ANZ Home Loans fees and charges

A low equity premium may apply where a loan amounts to over 85% of the property's value. A registered valuer's report will also be required for lending over 80% of the property's value.

ANZ charge this fee to recover the expected cost of assuming the increased risk associated with lending above 85% of a property's value and the costs incurred as a result of such lending.

ANZ may charge early repayment recovery if you choose to repay or restructure your ANZ Fixed Rate Home Loan during your fixed rate term as follows:

Early repayment recovery

An early repayment recovery based on the economic cost to ANZ of repaying or restructuring (in full or part) your ANZ Fixed Rate Home Loan as set out in your ANZ loan agreement.

ANZ won’t charge an early repayment recovery if the extra amount you repay in a year is no more than 5% of the principal amount that you owe on your home loan when it is repaid early, and you only make one extra repayment a year. The minimum you can repay is the lesser of $1,000 and the outstanding balance of the loan.

An early repayment administration fee of $100 applies for early repayment.

$250 – covers any of the following scenarios.

• Transfers of loans from personal name to Family Trust/Company.
• Transfers from joint to single loan ownership.
• Single loan owner adding a second person to the loan.