The ANZ Supplementary Loan allows you to access the equity in your home or investment property. It is fully flexible and can be used for a variety of different purposes such as consolidating existing personal borrowings, purchasing shares or to finance other purchases, according to your needs.

Loan term
Up to 10 years
Longer terms may be considered depending on the purpose of the lending
Minimum loan amount
$5,000 for eligible variable loans
$10,000 for eligible fixed loans
Maximum loan amount for a Supplementary Home Loan
Generally up to 90% for new customers and up to 95% for eligible existing ANZ customers1, of the valuation of the security property (Lenders Mortgage Insurance may apply4).
Maximum loan amount for a Supplementary Residential Investment Loan

Generally up to 90% for new and existing ANZ customers, of the valuation of the security property (Lenders Mortgage Insurance may apply4).

Lenders Mortgage Insurance4

Required if amount borrowed is more than 80% of the valuation of the security property.

Repay loan early
Yes - the ability to make extra repayments at any time means you can pay off your loan faster and save interest. Fees and charges may apply.
Make additional repayments
Yes - for variable rate supplementary loans. For fixed rate supplementary loans, additional repayments can be made up to a set tolerance amount2. Early repayment costs may apply for additional repayments above the tolerance amount for fixed rate loans.
100% home loan offset

Yes - for variable and one year fixed rate supplementary loans - this home loan offset account makes the most of your available funds to reduce interest costs, and shorten the term of your loan:

Redraw facility

Yes - for variable rate supplementary loans or fixed rate loans once they revert to the variable rate (note any principal reductions made during any fixed rate period will not be available to be redrawn).

Reduced fees on a personal transaction account3
Yes - you will not pay account servicing fees or additional withdrawal fees on your linked ANZ Access Advantage account (not available with ANZ Interest-in-Advance Supplementary Loan).
Draw down loan progressively

Yes - up to 12 months for variable rate and four months for fixed rate.

Repayment holiday


Loan approval fee (LAF)

Loan approval fee (LAF) $350

Covers application and loan establishment costs.

A valuation administration fee may apply - refer to ANZ Personal Banking General Fees and Charges (PDF 116kB) for details of fees and charges.

Loan administration charge
$10 per month for fixed rate loans (Applies during fixed interest rate period) and $5 per month for variable rate loans.
Redraw fee
Nil, There is currently no minimum Redraw amount for eligible Home Loans and Residential Investment Loans.
Early repayment cost

Applies to fixed rate loans. May be payable if you choose to make additional repayments, repay your fixed rate loan (in part or in full) or switch to another fixed or variable interest rate before the end of your fixed rate period. The definition and method of calculation are set out in the Consumer Lending Terms and Conditions booklet under the heading 'Repaying Your Loan Early During a Fixed Interest Rate Period'.

Converting or renegotiating

Renegotiation fee

$200 - If no change to the loan term, amount or security and no change to interest only repayments.

$350 - If changing loan term, amount, security, changing repayments to interest only or renewing your existing fixed rate loan term.

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

1. Subject to credit approval criteria. Different maximum loan amounts may apply to specific property types and locations. Eligible existing ANZ customers must have had a retail lending product for greater than 6 months with a satisfactory credit history.

Terms and conditions available on application. Fees and charges apply please refer to the ANZ Personal Banking General Fees and Charges (PDF 116kB)

2. For more information regarding the tolerance please visit any ANZ branch or phone the Home Loan Hotline on 1800 100 641 8:00am to 8:00pm (AEST), Monday to Friday, 8:00am to 6:00pm (AEST) Saturdays and Sundays.

3. Non-ANZ ATM Fees apply, salary must be deposited to the account to obtain the waiver.

4. LMI is paid by the borrower and protects ANZ in the event that the borrower defaults and a shortfall arises, following the sale of the security property. ANZ usually requires LMI where LVR is above 80% (depending on the type of property).

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