed rate home loan, you could get the best of both worlds by splitting your loan.


Supplementary loansdisclaimer

Got an existing home loan with us, and have equity in that property? You may be able to access that equity with a supplementary loan. You can use that money for a variety of different purposes (for example, to buy a car, make an investment or renovate your home).

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 conditionsProduct 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.

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).


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


Terms and conditions apply including a maximum loan term of 10 years. Minimum loan amounts vary depending on loan type. Fees and charges apply.