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Home Loans

ANZ Variable Rate Residential Investment Loan print this page email to a friend
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The ANZ Variable Rate Residential Investment Loan is designed to give you full flexibility and value. It comes with a number of features that can help accommodate changes in your circumstances and help save you money.
Standard Features
 Variable Rate 9.62% p.a.         Other Interest Rates
 Magnifying GlassComparison Rate™ * 9.73% p.a.
 Loan term Maximum 30 years
 Minimum amount $20,000
 Maximum amount 95% of the valuation of the security property
 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 loan faster and save interest
 Loan Administration
 Charge		 Yes
 100% Mortgage Offset Yes - this mortgage offset account makes the most of your available funds to reduce interest costs and shorten the term of your loan:
 Redraw facility Yes - Redraw allows you to access any additional loan payments you have made
 Ability to split loan Yes - Find out more
 Draw down loan
 progressively		 Yes - over periods up to 12 months. Fees and charges apply (PDF, 388kb).
 Repayment Holiday Yes - Find out more
 Interest only payments Yes up to 10 years
Minimise your repayments and free up cash by paying interest-only
 Reduced fees on  personal transaction  account** Yes - you will not pay account servicing fees or additional withdrawal fees on your linked ANZ Access Advantage account
 Bonus reward points Yes - if you have an ANZ Frequent Flyer Visa or an ANZ Rewards Visa you are entitled to 7,500 bonus reward points when you pay the full Loan Approval Fee
 ANZ Assured $1,000 ANZ Assured facility on an ANZ One Cheque or savings account linked to the loan (subject to ANZ approval)
 Vacant land - loan term Yes - land can remain vacant for 12 months and repayments can be calculated over a maximum of 30 years
Fees, Charges and Discounts
 Loan Approval Fee
 (LAF)		 $600
 Redraw fee Nil redraw fee, $2,000 minimum redraw (additional conditions apply)
 Converting or  renegotiating Find out more
For full details of all fees and charges refer to Personal Banking General Fees and Charges (PDF, 168kb)
View other fact sheets
Variable Rate
Fixed Rate
Interest in Advance
Simplicity PLUS
Supplementary Loan
Land Loan

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ANZ. Home Loan Lender of the Year, again. Money magazine's Home Loan Lender of the Year 2007, 2006 and 2005. Personal Investor magazine's Home Lender of the Year 1999-2002, 2004 and 2005.

* Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.

WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

A copy of the Comparison Rate Schedule is available at any ANZ branch or view it online ANZ Comparison Rate Schedule (PDF, 72kb).

Terms and conditions available on application. Fees and charges apply.

** Non-ANZ ATM Fees apply, salary must be deposited to the account to obtain the waiver.

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