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How to manage your loan

Make the most of your loan

Start managing your loan

Understand your home loan

We try to make things easy for our customers, but home loans can sometimes get complicated. We can help.

Get the most out of your loan

Want to make extra repayments (providing that you're not in a fixed rate period) or save on interest payable with an ANZ One offset account?disclaimer Find out more about what you can do with your loan.

Need more money?

If you need access to extra funds, you may be able to redraw, apply for a top up or Supplementary Loan.disclaimer

Manage 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.

Make repayments

You have a number of convenient options, including adding your home loan to your internet banking profile and setting up regular repayments.

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.

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.

   Manage your home loan easily and conveniently with Internet Banking    Log on

Some handy tips

  Every little bit extra helps

If you're not in a fixed rate period, you could choose to make additional repayments. Every extra dollar you put towards your eligible home loan reduces the interest you’ll have to pay.

  Consider an offset account

If you have a transaction account, consider changing it to an ANZ One offset account. You can use the funds in the ANZ One offset account to offset the amount you owe on your eligible home loan and you’ll only be charged interest on the difference.

  Pay fortnightly instead of monthly

If you make fortnightly repayments instead of monthly repayments on an eligible loan, you’ll pay a bit more in the short term, but reduce your interest in the long run. You can use our repayment calculator to work out the difference.

  How to manage your repayments

Consider setting up Direct Loan Payments within Internet Banking, instead of making a manual payment every time a repayment is due.

Contact us, we're here to help

Call a Home Loan Specialist

1800 100 641

Mon-Fri 8.00am to 8.00pm (AEST),
Sat-Sun 8.00am to 6.00pm (AEST)

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All applications for credit are subject to ANZ's credit approval criteria. Terms and Conditions apply and are available on application. Fees, charges and eligibility criteria apply. 

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.

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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 apply to ANZ Redraw and ANZ Supplementary Loan. For further information, please refer to ANZ Consumer Lending Terms and Conditions (PDF 475kB). Fees and charges apply

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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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