skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

Manage your loan

Find everything you need to manage, update and get the most out of your ANZ home loan, including options that could help you stay on top of rate rises and how to get support if you need it.

The information on this page does not apply to ANZ Plus products

Home loan repayments changing?

Consider your options

We have tools and options that could help you navigate changing interest rates and stay on top of your home loan repayments. Explore your options or request a call back if you wish to speak with one of our specialists.disclaimer

Request a call back

Manage your home loan with the ANZ App and Internet Banking

If you have a home loan, we'll help you manage it with the ANZ App and Internet Banking.

We've made it easy to view things like interest rate and repayment details, plus your loan balance and any applicable redraw amount.

Want some handy tips?

Depending on your circumstances, switching between monthly, fortnightly

or weekly repayments could help either reduce your total interest charges

or ease with the repayments.

Direct loan payments are an easy way to set up recurring payments to your home loan.

Offset your interest by having an ANZ One offset account linked to an eligible loan account and view this in the ANZ App or Internet Banking.

If you are ahead on your home loan repayments, you may be able to access these extra funds using ANZ Redraw in Internet Banking.

Preparing for tax time? View your interest and charges for the financial year.

How about keeping your home free of clutter? Get easy access to your statements in the ANZ App and Internet Banking. You'll be saving a tree while helping us transition to net zero and creating a better future for all.

What about some life admin?

Let us know once you're in your new home by updating your address in the ANZ App or Internet Banking.

Keep your mobile number or email address up to date in the ANZ App or Internet Banking so we can contact you when it matters.

And if the need arises, securely reset your ANZ App PIN or change your ANZ Internet Banking password and help keep your money safe.

When you use the ANZ App or Internet Banking, you're covered by the ANZ

Internet Banking Guarantee.

Looking after your financial wellbeing?

You can view Your Money Report, check your Spend Summary and with a savings goal, you could be well on your way to owning your home sooner.

Need any help?

Get support from the comfort of your home using Message Us or Live Chat.

Keep your home loan at your fingertips with the ANZ App and Internet Banking.


ANZ App and Internet Banking How-to guide

Make banking online easier by viewing our Step by step how to guide (PDF). If you’re new to the ANZ App or Internet Banking, this is a great place to start. 

Compare current and future estimated repayments

  1. Enter your current interest rate to see your approximate current repayments.
  2. Then add a new scenario and choose an ANZ rate from the drop down menu to see estimated repayments based on the new rate.
  3. Compare your current and estimated new repayments to see the difference.
Estimated repayments and repayment scenario comparisons are estimates only based on the loan amounts, loan types and loan terms selected. The comparisons are indicative estimates for illustrative purposes only and are based on current interest rates (which may change). Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including any applicable interest rate discounts. These rates are for secured loans only. WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. For interest only variable loans, the comparison rates are based on an initial 5 year interest only term. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period. The repayment calculator does not show all interest rates. Our home loan interest rates page shows all available rates, including special offers and discounts when borrowing 80% or less of the property value.

Your home loan options

Switch to a lower rate home loan

Consider switching to our competitive basic variable interest rate. ANZ SimplicityPLUS is our basic home loan (no offset) that still gives you the flexibility of a variable rate loan, like the ability to pay it off sooner.

Change how you make repayments

Small changes to how you make repayments can make a big difference to the interest you pay on your loan. Depending on your circumstances, switching from monthly to fortnightly or weekly repayments could help reduce your total interest charges.

Fix or split your loan

If you’d like some more certainty about your repayment amounts, consider fixing your loan or splitting it into part variable, part fixed rate to hedge your bets. Learn more about splitting your loan.

Reduce your repayments to the minimum amount

If you’re currently paying more than the minimum repayment amount, you have the option to reduce your repayments to the minimum repayment amount. See interest only repayments.

Offset your interest

If you have an eligible loan such as an ANZ Standard Variable loan or a one year ANZ Fixed loan, consider linking an ANZ One offset account to it (for a fee of $10 a month).disclaimer The more money you have in your linked offset account, the less interest you'll need to pay on your home loan. To maximise your savings even more, deposit your salary straight into your offset account.

Redraw if you're ahead

If you're ahead on your home loan repayments and you have an eligible loan, you may be able to access funds from the extra repayments made, or take a break from future scheduled repayments with ANZ Redraw.disclaimer

Extend your loan term

Extending your loan term could lower your repayments, which could help take the pressure off when rates rise and repayments increase. Talk to us to find out if this is an option for you. Note that extending your loan term may mean you’ll end up paying more in interest over the life of your home loan.

Switch to interest only repayments for a while

You may wish to consider applying to switch from principal and interest repayments to interest only repayments for a period of time, if it is suitable for you to do so. Keep in mind that making this change might increase the total interest you pay over the life of your loan.

Top up if you need to

You may be able to top up your existing variable rate loan, subject to credit approval. So if you're looking to renovate, consolidate debts or buy a new car, you may be able to borrow additional funds against your existing home loan.

Refinance and consolidate debts

Consider how much equity you have in your property. If you have enough equity you may be able to consolidate any other debts you may have. Get an estimate of the equity you may have in your home, or book in a free home loan check-in.

Trouble with home loan repayments?

We're here to support

We understand financial circumstances can change. If you're finding it hard to keep up with your repayments, we have ways to support you. If you wish to speak with one of our specialists, please request a call back.disclaimer

Request a call back

Tips for boosting your financial wellbeing

Boost your savings

Take advantage of one thing rate rises can be good for - your savings. Open an ANZ Plus Save account for a great interest rate and watch your savings work a little harder for you.


Sort your expenses and plan your budget

If you're already an ANZ customer, check out your personalised Your Money Report in the ANZ mobile app to get a snapshot of where some of your money is going, by merchant and category, each month. Then use our ANZ Budget Planner to work out a detailed budget you can stick to.

Get cashback on everyday spending

Give your wallet a break when it comes to everyday spending. You could earn cashback at over 2,000 travel, fashion, sport, tech, pet and food retailers. More on Cashrewards.disclaimer

Connect with our home loan specialists or apply

Need to speak to a specialist?

Provide us with your details and one of our home loan specialists will get in touch. They can discuss issues including:

  • Applying for a home loan
  • Managing your existing loan
  • Refinancing your home loan
  • Interest rate enquiry

As well as any other home loan queries you may have.

clock icon

Call back time is 1-3 business days.

Request a call back


Quick start application

Begin your home loan application journey by providing details about:

  • You
  • Your financial situation
  • The loan you're applying for

One of our home loan specialists will then be in touch to progress with your application.

clock icon

Call back time is 1-3 business days.

Apply online


Call us

Monday - Friday 8am to 8pm (Sydney/Melbourne time)

1800 100 641  


Other ways to get in touch

Meet with a mobile lenderdisclaimer

Book a branch appointment

Book a First Home Buyer Coach

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

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 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.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super 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 (PDF) and here for Android (PDF) 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 does not provide personal financial advice, and any discussion will be a review of your home loan only.  Terms and Conditions (PDF) fees, charges, credit approvals and eligibility criteria apply to ANZ Home Loans. 


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).


A $10 servicing fee applies per month per ANZ One offset account. Please refer to ANZ Personal Banking Account Fees and Charges (PDF) for fees and charges that apply.


Cashrewards is offered by Cashrewards and not ANZ. Cashrewards is not exclusive to ANZ cardholders. The Cashrewards account is not an ANZ account. To earn cashback you must be a Cashrewards member. Exclusions and caps may apply. Eligibility criteria, cashback redemption and withdrawal conditions and T&Cs apply.  Please visit Cashrewards for further details.


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.