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ANZ Home Loan Protection

Want extra protection against life’s little – and not so little – surprises?

ANZ Home Loan Protection is optional insurance that can pay your ANZ Home Loan and help maintain your home lifestyle - when you can’t due to unexpected unemployment, illness, injury and more. Try the online estimate tool to understand how much this cover may cost.

Get startedRequest a quote

Request a quote and apply today

Why choose ANZ Home Loan Protection?

Easy to apply

It's quick and easy to apply with no medical or blood tests required, subject to pre-existing conditions.

Flexible options

Choose from one of three cover options to suit your protection needs.

Only pay for what you need

Your amount of cover will match the total outstanding balance of your ANZ home loan. This means that as the loan mortgage balance decreases each month, so does the amount of cover you pay for.

Joint policy discounts

Receive a 10% discount off your premium if you apply for a joint ANZ Home Loan Protection policy. 

What's covered?

What you're covered for


Injury, illness and involuntary unemployment

Life, injury, illness and involuntary unemployment

A one-off payment that pays your ANZ home loan if you pass away or are diagnosed with a terminal illness with less than 12 months to live.

Your monthly ANZ home loan repayments for up to 18 months, if you can’t work because of illness or injury.

Your monthly ANZ home loan repayments for up to 90 days, if you become involuntarily unemployed.

A 30-day waiting period applies for each claim after the claim event date if you are either ill or involuntarily unemployed.

What's not covered?

  • For any illness, injury or condition that is subject to a medical consultation in the 12 months before your policy starts, and this leads directly or indirectly to your death or disablement after your policy starts
  • For death caused by suicide in the first 13 months of any cover
  • If you’re involuntarily unemployed for the first 90 days after the policy start date
  • For any illness in the first 30 days after the policy start date

You won't be covered for injury, illness or involuntary unemployment:

  • If you work less than 20 hours in paid employment per week
  • If you resign or retire from your job, take voluntary redundancy, your employment contract expires, or your employment is terminated because you commit wilful misconduct or take part in a strike or labour disturbance
  • For any condition that results from using alcohol or drugs (except where the drugs are taken as prescribed by a medical practitioner)

How much will it cost? 

To get an estimate of how much ANZ Home Loan Protection insurance may cost, try the online estimate tool or call us on 13 16 14 to get a formal quote today.

Get started


  • Optional mortgage insurance that can help pay your ANZ home loan if you're unable to work, are diagnosed with a terminal illness or pass away
  • Choose from one of three cover options
  • No medical or blood tests required, subject to re-existing conditions
  • Your insurance premium reduces as your home loan balance reduces

Things to consider

You must:

  • have an eligible ANZ home loan of $30,000 to $1 million
  • be 18–59 years old
  • be an Australian or New Zealand citizen, or hold an Australian Permanent Residency Visa
  • have lived in Australia for at least six continuous months in the past 12 months
  • receive the ANZ Home Loan Protection PDS in Australia
  • have no more than $1 million in total Life Benefit across all ANZ Home Loan Protection policies (including this policy) if applying for life cover
  • meet our definition of employed if applying for injury, illness and involuntary unemployment cover

Get a quote and apply

Before taking out any type of insurance it's important to make sure that you have the financial capacity to pay your premiums.

For a quick estimate of how much you can expect to pay for ANZ Home Loan Protection, check out our online estimate tool.

Once you're ready to apply for ANZ Home Loan Protection, simply request a quote and we'll call you back to provide a formal quote. You can also visit your nearest branch to get a quote and apply.

Call 13 16 14

Monday - Friday, 9am to 5pm (Sydney/Melbourne time)

Request a quote

Are you an ANZ Mortgage Protection Insurance customer?

We no longer offer this insurance product to new customers however if you’re an existing policy holder you remain covered by this insurance. Check out the ANZ Mortgage Protection Product Disclosure Statement and Policy Document (PDF 155kB) for information about the product including what you're covered for.

