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A home loan offer so good it can't last forever

Hurry, final days! Take out an eligible home loan over $300k and you could get the home, the points, plus the chance to win up to half a million dollarsdisclaimeroff your loan.

Switchers, investors, home buyers, this offer is open to all of you. Apply from 30 June to 31 August 2019 and settle by 31 January 2020. See FAQs and full terms and conditions below.


Final days! Offer ends 31 August 2019

Get 300,000 Qantas Pointsdisclaimer

For a limited time, the primary applicant on an eligible home loan over $300k can earn 300,000 Qantas Points. Nice.


Win up to $500,000 off your home loandisclaimer

Every borrower will also automatically go into the draw to be one of five people to win big...bow bow chick chicka chickaaahdisclaimer big. Ooh yeah.


And ripper rates

As if this offer couldn't get any better, check out these competitive interest rates for both fixed and variable home loans. Now we're talking.

How this offer works



Apply from 30 June to 31 August

Apply for a new eligible home loan with us directly or any ANZ accredited broker from 30 June to 31 August 2019.



Settle by 31 January 2020

Be approved and settle the loan (drawing down at least $300k) by 31 January 2020.



Get your points

After settlement you as the primary applicant can apply for the 300,000 Qantas Points. They'll land in your pocket within 90 days.



Drum roll please...

Then find out if you're one of five lucky winners by 18 February 2020.


Hello? Is it rates you're looking for?



The flexibility you need

fixed rate


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

Comparison ratedisclaimer



The certainty of fixed repayments

fixed rate


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

Comparison ratedisclaimer

What would you do with 300,000 Qantas Points?disclaimer

There's no need to imagine what you could do with 300,000 Qantas Points, because we can tell you:

  • Return flights for two people to New York Citydisclaimer
  • Fancy appliances for your homedisclaimer
  • A trip to Fiji plus six nights' accommodation for a family of fourdisclaimer

See what else 300,000 Qantas Points could get you

Did we mention all the perks of banking with ANZ?

Home loans are hard, we can help with the heavy lifting

  • Our expert mobile lenders will come to you when it suits you, even after hours and weekends
  • A wide broker network on your side to help you through the process

Get the bundled benefits of a big bank

  • You could save over $2,000disclaimer in the first year with an ANZ Breakfree home loan package.disclaimer Annual fee $395

Apply by 31 August, 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.

Let's talk about the juicy stuff


The draw is scheduled for 14 February 2020. And you thought we didn't have a romantic side. Each prize winner will be notified via email by 18 February 2020.

Congrats on living the mortgage-free dream. If your home loan is less than $500k, we will pay that loan out in full. You can use the remaining amount to pay down other eligible ANZ home loan(s) where you are also a named borrower. Remember if there are any outstanding amounts you owe ANZ, such as arrears or fees, the prize money gets used here first. You can’t put any remaining amounts into offset or redraw, or take them as cash, or pay off any other liabilities like credit cards or personal loans.

You sure are. Switchers, investors, first home buyers; come one, come all. 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, where would we be without our broker network? Yes, you’ll be eligible for the 300,000 Qantas Points and a chance to win up to $500k if you take out an eligible ANZ home loan with an accredited ANZ broker (and otherwise meet the terms and conditions (PDF 454kb)).

No Qantas Frequent Flyer membership, no dramas. After your home loan settlement, we’ll send the primary applicant for your loan an email with details on how to claim the 300,000 Qantas Points. If they’re not currently a Qantas Frequent Flyer member, details on how they can join (for freedisclaimer) will be in the same email.

Let’s get stuck into the nitty gritty for this very important question: after home loan settlement, we’ll send the primary applicant for your loan an email with details on how to apply for the 300,000 Qantas Points. Once we’ve successfully received a request (and checked it's eligible for the points), we'll try to credit them as soon as possible. Please allow up to 90 days for your points to land in your account. Don’t worry if you’re currently not a QFF member, details on how you can join will be in the same email.

Unfortunately not - you only get one chance to win and one set of 300,000 Qantas Frequent Flyer Points, 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 they've been credited to you). See Qantas Terms and Conditions for more details. 

Nope, the $500k prize can only be used to pay down eligible ANZ home loans. 

For you and this offer to be a match, you must take up one of the following products: ANZ Standard Variable Rate Loan, an ANZ Fixed Rate Loan or an ANZ Simplicity Plus Loan. However, you can put these in the unsuitable category: an ANZ home loan that allows you to progressively draw down (and which is not fully drawn down as at 31 January 2020); an ANZ Equity Manager home loan; additional lending under an existing ANZ home loan or; an ANZ home loan that is not in a personal name.

Great question, but no, you won't get the points unless you take out a new home loan with us. However, to say a very big thanks for being an ANZ home loan customer, if you hold an eligible ANZ home loan as at 30 June 2019, you could be one of seven lucky people who on 22 July 2019 will each win up to $500,000 off their ANZ home loan. [UPDATE] Breaking news: winners have been drawn and notified! In case you're interested, the seven golden tickets turned up in: Shortland, NSW; Epping, VIC; Jindalee, QLD; Wellard, WA; Morphett Vale, SA; Risdon Vale, TAS; and, Zuccoli, NT.

Another good question. The short answer is: if you’re an employee or contractor of ANZ or an entity associated with the promotion, or an immediate family member of one of those, you’ll be ineligible for the $500k prize. But don’t worry, if you meet the offer terms and conditions, you’ll still get the 300,000 Qantas Points.

See the full Terms and Conditions (PDF 454kb) for this offer. 

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the applicable Terms and Conditions and the ANZ Financial Services Guide (PDF, 104kB) before acquiring 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.

Only one 300,000 Qantas Points offer can be taken up and only by a primary loan applicant. Points credited within 90 days after valid points application lodged with ANZ following loan settlement. Fees, charges and eligibility criteria apply. Prize draw authorised under NSW LTPS/19/35327, ACT TP19/03540 & SA Licence No. T19/932. See full terms and conditions (PDF 454kb) for details. 

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The soundtrack to every big ANZ ad. Listen for yourself.

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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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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 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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A return Qantas Economy Classic Flight Reward from Sydney to New York is 110,400 Qantas Points plus $337.64 in taxes, fees and carrier charges. A return Qantas Economy Classic Flight Reward from Sydney to Fiji is 36,000 Qantas Points plus $300.34 in taxes, fees and carrier charges. Classic Flight Rewards are subject to availability. Classic Flight Reward seats are not available on some routes of oneworld® alliance and partner airlines and restrictions may apply. Qantas Points and taxes, fees and carrier charges are accurate as at 21 June 2019 but may vary at the time of booking. For more information visit Qantas Classic Flight Rewards. Terms and conditions apply for redeeming and earning Qantas Points by booking hotels on and for earning Qantas Points by booking on Airbnb. These terms and conditions exist in addition to specific terms and conditions of a hotel booking. View full terms and conditions.  

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You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points.  A joining fee may apply. The redemption of Qantas Points for Rewards is subject to the Qantas Frequent Flyer Terms and Conditions, Qantas Shopping Rewards Store Terms of Use, voucher Terms and Conditions and any other terms and conditions disclosed at the time of redemption. Visit the Qantas Shopping Rewards Store for details. The range of Rewards and Qantas Points required change from time to time and are available while stocks last.

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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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This joining fee waiver is available to ANZ customers who are participating in the 300,000 Qantas Points offer, who are not already Qantas Frequent Flyer members and who apply for membership online as part of the Qantas Points offer claim process. This offer is non-transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas.

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