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ANZ Falcon® technology monitors millions of transactions every day to help keep you safe from fraud.
Falcon® is a registered trademark of Fair Issac Corporation.
Fraud protection.
Now it’s personal.
ANZ Falcon® technology monitors millions of transactions every day to help keep you safe from fraud.
Falcon® is a registered trademark of Fair Isaac Corporation.
Congratulations! Your ANZ home loan has been approved, and you have accepted the loan offer. Our settlement guide can help you understand what happens next and how to prepare for settlement day.
Depending on the type of home loan and home loan features you are planning to access, you may need an eligible ANZ bank account.
You’ll need an eligible ANZ bank account to:
Please note: Interest-only loan customers must hold an eligible ANZ account for direct loan payments before settlement.
Please speak to your home loan specialist to discuss your individual needs.
Once your new ANZ bank account is set up, you’ll receive your Customer Registration Number (CRN) and Telecode, if you do not already have one. You’ll need your CRN to register for the ANZ App and ANZ Internet Banking.
Getting set up early and familiarising yourself with the ANZ App and ANZ Internet Banking can make it easier to view and manage your home loan once your settlement is complete.
Messaging us in the ANZ App is also the fastest and most convenient way to get support if you need it.
You’ll receive your loan documents via email, ANZ e-Sign or mail.
Carefully review each loan document and the corresponding terms and conditions provided to you. Our guide to signing ANZ home loan documents can help you understand what each document means and how to sign them.
Once signed, please return all documents as soon as possible to allow for timely processing.
If you haven’t already been verified, we’ll send you a message with a secure link to complete your identity verification.
You’ll need a current form of ID, such as an Australian passport, or driver licence.
Important: The link expires after 5 business days. If it expires, please contact your home loan specialist or call 1800 317 364 Monday to Friday, 8am–8pm (Sydney/Melbourne time).
You may be required to take out and maintain an insurance policy under the terms of your loan. This may include property insurance, which is usually required to be in place from the settlement date. Please refer to your ANZ home loan documents for further details.
Before settlement, you’ll typically have the opportunity to complete a final inspection of the property.
This is your chance to confirm that:
If you notice any issues or have concerns, it’s a good idea to contact your solicitor or conveyancer immediately.
If a family member or third party is a guarantor on your loan, they’ll need to review and sign their guarantor documents, they may need to obtain independent legal and financial advice to understand their obligations, complete identity verification, and (if applicable) sign documents relating to any property being used as security.
These steps can take additional time, so it’s important they act promptly to help avoid delays to your settlement.
It’s a good idea to transfer your settlement funds into your nominated bank account around a week before settlement. This helps to give you enough time to make sure the funds are available on settlement day.
Keep in mind you may need to adjust your daily transfer limits in advance, so planning ahead will help ensure everything runs smoothly on settlement day.
In the days following settlement, you’ll be able to view your new loan in the ANZ App and ANZ Internet Banking.
This is a good time to double check that all your loan details are as expected. If you hold an ANZ One Offset account and have satisfied the eligibility criteria, you can check whether it has been linked to your eligible loan (fees & charges apply).disclaimer Simply select your loan account and tap ‘View home loan details’.
You can also view your repayment information, including:
Please note, it may take up to 48 hours after settlement for your new loan to appear in the ANZ App and ANZ Internet Banking.
If you’re unable to view your loan details in the ANZ App and ANZ Internet Banking, the quickest way to get in touch is by messaging us in the ANZ App.
If buying a new home were a marathon, settlement would be the finish line. It’s the bit where you finally take legal possession of the property – but there’s a little more to it than simply handing over the cash and picking up the keys.
If you’re buying a property, at some point the seller will no longer be accountable for the damage to the property and it becomes your responsibility.
You are allowed to do a final inspection of your new home in the week leading up to settlement day. This is to make sure that any special conditions are met and the property is in the same state as when you exchanged contracts.
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, Conditions, fees and charges apply. Australian credit licence 234527.
A $10 servicing fee applies per month per ANZ One offset account. Please refer to ANZ Personal Banking Account Fees and Charges (PDF) for fees and charges that apply.
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