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Get 300,000 Qantas Points when you buy or refinance with an eligible ANZ home loan

Take off with 300,000 Qantas Pointsdisclaimerand come home to discounted home loan ratesdisclaimerwhen you apply or switch to an eligible ANZ home loan of $300k or more with a Loan to Value Ratio (LVR) of 80% or less.

Hurry! Apply by 19 August 2022

What's the deal?

Take that long-awaited holiday on us

300,000 Qantas Points can seriously take you to where you’d rather be. Whether it's Honolulu with the kids, Rome with a loved one or Hamilton Island with mates,disclaimerit’s time to make some memories. 

Where can I go?

Get discounted rates from disclaimer ( comparison ratedisclaimer)

We know home loan rates matter right now. Check out our discounted interest rates on eligible fixed or variable rate home loans.disclaimer

Show me the rates

And $0 ANZ set up or ongoing feesdisclaimer 

Free yourself from ongoing fees. You won't pay any ANZ set up or ongoing feesdisclaimer on any of our home loans. Less spent on fees, more to spend on holiday. Nice.

Tell me more 

Travel is back! See where 300,000 Qantas Points could take you

Honolulu

Return flights for 4 people

Equivalent value $9,920

Departing from Sydney. 252,000 Qantas Points plus $358.75 per person in taxes, fees and carrier chargesdisclaimer

London

Return flights for 2 people

Equivalent value $7,660

Departing from Sydney. 220,800 Qantas Points plus $702.50 per person in taxes, fees and carrier chargesdisclaimer

Rome

Return flights for 2 people

Equivalent value $10,047

Departing from Sydney. 220,800 Qantas Points plus $489.14 per person in taxes, fees and carrier chargesdisclaimer

Hamilton Island

3 return flights for 4 people

Equivalent value $16,929

Departing from Sydney. 288,000 Qantas Points plus $107.62 per person in taxes, fees and carrier chargesdisclaimer

Broome

2 return flights for 4 people

Equivalent value $16,738

Departing from Sydney. 288,000 Qantas Points plus $111.98 per person in taxes, fees and carrier chargesdisclaimer

Cairns

2 return flights for 4 people

Equivalent value $6,906

Departing from Sydney. 288,000 Qantas Points plus $92.92 per person in taxes, fees and carrier chargesdisclaimer

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Use your Qantas Points on eligible flights with Qantas, Jetstar and oneworld® member and partner airlines, flying to over 1,200 destinations globally. See where else your Qantas Points could take you

Not into travel? No worries. You can use your Qantas Points for fuel, household goods, shopping vouchers and more. See ways you can use your Qantas Points.

Let's talk discounted home loan ratesdisclaimer

Basic variable

disclaimer

Principal & interest

Comparison ratedisclaimer

Interest rate with special offer discountdisclaimer when borrowing 70% or less of the property value.disclaimer

Get a competitive interest rate and basic features (no offset).

Apply online

Standard variable with optional offsetdisclaimer

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Principal & interest

Comparison ratedisclaimer

Discounted standard variable rate when borrowing 80% or less of the property value.disclaimer

Can I go lower?

Talk to us to find out if a further discount could apply to your standard variable rate, depending on your situation.

Let's talk rates

Fixed rate

 disclaimer disclaimer

Principal & interest

Comparison ratedisclaimer

Discounted 2 year fixed rate when borrowing 80% or less of the property value.disclaimer

Choose from 1, 2, 3, 4, 5, 7 and 10 year fixed rate terms.

Apply online

How to claim your 300,000 Qantas Points

 

Hurry! Apply by 19 August 2022

Apply or switch with us or any ANZ accredited broker by 19 August 2022 for a new eligible home loan of $300,000 or more with a Loan to Value Ratio (LVR) of 80% or less. 

What's my LVR?

Settle by 31 January 2023

Have your home loan settled and drawn down any time up until 31 January 2023. Assuming you meet the terms and conditions, we’ll be in touch to let you know how to claim your Qantas Points. See full T&Cs (PDF 124kB).

Claim your Qantas Points

Once your valid claim has been received, 300,000 Qantas Points will be credited to your Qantas Frequent Flyer account within 60 days max. And then.... the world's your oyster! 

Not eligible for this deal?

You could still get in on all the benefits of ANZ home loans, like discounted interest rates upfront on eligible loansdisclaimer and $0 ANZ set up or ongoing fees.disclaimer

Looking for a better deal on your home loan?
It's super simple to switch

Refinance to an eligible ANZ home loan and you could be looking at a lower interest rate and fewer fees.disclaimer  Not to mention 300,000 Qantas Points richer!disclaimer

  • eVerify and eSign mean you can sign your home loan documents from home. Easy.
  • No income verification documents needed if you're a PAYG customer refinancing to an equal home loan amount (and same or lower repayments) on an eligible home loan.disclaimer Less paperwork, less hassle. 

