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ANZ 'Win up to $100,000 off your ANZ home loan' Prize Draw

Terms and Conditions

Information on how to enter the Prize Draw is set out under these Terms and Conditions. Entry into the Prize Draw (including accepting the Prize) constitutes acceptance of these Terms and Conditions.

  1. Entry in the Prize Draw is open to individuals who:
    1. are aged 18 years or above; and
    2. are a borrower under an Eligible ANZ Home Loan as recorded in ANZ's records at 11:59pm (NZDT) on Monday 16 December 2019.
  2. ANZ reserves the right at any time to disqualify any participant who participates in this Prize Draw, but who acts in a way which ANZ reasonably believes is fraudulent, misleading or deceptive.

    Failure by ANZ to enforce any of its rights at any stage does not constitute a waiver of those rights.

  3. An Eligible ANZ Home Loan:
    1. is an ANZ Home Loan on a floating or fixed interest rate or an ANZ Flexible Home Loan;
    2. has an outstanding balance;
    3. is secured by a mortgage or other security granted in favour of ANZ over a residential investment or owner occupied property; and
    4. is in the name of at least one individual borrower.
  4. Entry is limited to one entry per individual borrower (regardless of how many Eligible ANZ Home Loans are in the name of the individual borrower, whether individually or with others). If there is more than one individual borrower who is a borrower under an Eligible ANZ Home Loan, each individual borrower will receive one entry.

  5. The 'Prize' is up to NZ$100,000 paid off the total outstanding balance of the winning individual borrower's Eligible ANZ Home Loan(s).

  6. The Prize will be drawn and applied as follows:
    1. The first entry drawn that complies with these Terms and Conditions will win the Prize;
    2. The Prize Draw will take place by 25 January 2020, and the winner will be notified by email or telephone;
    3. Where relevant, the winner may choose which of their Eligible ANZ Home Loans they wish the Prize to be applied to;
    4. If three reasonable attempts to contact the winner have been made and they are not able to be contacted, at ANZ's sole discretion the Prize will be applied to the Eligible ANZ Home Loan(s) ANZ chooses.
  7. If some of the Prize remains unapplied (Unapplied Prize) and the outstanding balance of those loans totals less than the Unapplied Prize, the winner will not be entitled to any part of the Unapplied Prize not used to reduce the outstanding balance of those loans (whether in cash or otherwise). As a consequence, the value of the Prize received by a winner may be less than $100,000.

  8. A winner is not permitted to apply or take a Prize in a way which results in (or is designed to result in) the customer having a credit balance which may be transferred or redeemed for cash or ANZ otherwise being liable to pay an amount to that winner (or any other person). Further, any Prize amount applied to an ANZ Eligible Home Loan will not be available to any person as redraw.

  9. ANZ's decision is final and no correspondence will be entered into. The Prize is not transferable or exchangeable.

  10. ANZ may change, extend, amend or cancel the competition or these Terms and Conditions at any time.

  11. The information that you provide to enter this competition will be held by ANZ and will be used for the purposes of administering the Prize Draw. You have the right to access and request correction of this information.

  12. ANZ shall not be liable for any loss whatsoever (including but not limited to indirect or consequential loss) which is suffered in connection with the Prize Draw, the taking or using of the Prize, or any act or omission (whether negligent or not) of ANZ or any of their associated agencies, except for any liability which cannot be excluded by law.

  13. ANZ shall not be liable for any tax liability arising out of or in connection with the Prize payment. The winner's tax implications will differ depending on their personal circumstances and we recommend that an independent tax advisor is consulted.

  14. By claiming the Prize, the winner consents to ANZ making use of their name and/or photograph(s) for publicity purposes as determined by ANZ

  15. The Promoter is ANZ Bank New Zealand Limited.