Home and Investment Loans. Be ready to make your move.

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1 Home and Investment Loans Be ready to make your move.

2 We ve got what you need to make things happen. Whether you re thinking of buying your first home, your next home, an investment property, switching your loan or doing some renovations, we ll help you bring it all together. Why ANZ? Simple. ANZ Buy Ready TM. Work out how much you can borrow Get free ANZ Property Profile Reports Be ready to pay on the day Australia s most awarded home lender Our home loans in detail. ANZ Standard Variable ANZ Fixed Rate ANZ Simplicity PLUS ANZ Equity Manager Get a bundle of savings and benefits ANZ Breakfree Package 16 What s your plan? Buying your first home Buying your next home Investing in property Renovating or building Switching to ANZ Take the first step. How much can I borrow? How much would my repayments be? Our home loans are full of features At a glance 12 Decisions, decisions. Variable, fixed or split? Should I get an offset account? Principal and interest, or interest only? What if I have an existing loan with ANZ, but I need more money? Some other questions answered It s an exciting journey. Let us be your guide My appointment checklist. 26 Important things you need to know. 28 My notes. 2 3

3 Why ANZ? Simple. ANZ Buy Ready TM. Finding a home isn t easy. But it helps if you can be ready to buy when you finally come across the right one. There are three parts to ANZ Buy Ready TM, and our Home Loan Specialists are happy to help work out how much you can borrow, find out information about the home and area you re considering with free ANZ Property Profile Reports, and work through the deposit solution you need to be ready to pay on the day. ANZ Buy Ready TM should give you more buying confidence and better bargaining power. And that s a very good thing. Work out how much you can borrow. Before you start looking for your home, you should get an idea of what you can borrow. Our Home Loan Specialists can work it out for you, and help you with an Approval in Principle 1. Once you ve got that, you ll have a clearer picture of how much you can afford to spend. Get free ANZ Property Profile Reports. When you re buying property, it s important to have as much information as possible. An ANZ Property Profile Report gives you an estimated market range and other important facts and figures for a specific address, as well as those around it. And best of all, it won t cost you a cent. anz.com/propertyreport Be ready to pay on the day. You ll need to pay a deposit upfront. Where that money comes from depends on your own situation. You ll probably be paying cash if you re a first home buyer, but you might have equity if you own other property. There are also other ways to cover a deposit, like an ANZ Security Guarantee 2 or ANZ Deposit Bond 3 (refer to page 10 to find out more). Whatever the case may be, we ll help you work it out. Australia s most awarded home lender. 4 We ve been named Home Lender of the Year by Money magazine 13 times since We also won Best Investor Lender for the last five years at the Australian Lending Awards, as well as Mortgage Lender of the Year and Best Customer Experience in There s more: our home loans consistently receive 5-star ratings from Canstar, Australia and New Zealand s premier financial services research and ratings firm. With these achievements, we d like to think we re doing something right. Got a home loan question? Talk to a specialist. They re smart, knowledgeable and passionate. And they ll be dedicated to your home loan, all the way from application to settlement and beyond. Our Home Loan Specialists will help you work out the most ideal loan for you, sort out the paperwork and answer any of your questions. We also specialise in handling self-employed, permanent resident or non-australian resident loan applications. Ready? Call

4 What s your plan? Buying your first home. An exciting journey begins. Buying your next home. You ve done this before. But it s different this time. We re here to help guide you into your first home. The top priority is sorting out your deposit, and the more deposit you have, the better. If your deposit is less than 20% of the property price, you will need Lenders Mortgage Insurance (LMI refer to page 10). Remember in addition to your deposit there are fees associated with buying a property like Stamp Duty. You may also be eligible for a First Home Owner Grant. Protect your future Once you ve bought your home, consider home insurance with ANZ and whether you need mortgage protection insurance 5. Mortgage protection insurance 5 covers you for the unexpected, like job loss, injury or if you were to pass away. Unlike your first home, it might be easier to get the money for your deposit (in addition to any savings you have), by using the equity, or selling your current home. For example: If your home is worth $500,000 and you still owe $300,000 you could $ have up to 200,000 in equity Need help with your deposit? See if an ANZ Security Guarantee 2 or ANZ Deposit Bond 3 (refer to page 10) may work for you. What s equity, anyway? Is this for you? Things to consider Equity is the difference between the value of your home and how much you owe on it. And that value isn t necessarily what you paid for your home, as it may now be worth more. Is this for you? Things to consider Be ANZ Buy Ready TM Get Approval in Principle 1 Ask for free ANZ Property Profile Reports Organise your deposit Is LMI required? If your deposit is not enough First Home Owner Grant Visit for more information ANZ Bridging Finance If you need to buy before you can sell, ANZ Bridging Finance 1 helps you to purchase a new home while you wait for the sale of your previous one. Once you ve sold, you can use that money to pay it off. Using your equity Make use of your property s value Bridging finance If you re buying before you can sell A portable loan Take your loan with you when you move 6 7

