Fixed rate expiry process - Home loans

Fixed rate expiry process

When your fixed rate home loan expires, we follow three key steps:

We write to you

About 30 days before your fixed rate term is due to expire, we'll write to you asking you to contact us to discuss your options for your ANZ Fixed Rate Home Loan.

We phone you

If you don't respond to our letter, we'll phone you to discuss your options.

You can continue with another fixed rate term
You can split your loan into two or more fixed rate terms to spread your risk
You can change to a variable rate loan
You can make a lump sum payment on your loan without incurring any early repayment fees
You can top up your loan to achieve another goal, such as renovating.

You simply need to let us know what you'd like to do.

We action your decision

On the expiry date of your fixed rate, we'll change your loan to match your instructions and write to you to confirm we've done so.

More information

For more information or to apply for an ANZ Home Loan:

Contact an ANZ Mobile Mortgage Manager

Apply online

Call 0800 ANZ HOME (0800 269 4663)

Enquire online

Visit your nearest ANZ branch

Download an application form (PDF 640kB)

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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