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How we're supporting our customers

We get that not all of you are in the same boat. Some don’t need any help, some need some help and some need a lifeboat. Wherever you're at, we’re here to help.

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Home loans

Credit cards

Insurance

ANZ Check-In

Personal loans

Everyday banking

Investing and super

Home loans

For those who need some help with managing their home loan, we have some options to consider before applying for COVID-19 (hardship) assistance:

  • Use other funds you may have available to continue making loan repayments (e.g. in your offset account or another transaction or savings account)
  • If you have available funds in redraw (being extra repayments you have made on your loan), ANZ can draw your repayments from those funds
  • Reduce your repayments to the minimum repayment amount (if you’re currently making higher repayments)
  • If you have a variable rate loan, redraw funds from your current home loan based on the extra repayments you have paid in the past (but the amount redrawn will be added to your loan balance and interest will be charged on that higher balance).disclaimer You can find more information about redraw here.

You may also be able to make changes to your loan.  For example, if you have a variable rate loan, you may be able to fix your rate for a period of timedisclaimer, or if you’re currently making principal and interest repayments, you may be able to change to making interest only payments for a period of time.

When considering different options, please keep in mind that some of them may result in you paying more interest over the life of your loan.

If these options are not available to you or are not suitable given your circumstances, you may want to apply for COVID-19 (hardship) assistance. You can defer your home loan repayments for up to 6 months and ANZ may check in with you after your repayments have been on hold for 3 months to see if you need further assistance. If that happens, interest will be capitalised on your home loandisclaimer

Find out more

Personal loans

There are a number of options to help you manage your personal loan during this time:

  • Use other funds you may have available to continue making loan repayments (e.g. in another transaction or savings account)
  • If you have available funds in redraw (being extra repayments you have made on your loan), ANZ can draw your repayments from those funds
  • Reduce your repayments to the minimum repayment amount (if you’re currently making higher repayments)
  • If you have a variable rate loan, redraw funds from your current personal loan based on the extra repayments you have paid in the past (but the amount redrawn will be added to your loan balance and interest will be charged on that higher balance).disclaimer You can find more information about redraw here

When considering different options, please keep in mind that some of them may result in you paying more interest over the life of your loan. 

If these options are not available to you or are not suitable given your circumstances, request a call back to discuss other assistance options that may be available to you.

Credit cards

If you're worried about managing your credit card, you should get in touch with us soon as you can. We could help you:

  • Transfer to a product with lower interest rates.
  • Lower your credit limit.
  • Set up direct payments to stay on top of things.

Learn more about managing your credit card

If you would like to discuss what other options may be available, request a call back.

Everyday banking

While we're social distancing, we don't want you to feel isolated. We're here to help you with your day to day banking, including:

  • If you need to take out an ANZ Visa Debit carddisclaimer on a new or existing eligible everyday account.
  • If you’re an ANZ Advanced Notice Term Deposit customer who needs to break their term early due to financial hardship.
  • If you need help with your ANZ Passbook account.

Find out more

Investing and super

There’s a lot of uncertainty about what the recent sharemarket volatility means for share investors and super members. We want to reassure you we’re here to help.

  • For articles about the sharemarket and answers to common questions including how to access your ANZ Share Investing account or investment lending account, visit our share investing learning centre.
  • For frequently asked questions and articles about how super balances are being affected by COVID-19 and whether you can access your super earlier due to financial hardship, visit our super learning centre.
  • If you’re considering accessing your super early, please read these frequently asked questions for more information before you call us

If you have further questions, please contact us.

Insurance

In these uncertain times, it’s important to know that you and your loved ones are protected.

For frequently asked questions and articles to help you understand what’s covered under life insurance, mortgage protection and income protection, visit our insurance learning centre.

If you have further questions, please contact us.

 

Your 2020 financial check in

Check in on your personal finances with practical tools, content and tips designed to help you feel a little more on top of things.

Find out more

More COVID-19 support

Get the latest on our COVID-19 response and learn what we’re doing to help you get back on top of things.

Return to COVID-19 support

Terms and Conditions and eligibility criteria apply to ANZ Redraw. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF 308kB).

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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.

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Capitalising interest means that unpaid interest continues to be added to the outstanding loan balance during the period that repayments are deferred. As a result, a customer’s loan balance will increase over that time and the customer may end up paying more interest over the life of the loan.

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Eligibility criteria apply to the issue of ANZ Access Visa Debit card. Fees may apply (for example, overseas transaction fees, overseas ATM transaction fees and non-ANZ operator fees). Please refer to the ANZ Personal Banking Account Fees and Charges (PDF 522kB) and ANZ Saving & Transaction Products Terms and Conditions (PDF 746kB) for details.

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