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Refinance Calculator

Compare your current rate and repayments to see if switching to ANZ Plus could mean more in your pocket.

$2,000 cashback

Available to customers refinancing an eligible home loan of $250,000 or more with ANZ Plus.

See T&Cs

Excludes refinancing from ANZ or Suncorp. Offer may be withdrawn or amended at any time. Other exclusions and T&Cs apply.2

$2,000 cashback

Limited time offer for eligible home loans refinanced to ANZ Plus.

See T&Cs

Excludes refinancing from ANZ and Suncorp. Excludes customers that have previously held an ANZ Plus home loan on the same property.2

Get a home loan made for more 

Discover tools and features designed to help you find ways to get ahead and maybe even pay off your home loan sooner.

Refinance with ANZ Plus

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 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.

See all FAQs

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

Interest rates shown on this page are current as at 28 February 2025 and are subject to change.

1 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.

2 Offer available to customers refinancing an eligible home loan of $250,000 or more. Excludes refinancing from ANZ or Suncorp Bank. Cash back paid within 60 days to an eligible ANZ Plus account. You must drawdown the eligible ANZ Plus home loan within 120 days from applying. Offer can be amended or withdrawn at any time. Fees, charges, and other exclusions and T&Cs apply. See the full Terms and Conditions (PDF) for this offer.

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

Interest rates are variable and subject to change. To be eligible for the ANZ Plus Flex Saver account you must be an existing ANZ Plus customer.

Australian credit licence number 234527.