Interest rates are subject to change. To get this rate you must have a minimum of 20% equity, an ANZ transaction account with salary direct credited, plus one other ANZ product. Otherwise standard interest rates apply. This rate is not available with any package discounts. Cash contribution only available on new home loans fully approved by 20 December 2018 – must be $200,000+ with new residential security provided, and is conditional on you maintaining all your banking and home lending with ANZ for three years. Lending criteria, terms, conditions, and fees apply.