5 What s your plan? Investing in property. Ready to increase your portfolio? Renovating or building. Get it done the way you want. Whether you re buying your first investment property, or even your fifth, we could help you grow your investment portfolio. It s time to think about: Unlocking the equity in your existing property Using that equity towards an investment property The potential for negative gearing benefits With ANZ s help, you could: Ask for a free ANZ Property Profile Report for the property you re interested in Set up interest only payments 1 Get a line of credit to take advantage of investment opportunities 1 Manage a portfolio of several different loans and properties Protect your investment and rental income with ANZ Landlord Insurance 5 Speak to an ANZ Financial Planner for advice to help you achieve your goals You ve got a plan, and now you need the funds to make it happen. There are several ways you could get it done with our help. 1 If you re renovating, you may be able to use the equity in your home to fund the renovations. You could also top up your existing loan or redraw 6 if you are ahead on repayments. Making progressive payments as the construction bills come in could help you save on interest. Switching to ANZ Three good reasons to make the move More choice, more flexibility. We have options to meet your needs, whatever they might be, from how you repay to how long you want the loan for. We ll make switching easy. ANZ Home Loan Specialists will help you breeze through the process. Our Mobile Lenders 7 will even meet you wherever you like to guide you through the switching process. Is this for you? Things to consider Use your equity to invest Unlock your current property s value Interest only payments Enhanced cash flow Is this for you? Things to consider Use your equity Increase your borrowing power Make use of your existing mortgage Just top up the loan amount 03 Many awards means many satisfied customers. As Australia s most awarded home lender 4, we ve been doing our best to keep people happy. We d love the chance to keep you happy too. Negative gearing Get independent tax advice Make payments as bills come in You ll pay less interest 8 9

6 Take the first step. How much can I borrow? anz.com/homeloanborrow How much would my repayments be? anz.com/homeloanrepayments If you want to get ANZ Buy Ready TM, it s time to do the maths. We can help you work out everything you need. You should start with how much deposit you ve got, but you ll also need to work out: How much you can borrow The repayments you can afford Any equity you have, if you ve already got a home Your Home Loan Specialist will take you through other costs, like Stamp Duty and legal fees. If you re a first home buyer, you might be able to claim a First Home Owner Grant from your state government. These may help with your deposit: ANZ Security Guarantee Your family and friends may be able to use the equity in their home as additional security for a portion of your loan amount. 2 ANZ Deposit Bond This could take the place of up to 10% of your cash deposit when purchasing residential property, if you have money temporarily tied up in other assets or investments 3. Maybe you already have a property in mind, and you know how much deposit you can pay. Before you work out your repayments for a particular loan amount, you ll have to make a few decisions. For example: Will you be paying off principal and interest, or interest only? How long do you want a loan for? Would you prefer a variable or fixed rate loan? Will you be making extra repayments along the way? You can find out more on page 20. We ve put together a simple reference table, just to give you an idea of how much repayments could be. Use our online home loan repayments calculator for a more exact figure. Reference rate $250,000 loan $500,000 loan $700,000 loan 5% p.a. $1,343 per month $2,685 per month $3,758 per month 5.5% p.a. $1,420 per month $2,839 per month $3,975 per month 6% p.a. $1,499 per month $2,998 per month $4,197 per month 6.5% p.a. $1,581 per month $3,161 per month $4,425 per month 7% p.a. $1,664 per month $3,327 per month $4,658 per month 7.5% p.a. $1,749 per month $3,497 per month $4,895 per month What s LMI and LVR? If you need to borrow more than 80% of the property value you will need to pay Lenders Mortgage Insurance (LMI). Banks often call the 80%, the LVR, which stands for Loan to Value Ratio. All this means is that if you don t have at least 20% of the property price as your deposit, LMI protects ANZ against a fall in the property value. 8% p.a. $1,835 per month $3,669 per month $5,137 per month This is an example only, based on principal and interest repayments for a 30-year loan term at the stated reference rate. These rates are not necessarily available from ANZ. Please remember that interest rates may change and check anz.com/rates for current interest rates on different products

