ANZ Standard Variable Rate
An ANZ Standard Variable Rate Home Loan gives you all the flexibility you need in a home loan.
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Key Features |
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Interest rate |
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You pay ANZ's current interest rates. |
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Fees and charges |
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You pay our current fees and charges. |
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Maximum loan term |
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30 years. |
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Maximum borrowing |
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We can lend up to 80% of a property's value. Note that the maximum amount you can borrow depends on the property's location, the property type, the home loan type and other ANZ lending criteria. In very exceptional circumstances, we may lend over 80% of the property's value. A low equity premium on a graduated scale will apply (the fee range is 0.20% to 1.25% of loan amount) and a registered valuer's report is required. |
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Repayment frequency |
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Weekly, fortnightly, monthly. Interest only on application. |
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Additional payments |
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You can make additional regular or one-off payments or repay the loan in full any time, without paying an early repayment fee. |
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Loan repayment holidays |
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You can apply to suspend your payments for up to three months every two years – although this is at ANZ’s discretion. Note, loan repayment holidays are not available on ANZ Flexiplus, interest only home loans or partially drawn down loans. |
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Redraw facility |
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You can use ANZ Flexidraw to redraw any payments you’ve made that are extra to the minimum repayment amount. The minimum redraw amount is $1,000 and you a redraw fee applies. |
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Split loan option |
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This is available in combination with any other ANZ home loans. |
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ANZ lending criteria, terms and conditions and fees apply to all loans.
You can ask for more information, including full terms and conditions for all of ANZ's lending products and a current Disclosure Statement, published by ANZ National Bank Limited, at any ANZ branch.
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