Taking out a home loan is a significant investment,
so it makes a great deal of sense to insure yourself
against the financial burden that could accompany
unexpected events.
Ask yourself how you would cope with rebuilding your
house if it was damaged or replacing your contents if
they were broken or lost.
Talk to us about how ANZ insurance9 can help to
protect both your home and contents.
ANZ Home Insurance includes:
a choice of buildings and/or contents cover
(buildings cover was 5-star rated by CANSTAR
CANNEX in 2009 and 2010 for “Outstanding Value”)
flood cover (buildings and contents cover)
full buildings replacement cover (buildings cover)
contents cover away from home, worldwide
(contents cover).
ANZ Landlord Insurance includes:
cover for rent default or theft by tenant
full buildings replacement cover
cover for accidental glass breakage (e.g. windows)
and impact damage (e.g. walls).
anz.com
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527. ANZ’s colour blue is a trade
mark of ANZ. Item No. 59646 05.2012 W276447
And give some thought to
adequately protecting your
home and contents.
Terms and conditions, fees and charges apply. All applications for loans are
subject to ANZ’s normal credit approval criteria.
1Paying half the monthly repayment amount of your loan each fortnight is a
way to make an additional repayment each year.
2For ANZ Fixed Rate loans you can make early or additional repayments up to
a set amount (the lesser of 5% of the loan amount at the start of the current
fixed rate period or $5,000) each year of the fixed rate period, without
triggering an Early Repayment Cost.
3Home Lender of the Year awarded by Money magazine 2012, 2010, 2008,
2007, 2006 and 2005, and AFR Smart Investor magazine 2005, 2004, 2002,
2001, 2000 and 1999. Bank of the Year 2012 awarded by Money magazine.
Australian Lending Awards, Mortgage Lender of the Year Award 2011 and
Best Investor Lender Award 2011 and 2012. The Australian Lending Awards
is an independent initiative of The Adviser and specialist research and
advisory firm RFI.
4ANZ Mobile Lending representatives operate as ANZ Mortgage Solutions,
independently operated franchises of Australia and New Zealand Banking
Group Limited (ANZ) ABN 11 005 357 522.
5Terms and conditions available upon request or visit anz.com.
6For ANZ Fixed Rate loans, redraw is available once the loan converts to an
ANZ Standard Variable rate. For interest only loans, redraw is not available
after the expiry of the interest only period. Redraw is not available for loans
in a company name.
7A Repayment Holiday can only be taken after your loan has been active for
two years and you have a satisfactory repayment history. There must be no
current repayment arrears or history of repayment arrears greater than 30
days on the loan. Eligibility criteria applies.
8All applications for credit are subject to ANZ’s normal lending criteria.
This material does not take into account your personal needs and financial
circumstances and you should consider whether it is appropriate for you.
ANZ recommends you read the terms and conditions before deciding to
acquire or hold the product.
9ANZ Home Insurance and ANZ Landlord Insurance are co-issued by OnePath
General Insurance Pty Limited (ABN 56 072 892 365, AFSL 288160) (‘OnePath
General Insurance’) - phone 13 20 62, and QBE Insurance (Australia) Limited
(ABN 78 003 191 035, AFSL 239545) (‘QBE’) - phone 13 37 23. Australia and New
Zealand Banking Group Limited (ABN 11 005 357 522) (‘ANZ’) is an authorised
deposit taking institution (Bank) under the Banking Act 1959 (Cth). OnePath
General Insurance is owned by ANZ – it is an issuer of the product but is not a
Bank. This product is not a deposit or other liability of ANZ or its related group
companies and none of them stands behind or guarantees the issuer. The
information provided is general in nature and does not take into account
your personal needs and financial circumstances. You should consider
whether ANZ Home Insurance or ANZ Landlord Insurance are right for you by
reading the relevant Product Disclosure Statement, before acquiring or
continuing to hold the product, available by visiting any ANZ branch, by
calling 13 16 14 or by visiting anz.com.
Smart ways to save
time and money on
your home loan.
By managing your home loan
better, you could pay it off sooner.1,2
Now that you’ve secured your home loan with ANZ,
we want to reassure you that we’re here to help in
any way we can. We have detailed in this brochure
the many ways to contact us and some handy tips to
consider, that could help reduce the amount you
have to repay and the time it takes to repay it.
We’re Australia’s most awarded home lender3 and
we’re here to help.
Our team at ANZ are available to answer any
questions you may have, simply:
Some handy tips for you to consider.
Here are some useful suggestions that you may want to
build into the management of your home loan and
repayment schedule. Don’t hesitate to contact us if
you’d like to know more about them and how to put
them into action.
Use ANZ Internet and Phone Banking. Access all
your ANZ accounts in one place. Check balances,
transfer funds and make online transactions.
Don’t be late. Avoid late payment fees by making
your minimum repayment by the due date. Or simply
set up a convenient Direct Loan Payment on ANZ
Internet Banking.
call our dedicated home loans specialists on
1800 035 500 from 8am to 9.30pm (AEST)
Monday to Friday or 8am to 4.30pm (AEST)
Saturday and Sunday
Talk to us about your repayments. By requesting to
make your repayments fortnightly set at half the monthly
repayment amount1, you could reduce your home loan
principal faster and reduce the total interest payable.
visit your nearest ANZ branch
Pay extra from the start. Add extra money to each
loan payment,1,2 or deposit large amounts (tax returns,
dividends, bonuses, etc.) and you could significantly
shorten the life of the loan and save on interest.
call us to arrange an appointment for one
of our mobile lenders4 to come to you
visit our website anz.com/homeloans for
more information.
Consolidate your debts. If you’re juggling multiple
credit card or personal loan debts, you may be paying
more interest than you need to. We can show you
how you could consolidate your debts into your
home loan, increase your repayments, and pay off
your debts sooner.
Understand your home loan. With fixed rate home
loans, there’s a limit on the amount of additional
repayments you can make per year, so if you exceed
these, or switch to another fixed or variable rate or
repay the loan (either in full or part) before the end
of the fixed rate term, you may trigger an Early
Repayment Cost.
Reduce your interest. A number of ANZ home loans
allow a mortgage offset account to be linked to the
loan. So talk to us about an ANZ One5 mortgage
offset account which can make the most of your
available funds by reducing the interest payable on
your ANZ home loan.
Manage access to redraw6. Extra payments you
make to your home loan1 are usually available to
be redrawn to fund things like renovations or other
large purchases. However, you can limit or remove
this redraw access, simply by notifying us. Or you
can reduce repayments to reflect the additional
payments you’ve made.
Take a Repayment Holiday.7 If you need to free
up funds for a short period of time, why not talk to
us about an ANZ Repayment Holiday? It gives you
a break from your loan repayments by putting them
on hold for three months.
Guard against unexpected cash shortfalls.
An ANZ Assured overdraft facility could protect you
against unexpected cash shortfalls – and could
help to avoid overdrawn account fees. It also gives
you a small credit facility attached to your ANZ
Access account.8
Our commitment to you.
ANZ is committed to providing convenient, simple
and responsible banking services. Our Customer Charter
outlines the specific service standards you should
expect us to meet. It covers the products and services
we currently offer and the high standards we aspire to.
Our external auditors will review our performance
against these standards every year and we will report
the results publicly.
If for any reason you do find yourself struggling to make
your repayments, ANZ is here to help. The sooner you
can contact us, the sooner we can offer assistance.
Simply call 1800 252 845 from 8am – 8pm (AEST)
Monday to Friday, 9am - 4pm (AEST) Saturday or visit
your nearest ANZ branch.