ANZ makes it simpler and more convenient for our customers to purchase, refinance, or release equity on their Australian residential property for owner occupation or investment purposes.

  • Loan Currency in AUD - Interest rate savings may apply (when compared to domestic Australian rates).
  • Loan Currency in SGD - Interest rate savings may apply (when SGD rates are compared to domestic Australian rates).
  • No ongoing annual administrative fee.
  • Flexibility to partially or fully repay your loan on interest revision dates.

Important Note: Foreign Property Standard Terms & Conditions apply.

For New Purchase/Refinancing of Standard Residential Property in AUD currency
Interest Interest Only for first 5 years
Rate Signature Priority
Banking Clients
Personal Banking Clients
Year 1 to 5 3M AUD COF1 + 1.65% 3M AUD COF1 + 1.75%
Thereafter 3M AUD COF1 + 1.40% 3M AUD COF1 + 1.50%
For New Purchase/Refinancing of Standard Residential Property in AUD currency
Interest Principal and Interest Repayment
Rate Signature Priority
Banking Clients
Personal Banking Clients
Year 1 3M AUD COF1 + 1.25% 3M AUD COF1 + 1.35%
Thereafter 3M AUD COF1 + 1.25% 3M AUD COF1 + 1.35%
For New Purchase/Refinancing of Standard Residential Property in SGD currency
Interest Principal and Interest Repayment
Rate Signature Priority
Banking Clients
Personal Banking Clients
Year 1 3M SGD COF2 + 1.50% 3M SGD COF2 + 1.60%
Thereafter 3M SGD COF2 + 1.50% 3M SGD COF2 + 1.60%

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1 3M AUD COF refers to ANZ's Cost of Funds for 3-month Australian Dollars on the first business day of the month. In the event where ANZ's Cost of Funds for 3-month Australian Dollars is not available, the Bank may in the alternative substitute the 3-month AUD COF with such other rate as the Bank may determine to be reasonable. In the event that the 3-month AUD COF falls below 0.10%, the Bank shall use 0.10% as the 3-month AUD COF in its computation of interest for the relevant period.

2 3M SGD COF refers to ANZ's Cost of Funds for 3-month Singapore Dollars on the first business day of the month. In the event where ANZ's Cost of Funds for 3-month Singapore Dollars is not available, the Bank may in the alternative substitute the 3-month SGD COF with such other rate as the Bank may determine to be reasonable. In the event that the 3-month SGD COF falls below 0.10%, the Bank shall use 0.10% as the 3-month SGD COF in its computation of interest for the relevant period.

Important Note: Foreign Property Standard Terms & Conditions apply.

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What loan currencies and criteria are available?
Loan Currency AUD SGD
Minimum Loan amount From AUD300,000 From SGD equivalent of AUD300,000
Loan to Valuation Ratio (LVR) Up to 80% Up to 70%
Interest Rate AUD 3-month Cost of Funds plus a margin SGD 3-month Cost of Funds plus a margin
Loan Tenure Minimum of 5 years and maximum of 30 years, subject to age of borrower not exceeding 70 years at loan maturity.
Security Standard Residential Property (homes, townhouses, units and apartments greater than 50 sqm)
Monthly repayment options
  • Interest servicing up to 5 years followed by Principal and Interest
  • Principal and Interest
Principal and Interest
Risks Foreign Exchange Risks:
Where your income is different from the loan currency, please note that you may face foreign exchange risks as any fluctuation between the income currency and loan currency may adversely impact loan repayments.
Foreign Exchange Risks:
Where your loan currency is different from the property currency, please note that you may face foreign exchange risks as any depreciation in the property currency may adversely impact your loan and equity in the property.
Other fees
  • Valuation fee for the security property (fees will vary depending on property type).
  • Australian Government stamp duty & registration fees (fees vary depending on location of property).
Other requirements
  • Prior Australian government approval may be required for investors wishing to purchase properties in Australia.
  • Loan approval is subject to a satisfactory valuation report commissioned by an ANZ-approved Valuer.
  • An acceptable property insurance policy.

Important Note: Foreign Property Standard Terms & Conditions apply.

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