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Changes to your loan repayments

Have your repayments changed?

Your loan repayment amount may change if a fixed rate term has expired, or if an interest-only period has ended. If you have a variable rate loan, changes to interest rates may also have an effect on your repayment amount. Contact our home loan specialists to discuss your options. 

How to make a change

If your loan has a fixed rate term that’s expiring, or if you’d like to switch between principal and interest and interest only or vice versa, then contact us and one of our home loan specialists will talk to you about your options.disclaimer Consider using our Repayments Calculator to see if another home loan option may work better for you.  

Want to refix?

After the end of your fixed rate period, you can either enjoy all the benefits of a variable rate (such as the ability to make extra repayments and to redraw), or you can apply to refix for 1 to 5, 7 or 10 year terms. Terms and conditions and fees and charges apply.

Want to change from a variable to a fixed rate?

If you're looking to make a change to your variable rate home loan or residential investment loan, we may be able to help. Be aware that with a fixed rate loan, you need to know that if you repay the loan or switch to another one before the end of your fixed term, or make early or additional repayments, you may have to pay an Early Repayment Cost (which may be very large).

ANZ Fixed Rate Loans - What happens if you repay some or all of it early? (PDF 196kB)

Ask for a Repayment Holidaydisclaimer

If you are eligible, a Repayment Holiday enables you to take a break from your loan repayments by putting these repayments on hold for up to three months.disclaimer

At the end of this period, the repayment amount is increased to ensure that you repay the loan in full within the agreed term. You can also choose to repay the Repayment Holiday in a lump sum at the end of the repayment holiday period. To find out if your loan is eligible for a Repayment Holiday, call 1800 092 536.

Contact us, we're here to help

Call a Home Loan Specialist

1800 100 641

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Sat-Sun 8.00am to 6.00pm (AEST)

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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.

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All applications for credit are subject to ANZ's credit approval criteria. Terms and Conditions apply and are available on application. Fees, charges and eligibility criteria apply. 

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Approval is at ANZ’s discretion.  See the ANZ Consumer Lending Terms and Conditions (PDF 412kB) for eligibility criteria. Interest on the amount of principal outstanding will continue to accumulate during the repayment holiday period.

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