ANZ home loans

Home loan customers at ANZ can contact the bank by phone, live chat with ANZ staff online to answer pressing queries or talk to a staff member face to face at a branch.

• Customer service (phone, email, branch)
• Mobile app
• Online banking
• Live Chat
• Mobile banking staff

Potential ANZ customers can apply for a home loan in several different ways, including by phone, online, visiting a branch or organising for an ANZ representative to come to you. 

Before applying for a home loan, it’s important to consider how much money you can afford to borrow and comfortably repay, given your financial situation and income. 

You will also need to provide documentation when applying for a home loan, including:

• Personal identification
• Proof of income (whether from an employer or self-employment)
• Information regarding your current debts, liabilities and assets.
• Personal insurance documents.

If you’re refinancing with ANZ, you’ll also have to provide home loan statements for the past three months for the loan you wish to refinance. 

ANZ home loans cater to a wide range of mortgage customers.

Home loans offered by ANZ include:

• Owner-occupier home loans
• Investor home loans
• Low-doc home loans
• Bridging loans
• Reverse mortgages

ANZ home loan borrowers can also choose from a range of interest rate options:

• Principal and interest
• Interest-only
• Fixed interest rate
• Variable interest rate
• Split loans (fixed and variable rates)

Borrowers who bundle their home loan with an ANZ transaction account and credit card may also be able to take advantage of interest rate discounts, waived fees and a range of other features.

Some ANZ home loans also come with introductory offers and interest rate discounts.

ANZ home loans have a maximum loan term of 30 years. Some loans allow unlimited extra repayments, while others allow extra repayments with restrictions.

ANZ home loan rates vary depending on the product but tend to range between moderately low and moderately high. As an established brand and one of Australia’s biggest banks, ANZ doesn’t have to undercut competitors with low rates, so interest rates tend to sit in the mid-range.

As is the case for many home lenders, ANZ generally offers lower interest rates to owner-occupiers than to investors, and borrowers making principal and interest payments tend to get lower interest rates than those making interest-only payments. Likewise, ANZ’s borrowers with lower LVRs (loan-to-value ratios) are generally offered lower interest rates than borrowers with higher LVRs.

ANZ also offers different interest rates depending on whether the borrower applies for a variable mortgage, a one-year fixed-rate mortgage, two-year fixed-rate mortgage, three-year fixed rate-mortgage or five-year fixed rate mortgage.

In a varied and ever-changing mortgage market, ANZ has the advantage of being established and well-known, so customers often see the bank as a reliable option for home loans.

As you might expect from one of the big four banks, ANZ offers home loans to suit a wide range of borrowers, ranging from basic owner-occupier home loans to more specialist loans, including reverse mortgages, bridging loans and others. It is worth noting that ANZ does not offer SMSF loans.

While ANZ offers convenience through its extensive network of branches and customer service options, it isn’t the cheapest option on the market for home loans. Interest rates tend to range from moderately low to moderately high, while its fees typically range from very low to high.