Home loan & mortgage questions

To apply for a loan: As long as we have sufficient information, we can usually approve your loan on the spot.

A fixed rate home loan is best suited to customers who prefer a repayment amount that does not fluctuate and who are unlikely to want to make large lump-sum payments within the fixed rate term.

A variable rate home loan will suit customers who often have extra funds available that they'd like to put towards their home loan. You can make additional payments any time you like.

A FlexiPlus home loan provides the convenience and power of an all-in-one home loan and transaction account. It provides the ability to draw funds up to an agreed limit at any time and make payments whenever you like for as much as you like.

For the best of all worlds, customers will often split their lending on a combination of the above products.

Find out more about our home loan products.

By putting some of your lending on fixed and some on variable, you can take advantage of the flexibility and security that both loan types offer.

The fixed portion of your home loan will offer you interest rate and repayment security for the fixed term. The variable portion of your loan will give you repayment flexibility. It is also possible to split your loan across two or more fixed terms.

Generally, a fixed rate home loan does not offer the same level of flexibility as a variable rate loan. Most variable rate home loans allow you to make additional payments at any time, without incurring additional costs. A fixed rate loan on the other hand restricts the amount of additional repayments you are able to make. 

In each year of your fixed interest rate period, you can make additional repayments of up to 5% of the loan amount at the start of the current fixed rate term or a maximum of $10,000, whichever is lesser, without incurring an early repayment fee. If your repayments exceed these limits, an early repayment fee may apply.

You can either call us on 0800 ANZ HOME (0800 269 4663) or drop in to your nearest ANZ branch and one of our home loan specialists will be happy to assist you with your query.

If you would like us to come to you, get in touch with an ANZ Mobile Mortgage Manager.

If your enquiry is specifically related to residential investments, you may like to talk to an ANZ Residential Investment Lending Specialist.

We can lend up to 90% of a property's value. Note that the maximum amount you can borrow depends on the property's location, the property type, the home loan type and other ANZ lending criteria.

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.