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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.

Article

Understand the home loan application process

6 minute read

This guide outlines the home loan application process to help you understand the steps to applying for a home loan with ANZ.

  

Article

Using the equity in your home

5 minute read

Equity is the difference between the value of your property and how much you owe on it. Find out how unlocking the equity in your home could open up opportunities.

  

Article

What you need to know about restarting your repayments

4 minute read

The ability to pause home loan repayments brought welcome relief to many in 2020. But as the deferral period ends, here are some tips to help you prioritise your repayments.

  

Offset accounts explained

3 minute read

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. 

  

Article

How extra repayments could help you pay off your loan sooner

3 minute read

There are some simple strategies that could reduce your loan period and save you thousands of dollars in interest.

  

Article

How to refinance a home loan

5 minute read

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.

  

Article

Home loan Frequently Asked Questions

4 minute read

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

  

Article

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

3 minute read

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. 

  

Article

Key things you need to know about Lenders Mortgage Insurance

4 minute read

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.

  

Home loan terminology - Jargon buster

19 minute read

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

  

Article

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

5 minute read

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

  

Home loan terminology - Jargon buster

19 minute read

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

  

Article

What's the difference between redraw and offset?

5 minute read

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

  

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

5 minute read

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

  

Article

Offset accounts explained

3 minute read

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. 

  

What's the difference between redraw and offset?

5 minute read

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

  

Article

Redraw facilities: the what, why and how

3 minute read

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. 

  

Offset accounts explained

3 minute read

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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You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.

   

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.

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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