Home loan rates, fees and agreements


Rates

The following information is current from loading product data(View current rates) and is subject to change. You should seek confirmation of interest rates from ANZ before you take out any home loan.

ANZ lending criteria, terms, conditions and fees apply. Interest rates are subject to change.

Interest Rates
Type Term Special interest rate * Standard interest rate
Fixed rates 6 months loading product data(View current rates) * loading product data(View current rates)
  1 year loading product data(View current rates) * loading product data(View current rates)
  18 months loading product data(View current rates) * loading product data(View current rates)
  2 years loading product data(View current rates) * loading product data(View current rates)
  3 years loading product data(View current rates) * loading product data(View current rates)
  4 years loading product data(View current rates) * loading product data(View current rates)
  5 years loading product data(View current rates) * loading product data(View current rates)

The above rates may be in the process of changing and thus may vary for existing customers.

If you do not pay amounts when they are due, we can charge you interest on those amounts at the default interest rate, which is your interest rate + 5% p.a.

* Special interest rate conditions
Minimum 20% equity, ANZ transaction account with salary direct credited plus one other product. Not available with package discounts. Otherwise, standard rate applies.

Type Term Rate
Floating rate N/A loading product data(View current rates)

Rate does not apply to package discounts including ANZ Select and ANZ Select Plus. This is not a full list of rates, if your rate is not listed above please contact ANZ.

If you do not pay amounts when they are due, we can charge you interest on those amounts at the default interest rate, which is your interest rate + 5% p.a.

Type Term Rate
Flexible rate N/A loading product data(View current rates)

Rate may differ for existing ANZ customers. Please contact any branch of ANZ for further information.

If you do not pay amounts when they are due, we can charge you interest on those amounts at the default interest rate, which is your interest rate + 5% p.a.

If you go over your credit limit, we can charge you interest on those amounts at the excess interest rate, which is your interest rate + 15% p.a.. A low equity premium may apply.


Fees

The following information is current as at 3 June 2015 and subject to change.

Loan application fee
Loan top up fee
Low Equity Premium (LEP)
ANZ Flexible Home Loan Fees
Early repayment recovery for ANZ Fixed Rate Home Loans
Early repayment administration fee
Security transfer or redocumentation fee
Security and other fees
Duplicate Statement Fee
ANZ lending criteria, terms and conditions and fees apply to all loans.

Agreements

(You'll get these Terms and Conditions if you're getting an ANZ Home Loan and an ANZ Flexible Home Loan at the same time).

Effective 6 June 2015
Effective 6 June 2015

 

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