ANZ Flexible Home Loan

An ANZ Flexible Home Loan gives you access to credit when you need it.  You need to be financially disciplined, so if you're good at managing your money, an ANZ Flexible Home Loan can help you save on interest and repay your home loan sooner.

An ANZ Flexible Home Loan might suit you if you:

  • Are good at managing your money and don’t need the discipline of making regular, scheduled repayments.
  • Have irregular income and want the flexibility to make extra repayments or a lump sum payment at any time (e.g. if you get a bonus).
  • Want the flexibility to access credit (up to your credit limit) if you need it.
  • You’re comfortable knowing that your interest rate could fluctuate (either up or down).

Not sure which type of home loan is right for you? Compare mortgage options available to you.

ANZ Flexible Home Loan at a glance

What will my interest rate be?

It depends on the interest rates at the time you take out your loan and may change over time – check out our current interest rates.

What are the fees?

What’s the maximum loan term?

There’s no maximum, however we can ask you to repay your ANZ Flexible Home Loan or reduce your credit limit at any time.

How much can I borrow?

It depends on your deposit (or existing equity), the property you wish to purchase, the home loan type and other ANZ lending criteria.

Find out more about deposit options.

How often will my repayments be?

There’s no regular repayments as there are with fixed or floating rate loans. You simply deposit money into your account to reduce your loan balance.

Can I make extra repayments or repay the loan early?

You can make extra repayments or a lump sum payment at any time.

Can I split my home loan across different types of loans?

What documents will I need to provide?

It depends on your situation – see a list of documents you may need to provide when you apply for a home loan with ANZ.

Lending criteria, terms, conditions and fees apply.

This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you would like to speak to an ANZ Authorised Financial Adviser, please call 0800 269 296.

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