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Understanding home loans

It's not every day that you apply for a home loan. Whether you're just starting out with your first home or need a refresher on how things work, we've got you covered.

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How to refinance a home loan

Refinancing your home loan should help you find a loan that better meets your needs. Understand what’s involved with our step by step guide on how to refinance a home loan.

  

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Home loan Frequently Asked Questions

We answer frequently asked questions about home loans to help you through the property buying process.

  

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What's a Loan to Value Ratio (LVR)?

Loan to Value Ratio is one of those things you’ll hear about a lot in the world of home loans. It’s important because it may affect your borrowing power. 

  

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Key things you need to know about Lenders Mortgage Insurance

Finding it difficult to save up a 20% home loan deposit? You might still be able to borrow from a lender, but you may have to pay Lenders Mortgage Insurance.

  

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Home loan terminology - Jargon buster

Use this jargon buster to look up terms and phrases you may come across along when buying a home.

  

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Fixed vs variable home loans: which one may be right for you?

We explore some of the differences between fixed and variable home loans, to help you decide what’s best for you.

  

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What's the difference between redraw and offset?

Redraw facilities and offset accounts have many similarities. But there are some important differences too.

  

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Offset accounts explained

An offset account can be a good way to reduce the interest charged on your home loan, while also giving you access to your money whenever you need it. 

  

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Redraw facilities: the what, why and how

Redraw lets you access extra principal repayments you’ve made on your loan. This could come in handy if you need some extra cash down the track. 

  

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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. Australian credit licence number 234527.

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, 104kB) before acquiring any product. 

Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply.

ANZ may provide pre-approval (also known as approval in principle or conditional approval) to eligible customers who apply for an ANZ home loan and complete an application form and satisfy any other applicable requirements. Pre-approval is an approval for a loan subject to conditions being met, including that security is satisfactory to ANZ. Australian Credit Licence Number 234527.

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ANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.

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