Home equity loans

Use the value of your home to access funds

When you have put so much into your own property, you should be able to get more out of it. For people with substantial equity in their own property, an ANZ Home Equity Loan may help you borrow against the market value of your property to use the funds for any purpose your needs. It could be to pay for education, settle health-care bills or purchase a new car. Every loan will be different based on the equity in your property, so talk to us today to find out more.

Features at a glance

• Attractive interest rate
• Loan terms up to 5 years
• Loan value up to  50% of your property value
• Transparent market valuation of your property (conducted by a professional property valuation company)
• Flexible interest periods (1-month, 3-months, 6-months) enabling you to manage better interest rate risk

Fast and simple application process

• ANZ loan application form
• Identification (ID card /Passport, Household registration book, Marital Status Certificate)
• Evidence of income (personal and/or businesses)
• Mortgage ownership certificate
• Proof of loan purpose

Contact us Now

• Visit  your nearest ANZ branch and meet our ANZ Consumer Lending Manager (See list of our branch office addresses)
• Call 1800 1559 to ask for ANZ Mobile Banking Managers to serve you anytime anywhere at your convenience ( Free of Charge)
• ANZ Contact Center: 1800 1559 (24h/7days – free of charge)
• Download the Home Loans/Home Construction & Renovation Loans and Home Equity Loans Brochure (PDF 126kB)

Common questions about ANZ Home equity loans

Q How much can I borrow?
A How much you can borrow is based on your individual circumstances (such as your income, financial commitments, current savings and credit history). With an ANZ Home equity loan, you can borrow up to 50% of the value of your property.

Q What documentation do I need?
A You will need to provide documents to prove your identity, income, security and purpose.

• Identification (ID card /Passport, Household registration book, Marital Status Certificate or Single Status Certificate)
• Evidence of income: personal and/or business income
• Security: Property ownership title (red/pink book or sales & purchase contract).

Q Are there any fees?
A Certain fees may be applicable such as: a Loan Approval Valuation Fee to inspect the property (by a third party valuation company) or a Notary Public Fee. Ask ANZ for more details.

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