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 your needs.
Features at a glance
- Attractive interest rate
- Loan terms up to 10 years
- Loan value up to 60% 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
- Early repayment is allowed (fee is applied)
- Mortgage redraw feature.
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.
Need help?
Visit any ANZ branch and meet our ANZ Mortgage Specialist (See list of our branch office addresses).
Call ANZ Contact Center: 1800 1559 (24h/7days – free of charge).
Common questions
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 60% 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).
- Proof of loan purpose.
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.
