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Home loan fixed term ending

You can get more certainty by locking in a fixed rate up to 60 days before your fixed rate period ends—. We explain how you can restructure or re-fix your home loan to meet your needs in a changing environment.

A few things to consider when making your decision

Review your loan structure

We know circumstances change, and you may need to review your loan structure. View the summary of our different loan types to better understand your options.

Compare our different loan types

Setting your repayments

If possible, even small increases to your repayments could make a difference, and may mean less interest over the life of your loan.

Paying your home loan faster

Planning a renovation

You may be able to finance a renovation with a home loan top up. Use our Renovation Calculator to find out how much renovations may cost, based on some quick questions about your plans. Or talk to us today for more information.

Renovation calculator

Call an ANZ Home Loan Coach today.

How to re-fix or restructure your home loan

You can lock in a rate up to 60 days before your fixed rate period ends. To lock in a rate you’ll need to complete a Reserve Rate Agreement. If you cancel or change your Reserve Rate Agreement you may incur a Non-utilisation Recovery—.

Re-fix online

You can easily re-fix your home loan via ANZ Internet Banking or ANZ goMoney. Simply log in, click ‘Reserve a new fixed rate’ and follow the instructions to choose from our competitive rates.

Open Internet Banking

For more detailed instructions on how to re-fix a home loan rate, check out our how to guides.

Re-fix or restructure by phone

Call one of our specialist ANZ Home Loan Coaches (and have your customer number handy). They can help you re-fix or restructure your home loan to suit your circumstances – and help set your repayments. Call us to talk to a coach, or to book an appointment in branch.

0800 269 4663

If you don't do anything

If you don’t do anything before your fixed rate period ends, you’ll automatically switch to our floating rate. Remember, with a floating rate you can change your loan structure at any time in the future. Just call us on 0800 269 4663 and we’ll help you structure your loan to suit your needs.

Experiencing financial hardship

If you’re concerned about making your repayments, please reach out to us as soon as you can. We’re here to help – we’ll take time to understand your situation, work through your options and then discuss what they may mean for your home loan over the longer term. Call us on 0800 269 296. 

Work out your repayments

Find out how much your repayments might be depending on the loan amount, loan type and term.

Repayments calculator

Our Home Loan Check In

When it comes time to re-fix your home loan, an ANZ Home Loan Coach can help you structure your home loan to suit your circumstances with a Home Loan Check In. 

It’s free, there is no obligation, and it will only take about 15 minutes. Our coaches are happy to talk to you over the phone or in person, whatever suits you.  

Request a Home Loan Check In

Is it time to review your insurance too?

We know circumstances can change. You may want to check if your sum insured is still enough to rebuild your house to the same size or specification. Or whether your level of cover is right for your current debt level to help protect you and your family. We’ve partnered with insurance specialists who can offer you a range of options to suit your needs.

Important information

ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change.  

Our financial advice provider statement has some important information you should know about ANZ and our financial advice services. Please take the time to read it.