ANZ Flexible Home Loan

This is a revolving credit facility on your everyday transactional account. If you’re good at managing your money, this option could help you minimise interest charges or repay your home loan sooner while giving you access to credit when you need it.

Flexible loan interest rate

Rate is unavailable


Interest rate subject to change.



  • This home loan is a revolving credit facility on your everyday transactional account, a bit like an overdraft.
  • You can pay money into it whenever you like and redraw it if you need to. 
  • You’re charged interest on the outstanding balance, but there are no set repayments as long as you stay within your credit limit. 
  • Interest rates can either go up or down in line with market changes.
  • It often has the highest interest rate and a monthly fee, but it offers the most flexibility.
  • $12.50 monthly account fee. Other fees and charges may apply.
  • No maximum loan term, however we can ask you to repay your ANZ Flexible Home Loan or reduce your credit limit at any time.

How an ANZ Flexible Home Loan works

ANZ has different loan types

Options are fixed rate, floating rate, or flexible home loans. Or combine different loan types to suit your needs. 

How to apply

From overseas: +64 4 470 3165



Important information

ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change. Read more about our Rates, fees and agreements.

This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296, or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see