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If you're self-employed or a small business owner who's applying for a home loan, our Lo Doc option may help you get the property you need. You may be able to buy a home, invest in residential property or refinance even if you can't provide recent payslips and a letter from your employer.

With our Lo Doc option, you could borrow up to 60% of the value of the secured property (depending on the location and type of the property). This applies to self-employed applicants who have had an ABN registered for at least 12 months. Here's what you may get:

  • All the same features and benefits that come with ANZ Equity Manager or ANZ Standard Variable and ANZ Fixed Home and Residential Investment loans 
  • You won't have to pay a premium on our current interest rates
  • Eligible for both home buyers and residential property investors

We'll talk to you about your requirements and objectives, and find out more about your circumstances. You'll still need to provide documents which generally include:

  • Your registered business name
  • Your ABN (which needs to have been registered for at least 12 months)
  • Your Business Activity Statement (BAS) for the last 12 months, together with ATO lodgement receipt

To take advantage of our Lo Doc option, please contact us.

Explore our loans

ANZ Standard Variable Home Loan

 

Standard Variable Home Loan Rate

interest rate

comparison ratedisclaimer

  • Make extra repayments to pay your loan off faster
  • Redraw your extra repaymentsdisclaimer

ANZ Fixed Home Loan

 

Standard Fixed Home Loan Rate

interest rate (3 year fixed) 

comparison ratedisclaimer (3 year fixed)

See rates for other loan terms

  • Your interest rate won't change during the fixed period
  • Choose from 1, 2, 3, 4, 5, 7 and 10 year fixed rate terms. The interest rate will then revert to a variable rate after the fixed term.

 

Standard Variable Residential Investment Rate

interest rate

comparison ratedisclaimer

  • Make extra repayments to pay your loan off faster
  • Redraw your extra repaymentsdisclaimer

ANZ Fixed Residential Investment Loan

 

Standard Fixed Residential Investment Rate

interest rate (3 year fixed) 

comparison ratedisclaimer (3 year fixed)

See rates for other loan terms

  • Your interest rate won't change during the fixed period
  • Choose from 1, 2, 3, 4, 5, 7 and 10 year fixed rate terms. The interest rate will then revert to a variable rate after the fixed term.

Loan package

Get a bundle of savings and benefitsdisclaimer

Bundle your home loan, everyday account and credit card into ANZ Breakfree package and enjoy a great range of ongoing features and discounts.disclaimer

What you get

  • Interest rate discounts on nominated loan accountsdisclaimer
  • Credit card annual fee waiverdisclaimer
  • Everyday account 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. 

For example, you could save over

$2,000 in the first year

if you take out a $250,000 ANZ Standard Variable Home Loan with a  interest rate discount and fee waivers under the Breakfree package. Take a closer look at how you can save

For an annual fee of

$395

Other fees and charges apply

Contact us, we're here to help

Call a Home Loan Specialist

1800 100 641

Mon-Fri 8.00am to 8.00pm (AEST),
Sat-Sun 8.00am to 6.00pm (AEST)

Let us come to you

Locate a mobile lender

Fill out a quick form

Enquire online

Visit a branch

Locate us

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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The range of interest rates shown incorporate 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) and the ANZ Breakfree Terms and Conditions (PDF 78kB), which include total mortgage lending requirements, lending to value ratio requirements, and new lending requirements for existing customers. For details, see ANZ Breakfree package.

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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. 

Availability and level of interest rate discounts under the Breakfree package vary based on minimum lending requirements and other eligibility criteria. See ANZ Breakfree Package Special Offer Terms and Conditions (PDF 40kB) for eligibility. 

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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. 

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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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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).

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Annual 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. 

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The 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.

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Account service fee waived on one eligible transaction account (ANZ Access Advantage account or ANZ One offset account).

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ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance are issued by QBE Insurance (Australia) Limited (QBE) ABN 78 003 191 035 (AFSL 239545). ANZ Mortgage Protection Insurance is jointly issued by OnePath Life Limited (ABN 33 009 657 176) and QBE. 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 520kB) and the relevant ANZ Home insurance Product Disclosure Statement and Policy (PDF 936kB)ANZ Landlord Insurance Product Disclosure Statement and Policy (PDF 736kB)ANZ Car Insurance Product Disclosure Statement and Policy (PDF 656kB) and ANZ Mortgage Protection Insurance Product Disclosure Statement and Policy (PDF 307kB), 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.

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