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Manage your home loan
Find everything you need to get the most out of your ANZ home loan. From managing your repayments to support when you need it, it's all here.
The information on this page does not apply to ANZ Plus products
How-to guide for the ANZ App and Internet Banking
Make online banking easier with our step-by-step guide (PDF). If you’re new to the ANZ App or ANZ Internet Banking, this is a great place to start.
Compare current and future estimated repayments
- Enter your current interest rate to see your approximate current repayments.
- Then add a new scenario and choose an ANZ rate from the drop down menu to see estimated repayments based on the new rate.
- Compare your current and estimated new repayments to see the difference.
Estimated repayments and repayment scenario comparisons are estimates only based on the loan amounts, loan types and loan terms selected. The comparisons are indicative estimates for illustrative purposes only and are based on current interest rates (which may change).
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.
The repayment calculator does not show all interest rates. Our home loan interest rates page shows all available rates, including special offers and discounts when borrowing 80% or less of the property value.
Your home loan options
Reduce your repayments to the minimum amount
If you’re currently paying more than the minimum repayment amount, you have the option to reduce your repayments to the minimum repayment amount via ANZ Internet Banking. Reducing your loan repayments may result in your loan being repaid at a slower rate, which may increase the amount of interest you pay over the term of the loan.
Fix or split your loan
If you'd like some more certainty about your repayment amounts, consider fixing your loan. Or split it into part variable, part fixed rate. Learn more about splitting your loan.
Offset your interest
If you have an eligible loan such as an ANZ Standard Variable loan or a one year ANZ Fixed loan, consider linking an ANZ One offset account to it (for a fee of $10 a month).disclaimer The more money you have in your linked offset account, the less interest you'll need to pay on your home loan. To maximise your savings even more, deposit your salary straight into your offset account.
Change how you make repayments
Small changes to how you make repayments can make a big difference to the interest you pay on your loan. Depending on your circumstances, switching from monthly to fortnightly or weekly repayments could help reduce your total interest charges. You can request to modify the frequency of repayments via ANZ Internet Banking.
Redraw if you're ahead
If you're ahead on your home loan repayments and you have an eligible loan, you may be able to access funds from the extra repayments made, or take a break from future scheduled repayments with ANZ Redraw.disclaimer
Refinance and consolidate debts
You might be able to use the equity in your property to consolidate any other debts you may have. Get an estimate of your equity, or book a free home-loan check-in to talk it through.
Switch to a lower rate home loan
Consider applying to switch to ANZ Simplicity PLUS, our basic variable-rate loan (no offset) that still gives you the flexibility to pay your loan off sooner.
Interest only repayments
You may wish to consider applying to switch from principal and interest repayments to interest only repayments for a period of time, if it’s suitable for you to do so and subject to credit approval. Keep in mind that making this change may increase the total interest you pay over the life of your loan.
Top up if you need to
You may be able to top up your existing variable rate loan, subject to credit approval. So, if you're looking to renovate, consolidate debts or buy a new car, you may be able to borrow additional funds against your existing home loan. Talk to us to explore your options.
Extend your loan term
Extending your loan term could lower your repayments. Talk to us to find out if this is an option for you. Keep in mind that making this change may increase the total interest you pay over the life of your loan.
How to close your home loan
Ready to pay off your ANZ home loan? Visit closing your ANZ home loan to find out how. Fees and charges may apply.
Paying off and closing your home loan does not automatically discharge any mortgage or security interest held or registered over your property or release any guarantor(s). To do this, you’ll need to submit a Discharge and Variation Authority form.
Free ANZ home loan check-in
Wondering if your home loan needs a tweak? Request a home loan check-in with one of our specialists to see if your home loan is still meeting your needs. It's a free, no obligation catchup that takes just 15 minutes.
Enquire about home loan repayment support
We all feel the cost of living in our own way, and home loan repayments are no exception. If you're worried about your next repayment, we may be able to help. Depending on your situation, this could include restructuring your home loan or setting up a repayment plan that better supports your needs.
Connect with our home loan specialists or apply
Our ANZ Home Loan Specialists can help you with a whole range of things, such as:
- Applying for a new home loan
- Refinancing a home loan
- Managing your existing loan
- Helping you understand your ANZ Home Loan options so you can make your next move with confidence
Get support in a number of ways:
Let us come back to you
Provide your details and one of our Home Loan Specialists will contact you via phone or email.
Response time is 1-3 days.
Make an appointment
Chat with one of our home loan specialists by phone, video call or in person at your nearest branch.
Call us now
With extended hours, you can get in touch with someone quickly.
Monday-Friday 8am-7pm (Sydney/Melbourne time)
Meet with an ANZ Mobile Lenderdisclaimer
ANZ Mobile Lenders will go the extra mile with the experience and knowledge to navigate all ANZ home loans. Enjoy the convenience of meeting wherever and whenever suits you best. ANZ Mobile Lenders are dedicated ANZ Home Loan Specialists who can provide personalised service where and when it suits you.
Start your application online
Kick things off online and an ANZ Home Loan Specialist will contact you to help with the remainder of the application process.
Talk to your broker
You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.
Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.
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 Terms and Conditions and Product Disclosure Statement, which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.
The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF) before acquiring any product.
Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply. Australian credit licence 234527.
The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
ANZ App for Android is only available on Google Play™. ANZ App for iPhone is only available from the App Store.
Apple, Apple Pay, Apple Watch, Face ID, iPad, iPhone and Touch ID are trade marks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play and the Google Play logo are trade marks of Google Inc.
A $10 servicing fee applies per month per ANZ One offset account. Please refer to ANZ Personal Banking Account Fees and Charges (PDF) for fees and charges that apply.
ReturnTerms 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).
ReturnANZ Mobile Lending representatives operate under an ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 Australian credit licence 234527.
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