Switch now

Apply by 19 August 2022, don't miss out!

Quick start your application for pre-approvaldisclaimer, a new home loan or to refinance your home loan to ANZ. Or if you’d like to chat, one of our home loan specialists can call you back. 

Apply online nowRequest a call back

You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.

Have a property in mind? Find out how much it could be worth

If you’re looking to buy and have a property in mind, a free ANZ Property Report gives you essential information about the property and surrounding suburb, so you can make an informed decision about your next move.

The property report includes:

  • A free property price range estimate
  • Comparable sales results in the area for listed properties and price ranges on those that are unlisted
  • Sales and rental listings in the area
  • Interesting suburb insights and trends
  • Any recent sales history of the property

Request a report

You've got questions. We've got answers.

Eligibility

For you and this home loan offer to be a match, you must take up one of the following products:

  • ANZ Standard Variable Rate home loan 
  • ANZ Fixed Rate home loan
  • ANZ Simplicity PLUS home loan

The loan amount must be for $300,000 or more with a Loan to Value Ratio (LVR) of 80% or less. In other words, you'll need to be borrowing 80% or less of the property value (as assessed by ANZ).disclaimer   If you're not sure, use our calculator to estimate your LVR. The home loan will need to be for the purpose of buying a residential property or to refinance a home loan from another lender.

There are some cases where this offer doesn't apply:

  • ANZ land or construction loans
  • ANZ bridging loans
  • additional lending under an existing ANZ home loan
  • renewing or restructuring an existing ANZ home loan
  • an ANZ home loan that is not in a personal name eg. companies, trusts and partnerships

If you're not sure whether your loan is eligible for this offer, please talk to an ANZ home loan specialist or your broker.

Great question, get in on this offer while it lasts! Apply for an eligible home loan between 10 June 2022 and 19 August 2022.

You sure are. Whether you're looking to buy your first or next home, refinance or invest, this offer is open to you provided you meet the eligibility criteria and terms and conditions (PDF 454kb). Our home loan experts are ready to chat about our products and rates so you can work out the home loan that best suits your needs.

Absolutely! You’ll be eligible for the 300,000 Qantas Points if you take out an eligible ANZ home loan with an accredited ANZ broker (and otherwise meet the terms and conditions (PDF 454kb).

Good question, but no, you won't get the points unless you take out a new eligible home loan with us.

Of course. If you qualify for the offer, after your home loan settlement we’ll send you an email with instructions on how to claim your Qantas Points. This will include a free sign-up to the Qantas Frequent Flyer program.

If your LVR is over 80% unfortunately you won't be eligible for this offer.  But you may still be eligible for discounted rates and no ANZ set up or ongoing feesdisclaimer with our simpler home loans.


About all those Qantas Points

This is the best bit!  Once you've had your eligible home loan approved and settled and assuming you meet the terms and conditions of the offer, here's how to claim that big pile of Qantas Points:

  1. We’ll send you an email with instructions on how to claim your points. You'll get a free sign-up to the Qantas Frequent Flyer program (if you're not already a member), a unique claim code and a link to the claim website. Keep this email and your details safe to make sure you can submit a valid claim.
  2. Submit your claim for the points using your Qantas Frequent Flyer details and unique claim code.
  3. 300,000 Qantas Points will be credited to your Qantas Frequent Flyer account once your claim has been validated (within 60 days max). You'll receive an email confirmation once your points have been credited.

Unfortunately not - you can only claim a maximum of 300,000 Qantas Points (including one claim on any joint loan applications), no matter how many eligible loans you hold.

Sharing is caring! You might be able to transfer your Qantas Points to eligible family members (once the points have been credited to you). See Qantas Terms and Conditions for more details.

If travel's not on the cards right now, there are plenty of other ways you can spend your 300,000 Qantas Points. Treat yourself or a loved one with luxury goods from brands like Apple, Bose, Sheridan, KitchenAid and lots more in the Qantas Rewards Store.

Or take the pressure off some everyday living costs by putting points towards fuel, household goods or shopping vouchers. See all the ways you can use your Qantas points

 

About our home loans

All our eligible fixed and variable rate home loans come with a discount off the index rate applied upfrontdisclaimer(without needing to pay an annual home loan package fee). The interest rates shown here include those discounts.

