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Start your refinance application in the ANZ Plus app

Scan the code to join in minutes.

Minimum of iOS 15.0 or Android 7.0

You must have an existing ANZ Plus transaction or savings account, or if you're new to ANZ Plus, be willing to open ANZ Plus Everyday and ANZ Plus Growth Saver accounts, before applying to refinance your home loan.

Ready to refinance?

The keys to your home loan are in the app.

Grab some ID and verify in-app

If you’re new here, we’ll need you to verify your identity and set up your profile. You can use your passport or Australian Driver’s License.

Start your refinance application

You’ll see a tile in the ANZ Plus app. We’ve pre-loaded the information you gave us so you can pick up where you left off.

Partner up to apply together

If your property is jointly owned, you can invite your plus one to complete the application process together, on your own phones.

Things you should know

You can apply for, get approved and manage your home loan in the ANZ Plus app.

We might be a good fit for you if:
  • You are refinancing an existing home loan between $10,000 and $2,000,000.
  • You have an existing ANZ Plus transaction or savings account, or if you're new to ANZ Plus, are willing to open ANZ Plus Everyday and ANZ Plus Growth Saver accounts.
  • All borrowers are Australian or New Zealand citizens or Australian permanent residents and earn PAYG or rental income.
  • You would like a variable interest rate and to make principal and interest repayments.
  • You are able to apply for and manage your loan in the ANZ Plus app.
  • The loan is for no more than 80% of your home's value (depending on the location, it might have to be less than 80%).
We might not be a good fit for you right now if:
  • You are refinancing a loan for a property in Tasmania or the Northern Territory.
  • You want to fix your interest rate or pay interest only.
  • You want to borrow additional funds for the purposes of property purchase, debt consolidation or structural renovations.
  • You'd like to use ANZ Internet Banking to apply for or manage your ANZ Plus Home Loan.
  • You'd like to use ANZ Branches without your own mobile device and the ANZ Plus app.

Applications are subject to credit approval and other eligibility criteria. If this product isn’t quite right, you might like to explore other ANZ home loans that may work for you.
Or if you want to chat about your options, you can leave us your details and we’ll get back to you.

Your questions answered

What’s an ANZ Plus Home Loan?

The ANZ Plus Home Loan is our new variable rate home loan for customers who wish to refinance an existing loan. It's the first lending product available to eligible customers within the Loans tab.

There’s some eligibility criteria and suitability that you’ll need to be across. If you decide the loan suits you, and you're approved, you’ll gain access to the all new digital first, human supported, ANZ Plus Home Loan.

The Loans Tab joins a host of other clever money management tools to help you spend less, and save more within your secure ANZ Plus digital banking app.

We also offer human support from our expert ANZ Plus Coaches.

Is my property eligible to refinance?

At the moment, we can only consider refinancing loans secured by properties located in the ACT, NSW, Qld, SA, Vic or WA.

If you live in Tasmania or the Northern Territory you won't be able to refinance with ANZ Plus just yet.

Alternatively, there are other ANZ home loans that may work for you.

If you're interested, leave us your details and we’ll get back to you. Alternatively, you can explore other ANZ home loans online

What are the steps to refinance with ANZ Plus?

Pick up your phone to switch your loan – it’s as simple as that!

If you meet our eligibility criteria, you can complete your refinance application in the ANZ Plus app and apply in your own time.

If you don’t have the ANZ Plus app, it’s available from the App Store or Google Play Store. When you join you’ll be able to apply for the ANZ Plus transaction and savings accounts. You’ll need these to start your home loan application.

First, check if you’re eligible for a home loan. You can tell us a bit about yourself, get a value on your property in just a few minutes, and set some simple loan preferences to see if we’re a good fit.

We’ll run a credit check to pre-fill some of your finances. After that, you can check the numbers, add anything that’s missing, or change anything that's not quite right.

Submit your application and put up your feet while you wait for us to get back to you. We’ll be in touch in-app, and may need to ask you for additional information, so it’s best to enable notifications.

To check your notification settings, go to the Profile icon and tap on Notifications.

If approved, you can view and accept your Loan Documents in the app.

Once your new loan has been set up, use the ANZ Plus app to take control of your finances with simplified loan management, access to loan notices, and receive ongoing support from our Coaches.

If you need help during your application, simply tap to Get Help when it’s displayed on screen for tailored FAQs and access to Coach support. Otherwise, you can head to the Support tab of the app to get in touch.

How do I request a Key Facts Sheet?

A Key Facts Sheet sets out pricing and other information on a home loan product in a standardised format, so you can see key information about the loan and more easily compare different standard home loans.

To request a Key Facts Sheet from ANZ Plus, you’ll need to select how you use the property you're refinancing, enter the amount you’d like to borrow and your desired loan term, and select ‘View Key Facts Sheet’. We’ll then generate a Key Facts Sheet that summarises important facts such as the interest rate, the estimated total amount to be paid back, and your potential monthly and annual repayments. It will also explain how repayments will be affected if interest rates change.

Request a Key Facts Sheet

What else you should know

The information in the Key Facts Sheet is an estimate only based upon the information you have provided and the current ANZ Plus Home Loan Variable rate (with principal and interest repayments). Rates are subject to change.

The Key Facts Sheet does not represent an offer for credit or constitute a loan approval or a quote. To apply for an ANZ Plus Home Loan Variable you must apply through the ANZ Plus App. All applications are subject to credit assessment and eligibility criteria. Terms and Conditions available on application. Fees and charges apply.

*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. A monthly offset fee will apply if you link your ANZ Plus Everyday account to your eligible home loan as an offset account. Government fees and charges may still apply.

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