At a fixed rate of —% p.a. for 3 years, up to $50,000, an ANZ Reno Loan can be used for upgrades or improvements in and around your home. Minimum of 20% equity required.
This can be used for:
Fall in love with your home again and turn your renovation dreams into reality.
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:
It’s good for the planet and your pocket. Start your journey to a more energy efficient home.
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.
The amount you could borrow will depend on a range of factors including:
If you’re needing to borrow a higher amount than an ANZ Reno Loan or ANZ Good Energy Home Loan top up, contact us and our team will talk you through your options.
Once you've submitted your application, we'll review your request and get in touch if we need any more information.
Help protect yourself, your family and their future. Get two months’ free on life and income insurance premiums for eligible policies taken out by by 2 April 2026 with our partner Chubb Life.
The two months' free premiums are on new eligible cover. Life & Living policies must be applied for by 2 April 2026 and issued by 11 May 2026. Extended dates may apply to other eligible cover. See terms and conditions for full details.
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).
The ANZ Reno Loan is only available as a top-up to your ANZ Home Loan and only for eligible renovation purposes. Minimum loan $3,000 and a maximum of $50,000 lending is available per customer. You can only draw down once. If you borrow less than $50,000, you won’t be able to access the remaining amount later. Minimum 20% equity required for owner occupied properties, and minimum 30% equity required for residential investment properties. This offer is only available for a limited time only. After the special 3-year fixed rate, ANZ's Home Loan floating interest rate will apply. ANZ can withdraw the offer at any time. ANZ may apply discretion when assessing applications and reserves the right to decline applications or ask for more information if ANZ believes your intended purchase isn’t for the purposes of renovation.