If you’re considering our Standard Variable home loan, you may be able to access a further discount off the index rate than shown above, depending on your situation. This is because the rate discount you can access for this home loan depends on your Loan to Value Ratio (LVR) and other financial circumstances. To find out if you could access a lower rate for our Standard Variable loan, have a no-obligation chat with one of our specialists.

A whole lot! You won't be charged any ANZ set up or ongoing feesdisclaimer  on any of our home loans. Check out all the fees you won't be charged below.

  • $0 Annual package fee
  • $0 Loan approval fee
  • $0 Loan administration charge
  • $0 Renegotiation fee
  • $0 Valuation administration fee
  • $0 Progress payment fee
  • $0 Guarantee administration fee
  • $0 Redraw fee

Some other fees may still apply

Other home loan fees including Late Payment Fee and Early Repayment Cost(for fixed rate loans) still apply. Loan security fees including Lodgement Fee, Production Fee, Settlement Fee and Search Fee still apply however will not be charged on establishment of a loan. Government fees and charges (including government search fees and stamp duty) may still apply. For further details refer to ANZ Personal Banking General Fees and Charges (PDF 155kb).

A comparison rate is designed to help you work out the total cost of a home loan by building the known costs like up-front and ongoing fees into that rate. It doesn’t include things like government charges, redraw fees or fee waivers. 

You can use comparison rates to help you compare the cost of different home loans with similar features. When deciding which home loan is right for you, it’s important to think about what features each home loan offers, and how much these matter to you. Keep in mind that you may not necessarily pay the comparison rate that is advertised for your loan type.  This is because, for example, you may not pay all the fees and charges which the comparison rate includes.

LVR stands for 'Loan to Value Ratio' and it's the amount you’re looking to borrow, calculated as a percentage of the value of the property you want to buy (as assessed by ANZ). For instance if you’re borrowing $400,000 to buy a $500,000 property, your LVR would be 80% (because $400,000 is 80% of $500,000).

LVR is important because it may affect your borrowing power. Generally, the lower the LVR the better, as it carries less risk for the lender. If your LVR is above 80% (that is, you're looking to borrow more than 80% of the value of the property you want to buy), you may need to pay Lenders Mortgage Insurance (LMI). This insurance protects the lender - ANZ, not you - if you default on your home loan and there’s a shortfall following the sale of the property. Generally speaking the higher your LVR, the more LMI will cost.

Learn more about ANZ LMI with our Key Fact Sheet (PDF 370kB) or read our article on Lenders Mortgage Insurance.

*Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.

 

Your Loan to Value Ratio (LVR) is the amount you’re looking to borrow, calculated as a percentage of the value of the property you want to buy*. For instance if you’re borrowing $400,000 to buy a $500,000 property, your LVR would be 80% (because $400,000 is 80% of $500,000).

The calculator will show your estimated LVR rounded up to one decimal point. For instance if your estimated LVR is calculated as 80.01%, it will be rounded up to 80.1%. Having an LVR of 80% or less (and for some loans 70% or less) means you could access some of ANZ’s higher discounts, and may be able to avoid paying Lenders Mortgage Insurance (which protects the lender if you default on your loan). Learn more about ANZ Lenders Mortgage Insurance with our Key Fact Sheet (PDF 370kB).

Generally, the lower your LVR the better. This is because from the lender’s perspective, a lower LVR carries less risk. Plus, a lower LVR means you’ll have more equity in your home from the start. Find out more about LVR and what it means for your home loan.

*Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.

   

Loan to Value Ratio Calculator

You can apply for a discounted interest rate based on your Loan to Value Ratio (LVR). Higher discounts may apply if your LVR is 80% or less.

Your LVR is the amount you're looking to borrow, divided by the value of the property you want to buydisclaimerand expressed as a percentage. For instance, if you're borrowing $400,000 to buy a $500,000 property, your LVR would be 80%.

   

LVR will be determined based on Bank Assessed Security Value and will be based on the loan structure.

See the full Terms and Conditions (PDF 124kb) for this offer. 

Any information provided is general in nature and does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you. ANZ recommends you read the applicable Terms and Conditions booklets and the ANZ Financial Services Guide (PDF, 104kB) before deciding whether to acquire, or continue to hold, a particular product, which are available on anz.com or by calling 13 13 14 before deciding whether to acquire, or continue to hold the product.

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

ANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

Eligibility criteria, terms and conditions, fees and charges apply. This offer is only available if you apply between 10 June 2022 and 19 August 2022 and if approved, settle by 31 January 2023. Only one 300,000 Qantas Points offer can be claimed by any one person. Only the first person to successfully claim on joint loans will be awarded Qantas Points. Qantas Points credited within 60 days after valid claim form redeemed with ANZ following loan settlement. See full Terms & Conditions (PDF 124kB).

