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$2,500 on us. Easy done.

Refinance a home loan to ANZ and get cash to spend on whatever you like. And with our new rates, now’s a great time to switch.

On eligible loans of $250K or more refinanced to ANZ (including any new lending as part of the refinance). Apply between 28 October 2019 and 31 January 2020. Settle by 30 April 2020. Payment into an eligible ANZ account. See our FAQs and terms and conditions below.


Apply by 31 January 2020

The bigger the switch, the bigger the reward.

Switching is easy with big offers on loans of all sizes. See where your loan fits.


For loans from $150K

Get $1,200 cash

Smaller loan? No worries. Here's a little sweetener to help make the switch.

For loans from $250K

Get $2,500 cash

The deal for most people. Switch for the cash and stay for new, lower rates.

For loans from $700K

Get $3,500 cash

Bigger loan? Bigger reward. It's our best cashback offer.

Plus our lowest rates on record

Introducing some of our best rates on residential home loans. Ever.


Fixed rate

fixed rate


Fixed for 2 years on owner occupied home loan under the ANZ Breakfree package.disclaimer Annual fee $395.

Comparison ratedisclaimer

Key numbersdisclaimer

  • Loan Administration Charge $10 per month
  • Redraw Feedisclaimer $0
  • Fee on early repaymentdisclaimer
  • Loan Approval Fee $600
  • $200 or $350 Renegotiation Feedisclaimer

Variable rate

fixed rate


ANZ Simplicity PLUS Home Loan with special interest rate (owner occupied when borrowing less than 80% of the property valuedisclaimer)

Comparison ratedisclaimer

Key numbersdisclaimer


Looking for the catch?

Splash out. Top up. Or squirrel away. You’re free to use your cashback how you want. We just want to say thanks for giving us a go. No catch, just cash.

We've answered your questions below for more of what you need to know.


Why choose ANZ?

Just in case you need more reasons to refinance with us.



Pop in. Or meet up.

Grab a coffee with one of our mobile lenders. Or pop in to your local branch. If you’re a people person, we are too.


Pay off your loan sooner

Find a better rate with us, or choose a loan with no extra fees for making additional repayments.


Bank on the go

Love your bank’s app? You’ll love ours too. Features like Apple Pay and PayID instant payments are just the start.


Bundle and save more

You could save over $1,800disclaimer in the first year with an ANZ Breakfree home loan packagedisclaimer Annual fee $395



What happens next?



Apply by 31 January 2020

Submit your application with us, or with an ANZ accredited broker, by 31 January 2020.



Settle by 30 April 2020

Be approved and settle your loan by 30 April 2020.



Get your cash

Once your loan is settled, the cash will be in your eligible ANZ account no later than 60 days.


Apply by 31 January, don't miss out!

We can come to you

Visit a branch

Locate your nearest branch


Get in touch

1800 519 688

Mon-Fri 8.00am to 8.00pm (AEST)
Sat-Sun 8.00am to 6.00pm (AEST)

Chat to an ANZ accredited broker

You can also contact your ANZ accredited broker today

How to get to 'yes' faster

The essential info you need to apply

  • Financial details including your income, expenses, assets and debts
  • A current driver’s licence, passport or Medicare card
  • An ANZ account number (if you have one)

To be eligible, please ensure

  • You are at least 18 years old
  • You are an Australian citizen or permanent resident
  • Your primary income is in Australian dollars

Don't meet some of the criteria above? Don't worry, you might still be able to apply. Call us on 1800 324 107, Monday to Friday 8:00am to 8:00pm (AEST), Saturday and Sunday 8:00am to 6:00pm (AEST), or visit an ANZ branch.

Questions? Here’s the nitty gritty.

This offer is for customers who are refinancing a loan from another financial institution to ANZ.  If you’d also like to borrow an additional amount from ANZ as part of that refinance, that additional amount will count towards the $250K minimum loan required for $2,500 cashback.

For example, if you have an existing home loan with another financial institution for $150K and want to borrow an additional $100K when you refinance to ANZ, we would consider the $100K to be new lending.

This offer is for customers who switch a home loan to ANZ from another financial institution. 

Where we can, we want to help our existing customers. Now is a great time to get in touch and see what we can do for you.

This offer is for a limited time. Submit your application between 28 October 2019 and 31 January 2020 and settle by 30 April 2020 to make sure you can get in on this deal.

