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Increasing your home loan

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

How to increase your existing home loan

If you find that your financial circumstances have changed and you need additional funds, you have options. Just contact one of our home loan specialists to discuss your options.

Request call back

What is a comparison rate?

A rate that helps you work out the true cost of a loan. This rate takes other fees and charges into account, like a loan approval fee and loan administration charge in addition to the interest rate. It’s meant to be a fairer way of comparing how much a loan will cost you.

For more information visit Moneysmart.

What is a home loan top-up?

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.

What to consider when topping up your loan

Topping up your home loan means you're taking on more debt and may increase your loan repayments. With interest rates on the rise, it is important that you're comfortable with any potential changes to your repayments before increasing your loan.

If you're considering topping up your existing home loan, please contact us.

Request call back

Access the equity in your existing property with an ANZ Supplementary Loandisclaimer

You could apply for a supplementary loan to access the equity in your home or investment property. It can be used for a variety of different purposes, investments or buying a new car.

If you're ahead on your repayments, redrawdisclaimer your extra repayments if you need to

If you've made additional repayments to an eligible loan account, you may be able to access these funds using ANZ Redraw.

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.

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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.

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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.

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.

Terms and conditions apply including a maximum loan term of 10 years. Minimum loan amounts vary depending on loan type. Fees and charges apply.


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).


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.