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ANZ Breakfree home loan package - Home loans

ANZ Breakfree home loan package

ANZ Breakfree is a home loan package that offers you great savings and benefits on ANZ home and investment loans, ANZ everyday banking accounts, ANZ credit cards and much more*.

Note: Eligibility criteria apply in order to obtain membership of ANZ Breakfree.

ANZ Breakfree benefits

You can begin with the following three specific ANZ products with the flexibility to add more at any time, so you can start enjoying a host of benefits and savings:
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  • an ANZ Mortgage account
  • an ANZ Everyday Banking account
  • an ANZ Credit Card account.

One of our dedicated mortgage experts will help you build the right package to suit your needs.

How much could I save with ANZ Breakfree?
Here is an example of the savings you could enjoy with an ANZ Breakfree package. What you actually save will depend on your specific package.
Benefit Saving (year one) Saving (year two onwards)
0.60% p.a discount on $250,000 ANZ Standard Variable Rate Home Loan $1,500 $1,500
No loan approval fee on an ANZ Standard Variable Rate Home Loan $600  
No monthly loan administration charge on an ANZ Standard Variable Rate Home Loan $60 $60
No monthly account service fee on an ANZ One offset account^ $120 $120
No annual account fee on an ANZ Frequent Flyer Gold credit card $95 $95
Saving $2,375 $1,775
Less ANZ Breakfree annual fee -$340 -$340 p.a
Total saving $2,035 $1,435

This table provides examples of savings which could be obtained on a particular mix of ANZ products under the ANZ Breakfree package. This example is for illustrative purposes only and assumes the following:

  • standard variable interest rate 6.31% p.a.
  • standard variable interest rate discounted by 0.60%
  • term of ANZ Standard Variable Rate Home Loan 30 years with interest only repayments in first and second years
  • no change to standard variable interest rate during loan term
  • minimum contracted repayments are made on scheduled repayment dates through the life of the Standard Variable Rate Home Loan
  • no additional repayments made.

This example does not include other fees that may be payable on the ANZ Standard Variable Rate Home Loan.

The ANZ Breakfree package can also offer you:

Product Benefit Qualifier
ANZ Standard Variable Rate Loans
  • 0.50% p.a interest rate discount


  • 0.60% p.a interest rate discount


  • 0.70% p.a interest rate discount 

 

  • Individual lending $150,000-$249,999
  • Individual or combined lending $250,000-$699,999
  • Individual or combined lending $700,000 or greater
ANZ Equity Manager
  • 0.50% p.a interest rate discount


  • 0.60% p.a interest rate discount

 

  • Individual lending $150,000-$249,999
  • Individual or combined lending $250,000 or greater

ANZ Standard Variable Rate Loans

ANZ Fixed Rate Loans

ANZ Equity Manager

ANZ Money Saver Loans*

ANZ Easy Start Loans*

* No longer offered

Fees waived:

  • Loan approval fee (up to five loans)
  • Valuation administration fee (three waivers per package p.a)
  • Renegotiation fee (one waiver per package p.a)
  • Loan administration charge
  • Credit facility fee
 
ANZ Variable Rate Personal Loan
  • 0.50% interest rate discount
  • No loan approval fee
  • No loan administration charge
 
ANZ Car Loan No establishment fee  

ANZ Access Advantage

ANZ One

  • No monthly account service fee
  • Unlimited ANZ transactions

(Non-ANZ ATM fees still apply)

 
ANZ Assured No credit facility fee Facility limit of $1,000 on either ANZ Access Advantage or ANZ One
ANZ Progress Saver Bonus interest rate Rates depend on amount held in deposit.

