There are many ways we can help you reduce the cost of your home loan.

Paying fortnightly versus monthly

By paying half the monthly repayment amount fortnightly, you are making additional repayments, shortening the life of your loan. This is easy to do when you schedule your payment with your pay cycle.

Benefiting from extra and lump sum repayments

If you decide to contribute extra money to each payment and deposit large amounts like your tax return and any bonuses, you can considerably shorten the life of the loan as well as save on interest. This means that each payment contains a greater proportion of principle.

Use a home loan offset account

An ANZ One home loan offset account can help you own your home sooner and save thousands of dollars in interest repayments.

What is an ANZ One Account?

ANZ One is a cheque or savings account linked to your home loan that has a 100% home loan offset facility. Quite simply, it makes the most of your available funds by reducing the interest payable on your ANZ loan whilst providing the flexibility of an everyday transaction account.

What benefits does an ANZ One account offer?

The most benefit gained from your ANZ One account is by depositing all funds into it, including salary and savings and using your ANZ credit card for your day-to-day purchases and bill payments. You then pay the card balance off in full when due. Taking advantage of the interest-free period on your credit card will help you leave more money in your ANZ One account for longer and as a result save on interest.

Possible interest savings with an ANZ One account could amount to thousands of dollars and thereby cut years off your loan term.

Use the 100% home loan offset calculator to see how much you are able to save in interest.

Calculator icon 100% home loan offset calculator

If you have a credit card that has a rewards program you will also earn reward points.

Get the best loan for your situation

The ANZ home loan selector will help you find the loan that best suits your needs.

How to apply

Call us on 1800 100 641

Send us an enquiry

Call us on 1800 100 641
8:00am to 8:00pm (AEST) Monday to Friday,
8:00am to 6:00pm (AEST) Saturdays and Sundays.


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