Manage your ANZ home loan
We know unexpected events can happen and your circumstances can change. So, you may need to review your loan's structure from time to time. Below is some information that could help you make your home loan work best for you.
Managing your home loan and finances
Here are some options and resources that could help you manage your loan.
Take years off your mortgage
Have a chance each month to win $100k towards your home loan with ANZ until 30 September 2025. If you have an ANZ home loan, you’re automatically in the monthly draw.
Eligibility criteria, terms and conditions, and some exclusions apply. For details, see our competition terms and conditions.
Managing your home loan in a changing economy
In this article we’ll look at strategies you could use to manage a home loan in both good times, and not so good times.
Financial wellbeing webinars
Free webinars to learn about planning your spend, managing debt, setting savings goals and protecting your future.
ANZ Good Energy Home Loan
The new ANZ Good Energy Home Loan top up has a great low rate of —% p.a. fixed for three years, up to $80,000—, to help you make eligible energy efficient upgrades to your home. Good for the planet, and for your pocket.
Ways we may be able to offer financial support
If you find your circumstances have changed and you’re experiencing financial challenges, there are options we can explore that may help relieve the pressure.
If you'd like to discuss the options below and find out whether they could help you, then please reach out to us as soon as possible. We're here to help and ready to talk.
Reducing your home loan repayments
You may be able to extend your home loan term or switch to interest only repayments for a period of time. We can talk you through these options, whether they're suitable for you and what they may mean over the longer term. Our lending criteria apply.
We don’t charge a fee to restructure loans, however, we may charge an Early Repayment Recovery if you ask to change your loan during a fixed-rate period. This is the amount we may need to charge to cover any losses, as we give you a fixed interest rate on the basis you won't make any changes to your loan during the fixed-rate period.
Work out your repayments
Find out how much your repayments might be depending on the loan amount, loan type and term.
Topping up your home loan
If you need some extra funds to help get you through a challenging period, you may be able to apply to top up your existing home loan. We’ll need to check any new lending is both suitable and affordable for you, and our lending criteria apply.
Credit cards, personal loans and overdrafts
We may be able to find ways to lower repayments and avoid additional fees.
If you’re struggling to keep up with your credit card, personal loan or overdraft, talk to us early. We may have options that can help.
For example, we can check that you are on the lowest rate credit card, help consolidate multiple debts into one or we may be able to make changes to your loan.
This could include extending the term on a personal loan to reduce scheduled repayments.
Financial hardship
We understand that things don’t always go to plan, and circumstances can change. Our dedicated financial wellbeing team can work with you and provide information and support that may help you get back on track. Find out how we can help if you’re experiencing a hardship event (e.g. loss of job, illness, a relationship breakdown).
Talk to an ANZ Home Loan Coach
ANZ Home Loan Coaches can help you set up or restructure your home loan to suit your circumstances.
Call us today or book an appointment in branch with an ANZ Home Loan Coach.
Practical support and tools
Talk to us today
If you’d like to discuss your situation and how we may be able to assist, please get in contact.
From overseas: +64 4 470 3142
Important information
ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change.
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 anz.co.nz/fapdisclosure