Fancy a holiday with your home loan?
Get 300,000 Qantas Points with a new eligible home loan of $300k or more and LVR 80% or less. T&Cs apply.
Fancy a holiday with your home loan?
Get 300,000 Qantas Points with a new eligible home loan of $300k or more and LVR 80% or less. T&Cs apply.
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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.
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
1. Move to a Variable rate
Once your fixed rate period ends, you will automatically roll onto a variable rate unless you choose otherwise.
The benefits of choosing a variable rate include:
However, it’s worth noting that rates can move up (or down) over the life of your loan. Consider whether you can afford higher loan repayments if interest rates go up.
2. Refix
You can apply to refix for 1 to 5, 7 or 10 year terms. Terms and conditions and fees and charges apply.
Some benefits of a fixed rate include:
However, 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)
If you’d like to talk with someone about your options, one of our home loan specialists in one of the following ways:
Contact your existing home loans specialist.You might also want to consider using our Repayments Calculator to see if another home loan option may work better for you.
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)
Choose a variable rate if you:
Choose a fixed rate if you:
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.
Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.
ReturnTerms 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).
ReturnTerms and Conditions, fees and charges apply. Refer to ANZ Personal Account Fees and Charges booklet (PDF 139kB).
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