Yes, absolutely. Chat to us about our investor home loans. We’re confident you’ll find one that fits.

Only a single cashback payment is available for each primary applicant in any 12 month period.

That means if you refinance two loans where you are the primary applicant, you’ll get only one cashback payment. It also means if you have received a cashback payment from ANZ in the previous 12 months, you will not be eligible for this offer.

Check in with our terms and conditions for more info.

This offer can go with: an ANZ Standard Variable Rate Loan; an ANZ Fixed Rate Loan; an ANZ Simplicity PLUS Loan; an ANZ home loan that allows you to progressively draw down for the purchase and/or construction of a property or home; or an ANZ bridging loan.

Some loans are excluded, including an ANZ Equity Manager home loan or other line of credit product.

Check out our terms and conditions for all of the eligibility criteria.

If the switch is a success, you’ll receive the cash no later than 60 days after the date the home loan is drawn down.

We’ll pop it into your eligible ANZ bank account, like an ANZ Offset, ANZ Access Advantage or ANZ Progress Saver account.

No ANZ account? No worries. We can help you open up an eligible ANZ account to receive the cash.

Yep. If you want to bundle more with us, our Breakfree package is a great way to savedisclaimer. Chat to us or your ANZ accredited broker to learn a little more.

Yes, our fantastic broker network is here to help. Plus, they’ll help you find a great home loan to match.

See the full Terms and Conditions (PDF 55kb) 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.

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.

Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

Interest rate current as at  and subject to change. Rate incorporates a Breakfree discount of on the ANZ 2 year Fixed Home Loan Rate and applies to eligible owner occupied loans linked to the Breakfree package. ANZ Breakfree discounts and benefits apply only while the customer maintains the package and meets ongoing eligibility criteria.

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* Annual package fee currently $395 and subject to change. Eligibility criteria and terms and conditions apply, including a minimum total mortgage lending requirement of $150,000. See ANZ Breakfree Terms and Conditions for details. ANZ Breakfree package benefits only apply while you maintain the package and meet ongoing eligibility criteria. Terms and conditions and fees and charges apply to products and services taken out in connection with an ANZ Breakfree package.

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Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. 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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Interest rates shown on this page are current as at  and are subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB)ANZ Personal Banking General Fees and Charges (PDF 155kB) and your letter of offer.

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Terms and Conditions and eligibility criteria apply to ANZ Redraw. ANZ Redraw is not available on loans in a company name. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF 412kB).

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For ANZ Fixed Rate loans, you can make early or additional repayments up to a set available tolerance amount (the lesser of 5% of the loan amount at the start of the current fixed rate period or $5,000) each year of the fixed rate period, without triggering an Early Repayment Cost.  An Early Repayment Cost may be incurred if, during the fixed rate period, the available tolerance amount is exceeded, the loan is fully repaid or refinanced, or ANZ agrees to change the interest rate at your request. Please be aware that Early Repayment Costs can be very large. Terms and Conditions apply please refer to the ANZ Consumer Lending Terms and Conditions (PDF 296kB) and ANZ Fixed Rate Loans - What happens if you repay some or all of it early? (PDF 140kB). Alternatively please visit any ANZ branch or phone the Home Loan Hotline on 1800 035 500, 8:00am to 8:00pm (AEST), Monday to Friday, 8:00am to 6:00pm (AEST) Saturdays and Sundays.

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When we approve an application by you to renegotiate or convert your loan/facility, we may charge either a Renegotiation Fee or a further Loan Approval Fee / Facility Approval Fee. The Renegotiation Fee is $200, except in the cases below, where it is $350.

  • There is a change to the borrowers or guarantors, the term or amount of the loan/facility or the security provided for the loan/facility.
  • Repayments are changing to interest-only repayments, an interest only period is being extended or there is a change from interest in arrears to interest in advance or vice versa.
  • Two or more loans are being combined into a single loan.
  • A loan is converted to a facility or vice versa.
  • A Lenders Mortgage Insurance premium would become payable as a result of the change.
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The rate shown is the Simplicity PLUS Home 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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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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Offers can be withdrawn or changed at any time. Customers must request waiver or refund of Loan Approval Fee or any Renegotiation Fee, this will not be automatically applied. In some instances customer may receive refund instead of waiver of loan approval fee or any renegotiation fee.

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If you take out a $250,000 ANZ Standard Variable Home Loan with a  interest rate discount and fee waivers under the ANZ Breakfree package.

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