ANZ Smart Choice Super.
Super. Easy.
Set up in just five minutes,
in app or online.
As part of redesigning and simplifying our home loans, the Breakfree Package was discontinued on 10 September 2022.
From this date, your package benefits ceased to apply and your home loan moved to a simpler fee structure where you'll only pay for the features you choose to use.
We’ve been talking to our customers about what they prefer most in a home loan. They’ve told us it’s simplicity. That’s why we've discontinued the Breakfree Package and redesigned our home loans to be simpler.
Even after the Breakfree Package is discontinued, you'll keep your current interest rate discount, without needing to pay an annual package fee (it just won't be a Breakfree benefit anymore). Same rate discount, no package fee. Nice.
Don't use it? Don't pay for it. You'll pay only for the features you choose to use, like an optional offset account to help save on interest for $10 a month.disclaimer
With our simpler home loans you won't pay any ANZ set up or ongoing fees.disclaimer
On and from 10 September 2022, all products linked to your package as at this date have been delinked, and the package has been closed. From this date (or shortly after), all ANZ Breakfree Package benefits on your linked products cease to apply.
For further information on what these changes mean for you, please refer to the notice sent to you titled "Important changes to your ANZ Breakfree Package".
Other home loan fees including Late Payment Fee, Lock Rate Fee and Early Repayment Cost (for Fixed Rate Loans) still apply. Loan security fees including Lodgement Fee, Production Fee, Settlement Fee and Search Fee still apply however will not be charged on establishment of a loan. Government fees and charges (including government search fees and stamp duty) may still apply. For further details refer to ANZ Personal Banking General Fees and Charges (PDF 155kb).
On or about 10 September 2022 all existing ANZ home loans (whether they were part of a Breakfree Package or not) have been moved to our simpler fee structure.
You can review your existing home loan at any time,disclaimerand can also request a free ANZ home loan check in.
For new policies commencing from 3 July 2023 (inclusive) or policies migrated from QBE Insurance (Australia) Limited from 7 August 2023 (inclusive), ANZ Home Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Home Building Key Facts Sheet (PDF), ANZ Home Contents Key Facts Sheet (PDF), ANZ Home Insurance Target Market Determination (PDF), ANZ Home Insurance Premium, Excess and Discounts Guide (PDF) and the ANZ Home Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14), before deciding whether to acquire, or to continue to hold, this product.
For new policies commencing from 3 July 2023 (inclusive) or policies migrated from QBE Insurance (Australia) Limited from 7 August 2023 (inclusive), ANZ Landlord Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Landlord Insurance Target Market Determination (PDF), ANZ Landlord Insurance Premium, Excess and Discounts Guide (PDF) and ANZ Landlord Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.
For new policies commencing from 3 July 2023 (inclusive) or policies migrated from QBE Insurance (Australia) Limited from 7 August 2023 (inclusive), ANZ Car Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Car Insurance Target Market Determination (PDF), ANZ Car Insurance Premium, Excess and Discounts Guide (PDF) and ANZ Car Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.
For policies commenced before 3 July 2023 or policies renewed before 7 August 2023, ANZ Home Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545). ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Home Building Key Facts Sheet (PDF), ANZ Home Contents Key Facts Sheet (PDF), ANZ Home Insurance Target Market Determination (PDF) and the ANZ Home Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14), before deciding whether to acquire, or to continue to hold, this product.
For policies commenced before 3 July 2023 or policies renewed before 7 August 2023, ANZ Landlord Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545). ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Landlord Insurance Target Market Determination (PDF) and ANZ Landlord Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.
For policies commenced before 3 July 2023 or policies renewed before 7 August 2023, ANZ Car Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545). ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Car Insurance Target Market Determination (PDF) and ANZ Car Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.
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.
ReturnOther home loan fees including Late Payment Fee, Lock Rate Fee, Early Repayment Cost (Fixed Rate Loans) and ANZ Equity Manager facility fee still apply. Loan security fees including Lodgement Fee, Production Fee, Settlement Fee and Search Fee still apply however will not be charged on establishment of a loan. Government fees and charges (including government search fees and stamp duty) may still apply.
ReturnANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance were issued by QBE Insurance (Australia) Limited (QBE) ABN 78 003 191 035 (AFSL 239545).
ReturnIf you have a fixed rate home loan, early repayment costs may apply if you make early or additional repayments, switch to another loan or repay your loan before the end of your fixed term.
Return