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What are the eligibility requirements?

What are the eligibility requirements?

To apply for an ANZ Plus home loan, you’ll need to meet our key eligibility criteria. Our eligibility criteria are pretty tight right now, but we’re working to expand as quickly as we can to support more people.

About you

  • You’re a current ANZ Plus customer or will download the ANZ Plus app and open ANZ Save and ANZ Plus accounts before applying
  • You’re 18 years or older
  • You’re refinancing an existing loan
  • You want to refinance your home (and you live there)
  • Your name is on the title to the property
  • You don’t own any other properties (either outright, or with a home loan)
  • You earn a regular salary on a PAYG income
  • You’re an Australian or New Zealand Citizen, or a permanent resident of Australia
  • You are not a guarantor on any other loan.

If you’re an existing ANZ customer, limitations in our initial release may prevent some applications from proceeding. This may occur if you have another credit application in progress or if your customer profile doesn’t meet our requirements (for example if you are a guarantor or a trustee on another account).

If you’re applying with a partner, you’ll both need to meet all the criteria listed above, live together and share finances for the purpose of providing a joint statement of position.

About your loan request

  • You’re borrowing between $10,000 and $2,000,000
  • You’re borrowing the same amount as, or less than, your current loan
  • Your Loan to Value Ratio isn’t more than our maximum which is typically a loan that’s 80% of our valuation of your property (but the maximum may also be influenced by your property valuation)
  • You don’t require a guarantor
  • The outgoing financial institution participates in Comprehensive Credit Reporting.

About your property

  • Located in capital city metro or a major regional centre of the ACT, NSW, Qld, SA, Vic or WA
  • It’s your home and principal place of residence
  • Not intended as an investment property or for non-residential purposes
  • Not vacant land, under construction or an ‘off the plan’ purchase
  • We value your property at no more than $2,500,000
  • Freehold title only – ANZ Plus cannot provide lending for other types of title, such as leasehold or company title
  • Residential zoning applies to your property – ANZ Plus cannot provide lending for other types of zoning, such as properties with commercial zoning
  • At least 50 m2 in living area, excluding balconies and car space
  • The maximum land area of the property is 2,000 m2
  • Your property can be located and verified by our property valuation tools during the application process.

ANZ Plus is new and there are a few things you can’t do just yet

  • Have an offset account (it’s coming soon!). However, you can redraw eligible additional payments
  • Fix your interest rate or pay interest only
  • Use branches or ANZ Internet Banking to apply for or manage your ANZ Plus Home Loan

If this all sounds good, you can start your application in the ANZ Plus app.

Even if you think you meet all these criteria, we’ll need to assess your application and customer profile to confirm if you’re eligible to apply for an ANZ Plus Home Loan.

Remember, if an ANZ Plus Home Loan isn’t for you just now, keep an eye out for updates. Alternatively, you can explore other refinancing or home loan options with ANZ online.


Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply. Australian credit licence number 234527.

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 for your reference on You should read them before deciding to apply for or keep these products.