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Managing your ANZ Breakfree package

Make the most of it

Take advantage of the great range of ongoing discounts and benefits you get with ANZ Breakfreedisclaimer, including:

  ANZ home and residential investment loans

  • Interest rate discounts on eligible loan accountsdisclaimer
  • Fee waivers on eligible loan accountsdisclaimer including Loan Approval Fee, Valuation Administration Fee, Renegotiation Fee and Loan Administration Charge 
  • No limit on the number of eligible home loans under the one package
  • Choice of variable or fixed home loan options

  ANZ everyday banking

  • Monthly account service fee waived on one eligible everyday account. Choose from ANZ Access Advantage or ANZ One offset account
  • Apply for ANZ Assured Credit Facility Fee waiver on ANZ Access Advantage or ANZ One

  ANZ credit cards

  • Annual account fee waived on one eligible ANZ credit carddisclaimer
  • Additional Cardholder Fee waiveddisclaimer

  ANZ insurance and advice benefits

  • Discount available on the first year's premium for ANZ Home, Landlord and Car Insurancedisclaimer
  • Discount available on premiums for ANZ Mortgage Protection Insurancedisclaimer
  • Up to $550 off the ANZ Financial Planning one-off Adviser Service Fee towards your personalised advicedisclaimer

Just one package fee, even if you have more than one loan

If you're planning to take out another home or residential investment loan with us, or even if you decide to split your existing loan, you won't have to pay another package fee. If you take out a new eligible loan with us, it can be covered under your existing ANZ Breakfree package, so you can benefit from the various fee waiversdisclaimer and interest discounts.

You could start saving on interest charges with an offset accountdisclaimer

With your ANZ Breakfree package, you get a monthly account service fee waived on one eligible everyday account. If you choose an ANZ One offset account, the money you have in this account could offset the amount you owe on your home loan, and you'll only be charged the interest on the difference.

Want to earn rewards for eligible credit card purchases?

Your ANZ Breakfree package includes one eligible ANZ credit card with annual account fee waived. If you'd like to be rewarded for eligible purchases, consider:

  • an ANZ Rewards credit card to earn Reward Pointsdisclaimer on eligible purchases and have the flexibility to redeem for a wide range of rewards including gift cards, merchandise and cashbackdisclaimer, or;
  • an ANZ Frequent Flyer credit card to earn Qantas Pointsdisclaimer when you make eligible purchases, automatically transferred to your Qantas Frequent Flyer account every month.

Give your insurance coverage a health check

When's the last time you reviewed whether you, your loved ones and your possessions had enough protection? Consider taking a look at what insurance you already have — through your super, credit cards and other policies. Once you know where you’re at, you can decide whether it’s enough, and whether it delivers value for money. Remember that you're entitled to discounts on your premiums for ANZ Home, Landlord and Car Insurancedisclaimer, as well as ANZ Mortgage Protection Insurancedisclaimer.

Need some financial advice?

Already planning on your next investment? Don't forget you'll get up to $550 off the ANZ Financial Planning one-off Adviser Service Fee towards your personalised advicedisclaimer. So go ahead and make an appointment for your no-obligation consultation with an ANZ Financial Planner.

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 assessment criteria. Terms and conditions are available on application. Fees and charges 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 anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.

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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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Interest rate discounts apply to eligible loan accounts linked to the Breakfree package which meet minimum lending requirements (total mortgage lending must be at least $150,000) and apply while you hold a package and meet ongoing eligibility criteria. Annual package fee $395 and subject to change.

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Fees are waived on eligible loan accounts linked to the Breakfree package where those fees become due on or after those loans become part of your Breakfree package. Other fees and charges may apply in relation to your nominated loan accounts, including in respect of a renegotiation. Please refer to the ANZ Personal Banking General Fees & Charges booklet (PDF 156kB).

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The Annual Account Fee is waived on one eligible ANZ credit card account held under an ANZ Breakfree Package. The waiver only applies while the account is held under the package. A Rewards Program Services Fee of $55 per cardholder may apply to ANZ Rewards and ANZ Frequent Flyer accounts.

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ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance are issued by QBE Insurance (Australia) Limited (QBE) ABN 78 003 191 035 (AFSL 239545). ANZ Mortgage Protection Insurance is jointly issued by OnePath Life Limited (ABN 33 009 657 176) and QBE. This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs.  You should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs. ANZ recommends that you read  ANZ Financial Services Guide (PDF 520kB) and the relevant ANZ Home insurance Product Disclosure Statement and Policy (PDF 936kB)ANZ Landlord Insurance Product Disclosure Statement and Policy (PDF 736kB)ANZ Car Insurance Product Disclosure Statement and Policy (PDF 656kB) and ANZ Mortgage Protection Insurance Product Disclosure Statement and Policy (PDF 307kB), available by calling 13 16 14 or visiting anz.com before deciding whether to acquire, or to continue to hold, any of these products. To be entitled to a discount on your insurance you must notify the issuers of these products at the time of application that you are an ANZ Breakfree package customer. Please note for ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance the discount is only applicable to the first year’s premium. Reference to insurance premium amounts for the purposes of calculating the applicable Breakfree package benefits exclude any stamp duty, GST and other government fees, charges or levies components that are included in the total premium amount paid by you. These discounts are not available in conjunction with any other discount offer made by issuers of these products or ANZ.

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The discount applies upon you notifying your ANZ Financial Planner that you are an ANZ Breakfree package customer. ANZ Financial Planning will provide one discount per ANZ Breakfree package of up to $550 (inclusive of GST) off the One-Off Adviser Service Fee (ASF). Where the ASF is less than $550 (inclusive of GST), the discount will equal this lesser amount. This Offer may not be used in conjunction with other ANZ Financial Planning offers. ANZ Financial Planners are representatives of Australia and New Zealand Banking Group Limited ABN 11 005 357 522, the holder of an Australian Financial Services Licence.

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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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Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (please call 13 13 14 for a copy). Purchases which are not eligible to earn Rewards Points are described in the ANZ Rewards – Rewards Program Terms and Conditions booklet, e.g. fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Reward Points. This Reward Points information displayed on this page applies to new customers only. Existing customers may be subject to a different Reward Points earn rate or different earn rate bands. Existing customers should call 13 13 14   for information regarding the Reward Points earn rate(s) that apply to their account.

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When you redeem your Reward Points for ANZ Cashback, credit of a nominated value will be allocated to your ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Travel Adventures or ANZ Rewards Black account within 5 business days.

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Qantas Points and Bonus Qantas Points accrue in accordance with and subject to the ANZ Frequent Flyer Reward Terms and Conditions booklet (please call 13 13 14 for a copy). Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions booklet, e.g. fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Points. Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change. Existing customers may be subject to different earn rate(s) on their account. Existing customers should call 13 13 14 for information regarding their account.

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