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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.

Apply for financial assistance

Manage 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.

Make repayments 

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

Managing your ANZ Breakfree Packagedisclaimer

As part of redesigning and simplifying our home loans, the Breakfree Package will be discontinued on or about 10 September 2022.

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

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.

Home loan details that matter

Feel more informed and in control of your home loan. See your interest rate, repayment amount and frequency, and other details in the ANZ App. 

Download the ANZ App now. 



Handy tips to help pay off your home loan 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.

Ways to pay off your loan faster

If you’re looking to repay your 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

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.

Find out if I can redraw

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

How to use my equity


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.

How to top up my loan

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.

About split loans

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.

Help me with repayments

Looking to refinance your ANZ home loan?

We know your circumstances can change. Your home loan can too. If you'd like to see if your ANZ home loan could better suit your current needs, we can help. Request a call back from one of our specialists.

Request a call back

Contact us

We're here to help. If you need support managing your home loan or would like to make a change, get in touch.

Call us

Monday - Friday
8am to 8pm (AEST)

1800 100 641


Fill out a quick form

Request a call back

Visit a branch

Locate an ANZ branch near you.

 Locate an ANZ branch


Connect with a mobile lender

Meet an ANZ home specialist at a time that suits you.

You might also be interested in


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. 



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.



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.


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.

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 Labels and Conditions available here for iOS (PDF 381kB) and here for Android (PDF 340kB) 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.

Apple, Apple Pay, Apple Watch, Face ID, iPad, iPhone and Touch ID are trade marks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play and the Google Play logo are trade marks of Google Inc.

ANZ Breakfree Package is no longer available for sale. 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. 


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.


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


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).


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.