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| Loan approval fees |
| Home loan amount | Fees |
| Nil to $99,999.99 | $400.00 |
| $100,000.00 to $249,999.99 | $250.00 |
| $250,000.00 Plus | Nil |
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| Fee for more than three loan splits in an ANZ Split Home Loan |
Applies to both new loans and restructure of existing loans.
Loan approval fees cover up to three loan splits. Any additional splits are charged at $100 per split. |
| Top ups |
A $200.00 Approval Fee applies to top ups. ANZ’s current policy is to waive this fee if:
- You have been an ANZ home or
residential investment loan customer for three years or
more, OR
- Your ANZ home and residential investment loans total $250,000.00 or more.
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| Top Ups are available on application for ANZ Standard Variable Rate Home Loans. Top Ups are available on application as a separate loan for ANZ Fixed Rate Home Loans at the interest rate applying at the time of drawdown. |
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Low equity premium (LEP)
“ANZ charge this fee to recover the expected cost of assuming the increased risk associated with lending above 80% of a property’s value and the costs incurred as a result of such lending.” |
For loans over 80% of the property value, a low equity premium may apply (fee range 0.20% – 1.25% of the loan amount).
See the latest Low Equity Premium rates
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Low documentation fee
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For low documentation loans, where verification of income has not been requested, a low documentation fee on a graduated scale may apply. |
ANZ FlexiPlus Home Loan management fee
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$12.50 per month (covers account administration, automatic payment service fees and transaction fees. All other service fees apply). |
| ANZ Flexidraw (redraw) fee |
$5.00 per redraw
Minimum Redraw $1,000.00
Not Available on ANZ Fixed Rate. |
Portability
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$250.00 (substituting security of equal value). |
Name change or loan ownership changes
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$100.00 – covers any of the following scenarios:
- Transfers of loans from personal name to
Family Trust/Company.
- Transfers from joint to single loan
ownership.
- Single loan owner adding a second person to the loan.
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| Early repayment charges for ANZ Fixed Rate Home Loans |
ANZ may charge early repayment charges if you choose to repay or restructure your ANZ Fixed Rate Home Loan during your fixed rate term as follows:
Early repayment charge
An early repayment charge based on the economic cost to ANZ of repaying or restructuring (in full or part) your ANZ Fixed Rate Home Loan as set out in your terms and conditions booklet.
ANZ’s current policy is to waive the early repayment charge for any repayments within the following "tolerance amount":
- For each year of the fixed rate term, you can make extra repayments in addition to your regular fixed payments of up to 5% of the loan balance (the balance at the start of the fixed rate term) to a maximum of $10,000.00 without incurring an Early Repayment Charge.
Early repayment administration fee
An early repayment administration fee of $300 may also be charged if you fully repay your loan or switch to a new fixed rate period or another type of loan, before the end of a fixed rate period.
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Missed loan repayment fee
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| A missed loan repayment fee of $20.00 may be charged (to your funding account) if there are insufficient funds in your funding account to meet a loan repayment on the agreed date. |
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Security fees
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| Security discharge fee | $100.00 |
| Security handling fee | $40.00 |
| Kerb side valuation fee |
$30.00 |
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