Convenient banking

Whether you're buying, building or refinancing, ANZ has a home loan that's right for you.

• Fixed Rate Mortgate
• Adjustable Rate Mortgage
• USDA Guaranteed Rural Housing Community Development Loan
• Veterans Administration Guaranteed Loan
• Construction Loan
• Land Loan

Fixed Rate Mortgage

• Owner-occupied or owner-investor
• Maximum loan amount: $625,500
• Loan value: up to 95% financing depending on the loan purpose (restrictions apply)
• Terms up to 30 years
• No pre-payment penalty
• One to four family dwellings and approved condominiums and townhouses
• Secured by a first lien only.

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Adjustable Rate Mortgage

• Owner-occupied or owner-investor
• Maximum loan amount: $625,500
• Loan value: up to 95% financing depending on the loan purpose (restrictions apply) 
• Terms up to 30 years
• No pre-payment penalty
• One to four family dwellings and approved condominiums and townhouses
• Secured by a first lien only.

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USDA Guaranteed Rural Housing Community Development Loan

This mortgage facility will assist low to moderate income families, who have had no interest in real property in the last three years on Guam, to purchase a dwelling to be used as their primary residence.

• Fixed interest rate
• Term: 30 years
• Maximum loan to value: 102%
• Loan amount may include 100% of the purchase price, loan guaranty fee, closing cost, cost of repairs (if required), and basic appliances
• No pre-payment penalty
• Collateral must be located in rural areas
• One unit dwelling, approved condominiums and townhouses
• Loan is guaranteed by the USDA Rural Development
• Final approval is determined by the USDA Rural Development office in Guam.

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Veterans Administration Guaranteed Loan

This mortgage facility is to assist eligible veterans for a purchase to be used as their primary home, or to refinance an existing home loan to reduce the interest rate.

• Fixed interest rate
• Maximum loan amount: $625,500
• Maximum term: 30 years
• Maximum loan to value: 103.3%
• Loan amount may include 100% of the purchase price, cost for installation of energy efficient features, and VA funding fee (unless the veteran does not qualify for the loan amount requested or the purchase price is more than the reasonable value of the property as determined by VA)
• No pre-payment penalty
• One to four family dwellings and approved condominiums and townhouses; dwelling must be fully concrete
• Secured by a first lien only
• Loan is guaranteed by the VA
• Veterans must provide a VA Eligibility Certificate.

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Construction Loan

This mortgage facility will assist land owners to develop their land by constructing a home.

• Interim financing (construction) for a maximum of 12 months
• Maximum term: 30 years
• Interest-only payments during the interim financing based on incremental disbursement of construction funds
• Dual documentation (interim financing and permanent take-out)
• Maximum loan to value for interim financing: up to 80% of the construction cost or appraisal value whichever is lower
• Permanent take-out financing: up to 90% of the appraisal value to pay-off the existing construction loan and closing cost (restrictions apply)
• No pre-payment penalty
• Secured by a first lien only.

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Land Loan

A mortgage facility used to pay the outstanding balance under a land contract as either (1) a purchase transaction, or (2) a refinance transaction. 

• Terms up to five years with up to 25 year amortization
• Maximum loan value up to 80% depending on loan purpose (restrictions apply)
• No pre-payment penalty
• Secured by a first lien only.

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Apply now

Apply for an ANZ Home Loan by visiting your local ANZ branch or call +1 671 479 9000 to speak to an ANZ home loan specialist today.

All home loans subject to Bank credit underwriting criteria and final approval. Restrictions may apply for specific home loan programs.