ANZ

The ANZ website contains the following categories:

Home Loans

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ANZ Equity Manager simplifies your banking and saves you money on your loan by combining your savings, transaction and credit facilities into one account. It gives you night and day access to your funds via ATM, EFTPOS, cheque, ANZ Phone Banking or ANZ Internet Banking, and every dollar that you deposit into your facility immediately reduces your interest expense.

ANZ Equity Manager is a personal transaction account with a credit facility secured by a first registered mortgage over your residential property. The facility is available for personal purposes (eg: you can refinance existing loans, undertake home improvements, finance personal investments or purchase a car).
Standard Features
 Variable Rate 9.47% p.a.         Other Interest Rates
 Loan term No set term - this is an ongoing credit facility with a set limit
 Minimum amount $20,000
 Maximum amount 90% of the value (i.e. sworn or bank valuation) of the property offered as security
 Lenders Mortgage  Insurance Required if amount borrowed is more than 80% of the valuation of the security property
Key Features
 Repay loan early Yes – you have the freedom to repay your loan in full at any time. Fees and charges may apply (PDF, 388kb).
 Make additional  repayments Yes – you can make additional repayments at any time, which means you can pay off your facility faster and save on interest
 Repayment frequency No set schedule
 Repay and borrow again You can repay the outstanding balance, then borrow up to your credit limit again without re-applying
 Access to funds Cheque, ANZ Branch, ANZ Phone Banking, ANZ Internet Banking, ANZ ATM, Periodical Payments, EFTPOS and BPAY®
Fees, Charges and Discounts
 Loan Approval Fee
 (LAF)		 $500
A Valuation Administration Fee may apply (PDF, 388kb).
 Discounts Yes – on your Loan Approval Fee (maximum $100):

At least one of the following = $100 discount:

  • Periodical Payment from an ANZ account for loan repayment, or
  • salary credited to an ANZ account, or
  • ANZ credit card holder.

Purchase one of the following insurance products = $100 discount:

  • ANZ Mortgage Protection Insurance, or
  • ANZ Home Insurance, or
  • ANZ Residential Investment Property Insurance.
 Additional Withdrawal  Fee 20 free ANZ withdrawals per month (includes maximum of five staff assisted)*
Staff assisted / Over the counter – $2.50
Self Service – ANZ ATM/Cheque – .50c
EFTPOS, Phone Banking – .50c
Internet Banking – free
 Credit Facility Fee $150 per annum

Help me calculate...
How much can I borrow
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  6 ways to apply for a home loan		  
  6 steps to buying a home
 





* Bank fees, balance inquiries, Government charges, periodical payments, direct debits and transactions at non-ANZ ATMs are not counted towards the free withdrawal limit. Terms and conditions available on application. Fees and charges apply.

® BPAY is registered to BPAY Pty Ltd ABN 69 079 137 518

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