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Can't decide between variable or fixed? Split your loan

If you'd like the benefits of a variable rate home loan but would still appreciate the certainty of a fixed rate home loan, you could get the best of both worlds by splitting your loan. We allow you to split between loan types, and you can split your loan into as many products as you want, into the ratio that best suits your needs. This way, you can enjoy repayment flexibility as well as certainty, all at the same time. 

For example: if you need to borrow $200,000 to buy a property, you may decide on a 50-50 split loan, with $100,000 each as an ANZ Standard Variable Home Loan and ANZ Fixed Loan. You'll enjoy the flexibility of a variable loan linked to an ANZ One offset account and the ability to repay extra, but you'll also get the certainty of consistent repayments with the fixed loan.

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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.