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Home Loans
Compare Investment
loans
Residential investment properties can be great for building wealth. They can provide security, capital growth and rental income. But every investor's circumstances are different. That's why ANZ has a wide range of award-winning investment loans to choose from, including:
- Simplicity PLUS - A simple home loan without the frills, low fees and a low ongoing variable rate.
- Variable Rate - Is designed to give you control and flexibility at a variable rate of interest.
- Fixed Rate - Provides peace of mind with repayment certainty, allowing you to lock-in an interest rate over a pre-determined period.
- Equity Manager - Offers the freedom of a line of credit, with an all-in-one home loan and everyday banking solution. Ideal for people who want to renovate or invest.
Also available is the ANZ Breakfree Home Buyers Package, ANZ's award-winning package that offers you great savings on home and investment loans, day-to-day banking accounts, credit cards and much more.
You might be thinking about investing in residential property for the first time, and considering using the equity you have in your family home. Perhaps you already have a number of investment properties. Whatever your circumstances, ANZ can help you choose the right ANZ investment loan so you have features that maximise your potential returns.
When selecting a home loan, it is important to consider the features you want in a loan. Some features you may want:
- Ability to make additional repayments to your loan, without extra charges.
- Ability to make repayments via direct debit, ATMs, Internet and phone banking services.
- 100% mortgage offset facility, allowing you to offset funds in an account against your home loan.
- Ability to redraw additional payments you have made to your loan (for eligible customers).
- Ability to restructure the loan further down the track.
ANZ offers residential investment loans that give you complete flexibility, and others that provide security when interest rates rise. Some of our investment loans are simple, others are fully featured.
The table below outlines the main features of our investment loans. Click on the name of each loan for more information.
This loan is also available in the name of a company or business entity. The property must be for the personal benefit of the directors of the company or beneficiaries of the trust. Taking a loan in a company name can provide a tax benefit, however please see your financial advisor before making a decision.
Compare ANZ Home Loans and Investment Loans
| Variable | Fixed | Equity | ||
|---|---|---|---|---|
| Simplicity PLUS | Variable Rate | Fixed Rate | Equity Manager | |
| Description | Low variable rate 'no frills loan' | Fully featured variable rate loan | Certainty of fixed interest repayments for fixed rate period | Flexible line of credit available for any personal, residential or investment purpose. |
| Interest rate (% p.a.) | 7.04 | 7.74 |
1 yr 5.99 10 yrs 7.99 |
7.74 |
| Comparison rate™ * (% p.a.) | 7.09 | 7.84 |
1 yr 7.61 10 yrs 8.04 |
Not available |
| Additional repayments |
 |
|
# |
|
| Loan Approval Fee | $600 | $600 | $600 | $600 |
| Loan Administration Charge | $0 | $5 per month | $10 per month (applies during fixed rate period) | $5 per month |
| Maximum loan amount of property value + | 90% | 90% | 90% | 90% |
| 100% Mortgage Offset ## |
 |
|
(1 yr fixed rate only) |
|
| Interest Only payments |
Up to 10 years |
Up to 10 years |
Up to 10 years |
|
| Redraw facility |
|
|
Only after fixed rate period |
|
Other Home Loan options
ANZ One is a transaction account with an optional cheque book which can be linked to most ANZ Home Loans and Residential Investment Loans, allowing the balance to be offset daily against your loan balance.
ANZ Lo Doc
Combines all the features of our ANZ Standard Variable and Fixed Rate Home Loans with a flexible application process. You can borrow up to 60% of the value of the secured property (subject to the property type and location). And you will not pay a premium on our current ANZ interest rates.
Allows you to access the equity in your home or investment property for personal or investment purposes. It is fully flexible and can be used for a variety of different purposes such as consolidating existing personal borrowings, purchasing shares or to finance other purchases, according to your needs.
You can pay interest up-front, which may provide taxation benefits, while the fixed rate provides certainty of repayments and safeguards you against increasing interest rates.
Loans in a company name
A range of loans designed for the purchase of a home or to invest in residential property, where the borrowing is in the name of a company or business entity.
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* This Comparison Rate is for a loan of $150,000 over 25 years.
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 Comparison Rate schedule is available at any ANZ branch.
# May incur Early Repayment or Deferred Establishment Costs and Fees.
## Minimum $5,000 to invoke offset with ANZ Home Loan Interest Saver Account.
+ A valuation fee may apply. Lenders Mortgage Insurance required if amount borrowed is more than 80% of the valuation of the security property.
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Copyright Australia and New Zealand Banking Group Limited (ANZ) 100 Queen Street, Melbourne 3000, ABN 11 005 357 522, 1996-2008.
ANZ's colour blue is a trade mark of ANZ. Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.
ANZ recommends you read the Product Disclosure Statement and the Financial Services Guide before acquiring the product.