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Get your free Home Loan Check-In

A 15-minute Home Loan Check-Indisclaimerchat with a Home Loan Specialist could help you find ways to fine-tune your home loan so it continues to suit your needs.

No prep or paperwork required.

Get started today

It's easy to manage

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.

ANZ Internet Banking provides fast and convenient access to help you stay on top of your home loan on-the-go.

Let’s look at how you can manage your home loan easily online.

If you haven’t already registered, you can do so at otherwise, log into ANZ Internet Banking and you will see all of your accounts on the dashboard.

To see specific details, click on the relevant ‘Home Loan’ account.

This will take you to your ‘Account Overview’ page, showing ‘Your home loan at a glance’.

On this page you can find information like your ‘Current balance’, your ‘Current interest rate’, your current ‘Minimum repayment amount’ and your available ‘redraw’ amount.

Scrolling down to ‘Account details’, you will see more information about your loan including the ‘loan term’ and the type of loan you have such as fixed or variable rate.

If you want to view and print your statements, go to the ‘Account actions’ field, click on ‘View statements’, select the period, download and then you can print.

Returning to ‘Account actions’, you can view your interest and charges summary.

And you can also do things like rename your accounts so you can easily identify them.

If you want to check out the interest you’ve paid over the last two years, you can click on the ‘Interest and charges’ tab.

So as you can see, all this information is easily accessible through ANZ Internet Banking but if you do need any help, please contact us ANZ.

Handy tips to help pay off your home sooner

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.

If you’re looking to repay you home loan faster, switching to Principal and Interest can be a great option because with each repayment, you will be paying off both interest and some of the principal.

And if you’re already making principal and interest repayments, switching to weekly repayments could help you save interest in the long run, as you’re reducing the principal balance more frequently.

By making extra repayments, you could save on interest.  You can do this by increasing your loan repayments or depositing larger amounts like tax returns or bonuses.  But please be aware that if you make extra payments while in a fixed rate period, you may incur significant early repayment costs.

If you have an eligible loan, you can link an ANZ One offset account to it.  The money you have in your offset account can be used to offset the amount you owe on your home loan, and you only pay interest on the difference.

So, in general, the more money you have in your linked offset account, the less interest you’ll pay on your home loan, and It’s worth having a think about depositing your salary into your offset account to make your money work for you even more!

For more information contact us at ANZ.

Get access to your money

Redraw your extra repayments if you need to 

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.

Find out more

Using equity to build wealth through property investment

Unlocking the equity in your home could be an option if you were 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

Find out more

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.

Find out more

We understand things change

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.

Contact us, we're here to help

Call a Home Loan Specialist

1800 100 641

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Fill out a quick form

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Visit a branch

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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 or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.

An ANZ Home Loan Check-In is a discussion about your home loan and other goals you may be considering. ANZ is not giving you recommendations or advice. The Check-In is based on limited information and won’t take into account all your financial situation, needs and objectives.

Before making any changes to your home loan, carefully consider all relevant information, including benefits, costs and risks. Sometimes making changes may end up costing you more.

Terms, conditions, fees, charges, and credit approvals and eligibility criteria apply to ANZ home loans.

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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. 

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For 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, 8:00am to 6:00pm (AEST) Saturdays and Sundays.

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Terms and Conditions, fees and charges apply. Refer to ANZ Personal Account Fees and Charges booklet (PDF 139kB).

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Terms 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).

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ANZ 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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