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How to make home loan repayments

How to make repayments

Repayments can be made by:

Change the frequency of your repayments

Want a different repayment frequency that suits your needs better? Depending on your loan type, you may be able to choose between weekly, fortnightly or monthly repayments via ANZ Internet Banking. If you're not using Internet Banking, then contact us and we'll help you make the change. 

Set up or modify your Direct Loan Payments

Direct Loan Payments are an easy way to set up recurring payments to your linked ANZ loan accounts. Want to set up Direct Loan Payments in ANZ Internet Banking? There are two ways to do this: 

  • Bank Managed Payments, which act as the main method of payment and will automatically increase if the minimum required loan payment amount increases. ANZ will not decrease your payment if the minimum required repayment decreases.
  • Customer Managed Payments, which are regular payments but won't automatically update if the minimum loan payment amount increases. 

To add a Direct Loan Payment:

  • Log on to ANZ Internet Banking and select your loan account.
  • Select 'Create or Manage Direct Loan Payments'.

Read our detailed guide about setting up or making changes to your Direct Loan Payments.

Want to make extra repayments?

If you have a variable rate home loan or variable rate residential investment loan, there are no additional costs for making extra repayments whenever you can.

It's important to keep up repayments

By law ANZ must share certain credit information as part of Comprehensive Credit Reporting with Australian credit reporting bodies that relate to any personal lending products you have with ANZ; including credit cards, personal loans, home loans and overdrafts. This information now includes your repayment history, including when you make payments on time and when you are late.

It’s now more important than ever to get on top of your money and make your repayments on time. If you do, it will appear favourably on your credit report.

Find out more about Comprehensive Credit Reporting.

Having trouble with repayments?

Please call us on 1800 092 536 immediately to discuss your circumstances and see if we can come to an arrangement. We may be able to restructure your payments or work out a payment plan to help you manage your loan. We're here to help if you're experiencing financial hardship, including in the event of a natural disaster.

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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.