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Top up your ANZ Home Loan

Whether you're renovating, landscaping, upgrading your insulation or heating, a top up on your ANZ Home Loan could be an easy way to borrow for what you need.

Benefits of a home loan top up

Top up options

ANZ Home Loan top up

For upgrades or improvements in and around your home.

This can be used for:

  • Renovations
  • Landscaping
  • General upgrades and maintenance.

It can help to use a renovation calculator before you apply, to understand how much you’ll need.

ANZ Good Energy Home Loan top up

At a fixed rate of % p.a. for 3 years, up to $80,000, an ANZ Good Energy Home Loan top up can be used to make your home and transport more energy efficient.

This can be used for things like:

  • A hybrid or electric vehicle
  • Heat pumps, insulation and glazing
  • Solar panels and solar batteries
  • Sustainable water upgrades.

It’s good for the planet and your pocket. Start your journey to a more energy efficient home.

How it works

If you already have a home loan with ANZ, you can apply to borrow more with a home loan top up. Chat to our team about how much you could borrow, choose the amount that suits your needs, and repay it through your regular home loan repayments.

How much you could borrow

The amount you could borrow will depend on a range of factors including:

  • The equity you have in your home
  • How much income you have available for the regular repayments

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


Apply for a home loan top up

From overseas: +64 4 470 3165

What happens next

Once you've submitted your application, we'll review your request and get in touch if we need any more information.

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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. For more information about ANZ’s financial advice service, see our Financial advice provider disclosure statement (PDF 44.6KB).