Manage your loan
Find everything you need to easily manage, update and get the most out of your ANZ home loan, including handy tips on how you could pay off your loan sooner.
Additional support measures for customers impacted by lockdowns
We’ve recently announced additional support measures for customers impacted by current or recent COVID-19 lockdowns. If you are affected and an existing ANZ customer, we’ll work with you to understand your circumstances and identify measures that may be available to assist you.
Understand your home loan
We try to make things easy for our customers, but home loans can sometimes get complicated. We can help.
Make repayments
You have a number of convenient options, including adding your home loan to your internet banking profile and setting up regular repayments.
Making the most of your ANZ Breakfree Packagedisclaimer
Is your home loan bundled with a credit card and everyday account? Take advantage of the great range of discounts and benefits you could get.
Changing your loan repayments
If you have a fixed rate loan term that’s expiring, or if you’d like to switch from a variable to fixed rate, we may be able to help.
Manage your loan repayments easily online
Make extra payments
If you're not in a fixed rate term, you could add extra to each loan payment, or deposit large amounts (such as tax returns, dividends or bonuses). By doing so, you could save on interest and pay off your loan soonerdisclaimer.
Consider setting up more frequent repayments
You may like to think about changing the frequency of your repayments. For example, if you make fortnightly repayments instead of monthly repayments, you'll be reducing your total interest charges.
Save on interest payable with an offset account
If you have an eligible loan (such as an ANZ Standard Variable loan or a one-year ANZ Fixed loan), you can link an ANZ One offset accountdisclaimer to it. The more money you have in your linked offset account, the less interest you'll need to pay on your home loan.
Repay principal and interest
If you're looking to pay off the total amount of your home loan rather than just the interest, then switching from interest only to principal and interest is something you could consider.
Ways to pay off your loan faster
Access extra payments
ANZ Redraw could let you access extra payments you've made to an eligible loan account when you need to.disclaimer You can easily access your redraw funds via ANZ Internet Banking and other convenient ways.
Unlock your equity
Unlocking the equity in your home could be an option if you're thinking about purchasing an investment property, as it could help with a deposit for that purchase. Investors may be able to negatively gear their property investments depending on their personal circumstances.disclaimer
Increase your home loan
If you find that your financial circumstances have changed and you need additional funds, you could have options such as applying for a top-up or supplementary loan. Just contact one of our home loan specialists to discuss your options.
Get the flexibility of a split loan
If you want the benefits of a variable rate home as well as the certainty of a fixed rate home loan, you could get the best of both worlds by splitting your loan.
Having trouble with repayments
We realise that financial circumstances change, and we’ll try our best to help if you’re facing problems with your loan repayments.
Connect with a mobile lender
Meet an ANZ home specialist at a time that suits you.
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Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.
Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the Terms and Conditions and Product Disclosure Statement, which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.
The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
ANZ App for Android is only available on Google Play™. ANZ App for iPhone is only available from the App Store.
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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.
ReturnFor ANZ Fixed Rate loans, you can make early or additional repayments up to a set available tolerance amount (the lesser of 5% of the loan amount at the start of the current fixed rate period or $5,000) each year of the fixed rate period, without triggering an Early Repayment Cost. An Early Repayment Cost may be incurred if, during the fixed rate period, the available tolerance amount is exceeded, the loan is fully repaid or refinanced, or ANZ agrees to change the interest rate at your request. Please be aware that Early Repayment Costs can be very large. Terms and Conditions apply please refer to the ANZ Consumer Lending Terms and Conditions (PDF 296kB) and ANZ Fixed Rate Loans - What happens if you repay some or all of it early? (PDF 140kB). Alternatively please visit any ANZ branch or phone the Home Loan Hotline on 1800 035 500, 8:00am to 8:00pm (AEST), Monday to Friday.
ReturnTerms and Conditions, fees and charges apply. Refer to ANZ Personal Account Fees and Charges booklet (PDF 139kB).
ReturnTerms 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).
ReturnANZ does not provide tax advice. You should discuss the tax implications of any investment strategy with your tax adviser or registered tax agent before deciding to proceed.
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