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ANZ Standard Variable Rate - Home loans
ANZ Standard Variable Rate
An ANZ Standard Variable Rate Home Loan gives you all the flexibility you need in a home loan.
This loan is ideal if you often have extra cash you'd like to use to help pay it off.
However, the interest rate may change, so it may not suit you if you're on a tight budget or have other significant financial commitments.
Interest rates
Fees and charges
Maximum loan term
30 years
Maximum borrowing
Up to 80% of a property's value.1
Over 80% of the property's value in very exceptional circumstances.2
Repayment frequency
Option of weekly, fortnightly or monthly payments to suit your budget.3
Extra repayments
Yes.
You can make additional regular or one-off payments or repay the loan in full any time, without paying an early repayment fee.
Loan repayment holidays
You can apply to suspend your payments for up to three months every two years – although this is at ANZ's discretion.4
Redraw facility
Yes.
You can use ANZ Flexidraw to redraw any payments you’ve made above the minimum repayment amount.5
Split loan option
Available in conjunction with any ANZ home loan.
1. The maximum amount you can borrow depends on the property's location, the property type, the home loan type and other ANZ lending criteria.
2. A low equity premium on a graduated scale will apply (the fee range is 0.20% to 1.25% of loan amount) and a registered valuer's report is required.
3. Interest only on application.
4. Loan repayment holidays are not available on ANZ Flexiplus, interest only home loans or partially drawn down loans.
5. The minimum redraw amount is $1,000 and a redraw fee applies.
To apply for an ANZ Home Loan please bring the following when you meet an ANZ home loan specialist:
- proof of your income, eg. your latest payslip (unless your income is direct credited to an ANZ account)
- a Registered Valuer's Report if you have one.
If you're self employed:
- a copy of your last two years' balance sheets or annual accounts and tax returns.
If you don't bank with ANZ:
- three months of your latest main bank transaction statements
- evidence of your savings, eg. bank account statements.
If you're purchasing:
- your lawyer's name and address
- your signed sale and purchase agreement.
If you're building a home:
- a builder's quote or contract.
How to apply
For more information or to apply for an ANZ Standard Variable Rate Home Loan:
Call 0800 ANZ HOME (0800 269 4663)
ANZ lending criteria, terms and conditions and fees apply to all loans.
You can ask for more information, including full terms and conditions for all of ANZ's lending products and a current Disclosure Statement, published by ANZ National Bank Limited, at any ANZ branch.
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