Eligible ANZ credit cards

( Note: the Rewards Program Services Fee will still apply on applicable credit card accounts)

Only certain credit card types are eligible for ANZ Breakfree package.
Telegraphic transfers and drafts 50% discount on the purchase fee for those sent overseas from an ANZ branch  

ANZ Home Insurance

ANZ Landlord Insurance

13 months cover for the price of 12 months in the first year of your policy  
ANZ Mortgage Protection 10% premium discount  
ANZ Car Insurance 5% premium discount in the first year of your policy  
ANZ Health Insurance
  • One month’s premium waived in your first year of joining ANZ Health Insurance
  • 5% p.a premium discount from the second year onwards
New ANZ Health Insurance members only

ANZ Margin Loan standard or diversified (also known as an ANZ Margin Lending facility)

ANZ E*TRADE Share Investment Loan (also known as an ANZ Margin Lending Facility)

ANZ Regular Geared Savings Plan (also known as ANZ Margin Lending Regular Geared Savings Plan facility)

0.35% p.a rate discount off standard variable rate
  • Minimum loan amount of $20,000 for ANZ Margin Loan and ANZ E*TRADE Share Investment Loan
  • Minimum loan amount of $5,000 for ANZ Margin Lending Regular Geared Savings Plan
ANZ Financial Planning Receive a no obligation consultation with a ANZ Financial Planner  

Terms and conditions apply

It is important to consider the following with ANZ Breakfree:

  1. Refer to the Breakfree terms and conditions for minimum lending requirements.
  2. Whilst there are no hidden or monthly ANZ account services fees on ANZ Access Advantage or ANZ One offset facility, non-ANZ ATM fees still apply.
  3. Only certain credit card types are eligible for the ANZ Breakfree package. The Rewards Program Services Fee will still apply on applicable credit card accounts.
  4. ANZ Offset accounts can only be linked to certain loan types. Visit the ANZ Offset account page for further information.
  5. This web content 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 applicable Product Disclosure Statement, policy document, or terms and conditions, which are available by calling 13 13 14, TTY 1300 366 255 or visiting your local ANZ branch before acquiring a product.

Insurance

ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance are co-issued by ING General Insurance Pty Limited ABN 56 072 892 365 AFSL 288160 (ING GI) and QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 (QBE).

ANZ Health Insurance is issued by BUPA Australia Health Pty Ltd. ABN 50 003 098 655, a Registered Health Benefits organisation.

ANZ Mortgage Protection is issued by ING Life Limited ABN 33 009 657 176 (ING Life) and QBE Insurance (Australia) Limited ABN 78 003 191 035 (QBE). ING Life insures the Life benefit; QBE insures the Disability benefit. ING Life is a wholly owned subsidiary of ING Australia Limited, ABN 60 000 000 779 (INGA), which is jointly owned by ING Group and ANZ.

In arranging these insurances, ANZ is acting under an authority given to it by the insurers and in doing so is acting on behalf of the insurers and not as your agent. ANZ, INGA and their related corporations, including ING Bank (Australia) Limited ABN 24 000 893 292 (ING Bank), do not accept any liability for, or guarantee benefits, in respect of these insurance products except that ING Life guarantees payment of any life benefits specifically provided for under ANZ Mortgage Protection.

For the purposes of calculating discounts on ANZ Car Insurance, bank and government charges may be excluded in calculating the amount of premiums.

ANZ Car Loans are provided by Esanda Finance Corporation Limited ABN 64 004 346 043, a wholly owned subsidiary of ANZ.

Other notices

ANZ Financial Planners are representatives of Australia and New Zealand Banking Group Limited ABN 11 005 357 522, the holder of an Australian Financial Services Licence.

Information on this webpage does not form part of the Terms and Conditions of any loans or other facilities. ANZ Breakfree Benefits are not available in conjunction with any other special offers or discounts.

Apply online icon Apply online for the ANZ Breakfree package

Telephone icon Call 13 33 12

Visit branch icon Visit your nearest branch and talk to one of our mortgage advisors.

Ways to apply for a home loan

Telephone iconCall us direct on 1800 100 641

*  CANNEX Money magazine's Home Loan Lender of the Year 2008, 2007, 2006, 2005. CANNEX Personal Investor magazine's Home Lender of the Year 2005, 2004, 2002, 2001, 2000, 1999.

** Refer to the Breakfree terms and conditions for minimum lending requirements.

^ Non-ANZ ATM fees still apply

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