Skip to main content

Refinance your home loan from the comfort of home

There are some things you should know before applying.

Explore a new home loan. Designed to help you own your home sooner.

Introducing a new home loan from ANZ Plus

ANZ Plus is ANZ’s new digital way of banking. Discover the benefits of refinancing to our new digital home loan with a competitive variable rate and no ANZ set up or ongoing fees*.

ANZ Plus is digital first

With ANZ Plus you can apply for and manage your loan in the ANZ Plus app. No more paper and complex forms.

See the value of your home

ANZ Plus will show you our valuation of your home, so you can apply with confidence knowing it's the valuation used to assess your application.

Accept loan documents in-app

See the progress of your loan each step of the way and use the ANZ Plus app to review and accept your loan documents securely.

Coaches are here if you need

Message, call, or chat face-to-face via video to get support along the way from our Coaches, who are specialists in the ANZ Plus home loan.

A new home loan with a competitive rate

6.14% p.a.

ANZ Plus Home Loan Variable Rate

6.15% p.a.

Comparison Rate

The comparison rate for the ANZ Plus Home Loan Variable is calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including applicable interest rate discounts. These rates are for secured loans only.

Things you should know

ANZ Plus is new. We're not for everyone and we don't do everything just yet.

An ANZ Plus home loan might be a good fit for you if:

  • You are refinancing between $10,000 and $2,000,000, and don't want to borrow any more than your current loan
  • You are applying as an individual or with a partner that you live with
  • You have or are willing to open ANZ Plus and Save accounts
  • All borrowers are Australian or New Zealand citizens or Australian permanent residents and earn a PAYG income
  • It is your only property, and you live in it
  • The loan is no more than 80% of your home's value (depending on the location, it might have to be less than 80%)
  • You would like a variable interest rate and to make principal and interest repayments
  • You would like to make and redraw eligible extra repayments
  • You can apply from the ANZ Plus app

There are a few things you can't do:

  • Refinance a loan for a property in Tasmania or the Northern Territory, or from non-metropolitan areas in other Australian states
  • Fix your interest rate or pay interest only
  • Have an offset account (it's coming soon!)
  • Use branches or ANZ Internet Banking to manage your ANZ Plus home loan

Applications are subject to credit approval and other eligibility criteria.
If this product isn’t quite right, we’ve got other ANZ home loans that may work for you.
You can leave us your details and we’ll get back to you, or you can explore ANZ home loans online

The keys to your new home loan are in the ANZ Plus app

Apply in minutes

Our digital application process means you can apply from the comfort of your home. We’ll save your application for 30 days so you can complete it in your own time.

See the value of your home^

We gather information about your home, its location and more to show you its current value. This is the amount we’ll lend against.

Pre-filled to save you time

We'll pre-load some information from your ANZ Plus accounts to help speed up the application process.

Get expert support if you need it

If you'd like some extra support with your application or have any questions, you can get help from an ANZ Plus Home Loan specialist.

Review and submit in-app

After you've entered your details, you'll get a loan summary to review before submitting your application.

Manage your loan in the ANZ Plus app

Once you're all set up, you can view your loan and repayments, and access eligible redraw in the ANZ Plus app.

Head to the ANZ Plus app to start your application

Already have ANZ Plus?

You can get started in the Loans tab.

Scan here and we'll take you to the right place.

Haven't joined yet?

Download the ANZ Plus app and open ANZ Plus and Save accounts to get started.

Already have ANZ Plus?

We'll take you to the right place.

Haven't joined yet? Get started by downloading the ANZ Plus app.

Minimum of iOS 15.0 or Android 7.0

Your questions answered

Get support, request a Key Fact Sheet and explore frequently asked questions about our new home loan, how it works, and how it could work for you.

All applications subject to credit assessment. Eligibility criteria and fees and charges apply.

Interest rates shown on this page are current as at 17 November 2023 and are subject to change.

*Other home loan fees including Late Payment Fee and Loan Discharge Fee still apply. Loan security fees including Registration Fees and Production Fee, still apply however will not be charged on establishment of a loan. Government fees and charges may still apply

Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including any applicable interest rate discounts. These rates are for secured loans only.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

^While we will lend against the property valuation shown in the ANZ Plus app, this is not a guarantee of the property’s market value or future sale price. Valuations may change daily and the actual sale price (if the property is sold) may be different.

Any advice is general and might not be right for you. The Financial Services Guide, Target Market Determination and ANZ Plus and ANZ Save Accounts T&Cs are available on for your reference. You should read them before deciding to apply for or keep these products.

Australian credit licence number 234527.