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Eligibility criteria applies to the Special Offer discount for ANZ Simplicity PLUS, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.

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Examples are a guide only and subject to change. Equivalent value based on a sample of the Qantas Frequent Flyer Rewards that could be obtained by redeeming through the Qantas Frequent Flyer program and will vary depending on how and when points are redeemed. Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available. The Qantas Points, taxes, fees and carrier charges stated are accurate as at 5 May 2022 but may vary at the time of booking. Status Credits and Qantas Points will not be earned on Classic Flight Rewards. Visit Classic Flight Rewards for more information.

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The rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount for loans with a Loan to Value Ratio of 70% or less. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.

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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 is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

For interest only variable loans, the comparison rates are based on an initial 5 year interest only term. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.

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Other home loan fees including Late Payment Fee, Lock Rate Fee, Early Repayment Cost (Fixed Rate Loans) and ANZ Equity Manager facility fee still apply. Loan security fees including Lodgement Fee, Production Fee, Settlement Fee and Search Fee still apply however will not be charged on establishment of a loan. Government fees and charges (including government search fees and stamp duty) may still apply.

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The interest rate shown includes an interest rate discount from the index rate and applies to home loan applications or renewals submitted on and from 19 March 2022. For ANZ Standard Variable, this discount is  for loans with a Loan to Value Ratio (LVR) of greater than 80% and  for loans with a LVR 80% or less. For ANZ Fixed, this discount is  for loans with a LVR greater than 80% and  for loans with a LVR 80% or less. This interest rate discount is not available for eligible loans linked to an existing Breakfree Package. Eligible loans linked to the Breakfree Package will receive an interest rate discount under the Breakfree Package. To view rates that apply to loans linked to the ANZ Breakfree Package and for more information, see here.

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Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.

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A $10 servicing fee applies per month per ANZ One offset account. Please refer to ANZ Personal Banking Account Fees and Charges (PDF 100kB) for fees and charges that apply.

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Rates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan.

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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 is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Fixed home loans aren’t for everyone and early repayment costs may apply if you repay your loan or switch to another one before the end of your fixed term or make early or additional repayments. Once the fixed rate period ends, the loan reverts to a variable rate loan and repayment amounts will change. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period. 

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The rate shown is the Simplicity PLUS Residential Investment Property Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime. 

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Rates shown apply during the interest only period of your loan. Choose from 1-5 year interest only terms for owner occupied on an ANZ Standard Variable (Land Loan up to three years) and ANZ Fixed (Land Loan up to three years) and choose from 1-5, 7 and 10 year interest only terms for residential investments on an ANZ Standard Variable (Land Loan up to one year), ANZ Fixed (Land Loan up to one year) and ANZ Simplicity PLUS. If you choose to make interest only payments on ANZ Fixed, your fixed period and interest only period will be the same. After the interest only period, your rate will switch to the applicable variable rate for a principal and interest loan. At the end of the interest only period, minimum repayment amounts may increase to cover principal and interest. Interest only loans are not for everyone and you should consider if this is the right strategy for you.

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Eligibility criteria applies. Applicants must receive PAYG income, and be refinancing their loan from another financial institution only. The loan must not require Lenders Mortgage Insurance. The current minimum repayment must be greater than or equal to the minimum principal and interest repayment for the residual term of the new loan. Maximum cash out of $50,000. There must be 12 months repayment history evident on CCR(Comprehensive Credit Reporting) for the loan being refinanced and no evidence of delinquency/hardship on any ANZ or other financial institution accounts in the past 24 months. There must be no more than 3 new credit card or personal loan products opened by the customer in the last 12 months.

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ANZ may provide pre-approval (also known as approval in principle or conditional approval) to eligible customers who apply for an ANZ home loan and complete an application form and satisfy any other applicable requirements. Pre-approval is an approval for a loan subject to conditions being met, including that security is satisfactory to ANZ. Australian Credit Licence Number 234527.

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ANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.

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Property value is ANZ's valuation of the security property and may be different to the price you pay for a property. 

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Estimated LVR is based on the limited information provided and is for illustrative purposes only. Estimated LVR is rounded up to one decimal place. For example, an estimated LVR of 80.01% will be rounded up to 80.1%. The value of the property (as assessed by ANZ) may differ from your estimate. It does not constitute a quote or an offer for credit. To apply for an ANZ home loan you must complete an application. All applications for credit are subject to ANZ's credit approval criteria.

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