ANZ Home Loan Products
ANZ Equity Manager
Homeowners can tap into their home’s equity and get up to 90% LVR with LMI, or 80% without it. Money can be used to refinance, or invest. Options include redraw, split loan, extra repayments, and choosing between interest only or principal and interest payments. This variable loan comes with a number options, including redraw, split loan, additional payments, and may be used for refinancing home loans.
ANZ Fixed Home Loan
You could refinance as much as 80% LVR, or 95% LVR with insurance with a 1 year fixed rate. Interest only payments can be made for up to 10 years. Options on this loan include an offset account (for 1 year only), split rate, and fixed interest. Use the money for refinancing home loans, or investment. Options include interest only or principal and interest payments, split loan, and an offset account.
ANZ Simplicity Plus
Getting a simple home loan like this one is designed to keep it simple and less expensive. It has the basics, low fees, and lets homeowners borrow up to 95% LVR with LMI, or 80% LVR without it. Options include redraw and split loan, and permits extra repayments.
ANZ Simplicity Plus (First Home Buyers)
New home buyers can use this loan to obtain their first property. New customers can borrow as much as 80% LVR, or 90% LVR with LMI. Options are limited to keep the fees down, but they include redraw and split loan, and payments can be made by principal and interest or interest only.
ANZ Standard Variable Home Loan
Borrowers can get this loan for up to 80% LVR and have 30 years to pay it back. Options include redraw, offset account, pick the loan repayment term, and interest only payments. Split loan option is available in variable or fixed rates.
ANZ Standard Variable Residential Investment Loan
Variable investment loans are available from ANZ, and borrowers can receive up to 80% LVR, or up to 90% LVR with LMI. It can be paid back as principal and interest or interest only for up to 10 years. Many options are available, including an offset account, redraw, split loan, fixed interest, and extra repayments.
ANZ Breakfree Package
The Breakfree Package enables owner-occupiers and investors to combine their accounts and loans together and get a lower variable interest rate. Up to 95% LVR can be borrowed with insurance. Package includes an offset account, redraw, split loan, fixed interest, and extra repayments as options.
About ANZ Refinancing
Things to Consider With ANZ Refinancing
- The features you want to enjoy as part of your ANZ refinancing loan package such as redraw abilities, fixed rates and extra payments.
- Credit cards and everyday transaction accounts both of these are available with some ANZ home loan products.
- Equity options If you have accrued equity in your current property, this may be used to your advantage. ANZ recommend speaking to a specialist regarding the equity options available and the benefits on offer.
- Fixed rate loan terms If you currently have a fixed term home loan and this is about to expire, then you may want to consider refinancing. An expired fixed rate loan will revert to a variable rate loan, and you may find yourself better off with a new loan product.