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Increasing your home loan

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.

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.

How to top up your loan

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

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.

Contact us or apply

Quick Start home loan application

Get started in just 5 minutes. Apply for pre-approvaldisclaimer, a new home loan or to refinance or top up your existing ANZ home loan.

Apply online now


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Connect with a mobile lender disclaimer

Find a mobile lender


Visit a branch or ANZ Home Centre

Find your nearest location


Call us

1800 100 641

Monday - Friday
8am to 8pm (AEST)


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 412kB).


ANZ may provide pre-approval (also known as approval in principle or conditional approval) to eligible customers who apply for an ANZ home loan and complete an application form and satisfy any other applicable requirements. Pre-approval is an approval for a loan subject to conditions being met, including that security is satisfactory to ANZ. Australian Credit Licence Number 234527.


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.