If you need to make a claim or have any questions about your policy call us on on 1300 552 253 weekdays 8am to 5pm (Sydney/Melbourne time).

Is your mortgage insurance policy due for renewal or cancelling?

If your current policy is due for renewal or going to cancel as you’re restructuring your loan, you may be considering your options.

An alternative to consider is ANZ Home Loan Protection – if you purchase a policy as a replacement to your ANZ Mortgage Protection policy, it may be treated as a replacement policy and you may be eligible for a premium discount.

Learn more via our product comparison fact sheet (PDF 74kB) or call us on 13 16 14.

Make a claim

We know making an insurance claim comes at an extremely stressful time, so we’ve made the process as easy as possible. With support available over the phone from our local claims centre, we’re here when you need us most.


Need to make a claim now?

Mon - Thur, 8.30am - 7pm (Sydney/Melbourne time)
Fri, 8.30am - 5.30pm (Sydney/Melbourne time)

Get your home loan protection sorted now

When you're ready, request a quote via the button below or call us.

Request a quoteCall 13 16 14

Monday - Friday, 9am - 5pm (Sydney/Melbourne time)

Home loan protection common questions and guides

Your premium is calculated monthly, based on a few factors including age, single or joint cover, cover type selected, loan amount and monthly loan repayment, as well as government charges and stamp duty.

You pay your premium monthly in advance by direct debit from a bank account or credit card.

If you buy the policy on a new ANZ loan, this is the date ANZ makes funds available to your ANZ loan. If you buy the policy on an existing ANZ loan, this is the date we accept your application for ANZ Home Loan Protection.

No. Home loan protection insurance is an optional cover. You do not need to buy this cover to apply for your ANZ home loan but it's important that you consider your future ability to maintain your home loan repayments and protect your lifestyle.

How to make a complaint, compliment or provide feedback

We value your feedback regarding our performance and we’re committed to resolving any concerns you may have. 

Talk to us

Our customer service team is your first point of contact for any enquiries, raising concerns or providing feedback. Our contact details are below. We will do our best to resolve your concerns genuinely, promptly, fairly and consistently, and keep you informed of the progress.

If you are not satisfied with the response to your complaint or feedback, your concerns will be escalated to our Complaints Resolution Centre.

Call us

13 16 14

Mon - Thur, 8.30am - 7pm (Sydney/Melbourne time)
Fri, 8.30am - 5.30pm (Sydney/Melbourne time)

Email us

Write to us

Complaints Resolution Centre
GPO Box 7086
Sydney, NSW, 2001


External dispute resolution

If your concerns have not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA) who provides fair and independent financial services complaint resolution that is free to consumers. 

Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.The AFCA contact details are:


1800 931 678 on weekdays (except on public holidays) from 9am to 5pm (AEST)


Write to   

Australian Financial Complaints Authority
GPO Box 3
Melbourne, Victoria, 3001

Visit online



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This information was published on 04 April 2022 and is subject to change.

ANZ Home Loan Protection is issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238 341). We recommend that you read the ANZ Financial Services Guide (PDF 479kB)Target Market Determination (PDF 68kB) and the ANZ Home Loan Protection Product Disclosure Statement and Policy Document (PDF 330kB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

ANZ Mortgage Protection is issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238 341) for the Life Benefit, and QBE Insurance (Australia) Ltd (QBE) (ABN 78 003 191 035, AFSL 239 545) for the Disability Benefit and the Involuntary Unemployment Benefit. We recommend that you read the ANZ Financial Services Guide (PDF 479kB) and the ANZ Mortgage Protection Product Disclosure Statement and Policy Document (PDF 222kB) (available online or by calling 13 16 14) before deciding whether to continue to hold this product.

Although Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522 AFSL 234527) distributes these products, ANZ does not guarantee or stand behind the issuers or their products.

This information is of a general nature and has been prepared without taking account of your personal objectives, financial situation or needs. Before acting on the information, you should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.

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