7 Our home loans are full of features. Features Standard Variable Get the flexibility you need Fixed Rate Repayment certainty Simplicity PLUS Only the features you need Equity Manager Turn your equity into real money Loan term Up to 30 years Fixed rate period up to 10 years Total term up to 30 years Up to 30 years Ongoing line of credit Repay weekly, fortnightly or monthly Yes Yes Yes Yes Make extra repayments Interest only repayments Link an offset account Yes Yes - up to a set amount 10 Yes Yes Yes - up to 10 years Yes - up to 10 years Yes - up to 10 years Yes Yes Only for a one year Fixed Rate No No Redraw facility 6 Yes Redraw available after the expiry of any Fixed Rate interest period Yes Redraw back up to your approved limit Ability to repay loan early Yes Yes - may incur an Early Repayment Cost 10 Yes Yes Drawdown loan progressively Yes - up to 12 months Yes - up to 4 months Yes - up to 12 months No Interest rate discounts and fee waivers 8 Yes - under ANZ Breakfree Package Yes - under ANZ Breakfree Package No Yes - under ANZ Breakfree Package Interest rate discounts on ANZ Breakfree Package % p.a. interest rate discount on Total Mortgage Lending $150,000 - $249, % p.a. interest rate discount on Total Mortgage Lending $250,000 - $699, % p.a. interest rate discount on Total Mortgage Lending $700,000 or greater 0.15% p.a. interest rate discount on any individual loan size greater than $150, % p.a. interest rate discount on Total Mortgage Lending $150,000 - $249, % p.a. interest rate discount on Total Mortgage Lending $250,000 - $699, % p.a. interest rate discount on Total Mortgage Lending $700,000 or greater 12 13

8 Our home loans in detail. ANZ Standard Variable Get the flexibility you need. ANZ Fixed Rate Repayment certainty. ANZ Simplicity PLUS Only the features you need. ANZ Equity Manager Turn your equity into real money. This loan works best if you: This loan works best if you: This loan works best if you: This loan works best if you: Want to pay off your loan sooner Offers a mix of features and flexibility Want certainty on your repayments Safeguard against interest rate rises Like it simple Get only the features you need Have equity at home Unlock the value of your property Would like to redraw extra repayments Get easy access to your money Need to set your budget Know what your repayments will be Need to redraw extra loan repayments Easy access to your money Need cash on hand Conveniently access your funds Want to minimise interest charges Use an offset account to save interest Choose how long you want Fix your rate for a specific term Want to get ahead Make extra repayments whenever you like Want to be ready to invest Be ready for investment opportunities It s full of features. We ll help you stick to your budget. Less features means more savings. Got equity? Use it. ANZ Standard Variable lets you react to changes in your life or circumstances. Especially if you re trying to pay off your loan early, or if you need to access the extra repayments you ve made. Make extra repayments if you ve got some extra cash Redraw extra repayments if needed 6 Link an offset account to save on interest charges Pay off your loan ahead of time ANZ Fixed Rate gives you the certainty you need for your budget, protecting you against interest rate rises that may affect your ability to make repayments, during the fixed rate period. Fix your home loan interest rate for 1, 2, 3, 4, 5, 7 or 10 years ANZ Lock Rate lets you pay a fee to lock in the interest rate before drawdown Split your loan into fixed and variable portions 10 You can even have an offset account for a one-year fixed term ANZ Simplicity PLUS is a no-frills, no monthly fee loan, but it still offers the flexibility you need to change how you pay if you need to. Save with low interest rates and no monthly fee Make extra repayments if you ve got some extra cash Redraw extra repayments if needed 6 Pay off your loan ahead of time ANZ Equity Manager is a line of credit, that helps you turn the equity in your home into money you can actually use. You can use this line of credit flexibly, and you can access your money any time, just like you would with an everyday banking account, for example via ATMs or ANZ gomoney. Only pay interest on what you use Competitive interest rate Manage your own repayment schedule You can even withdraw what you repay, up to your credit limit or Variable, Fixed or Split? Turn to page 19 for more details. Would you like a discount on your interest rate? Bundle your banking with an ANZ Breakfree Package. Find out more on the next page

9 Get a bundle of savings and benefits. ANZ Breakfree Package Put your home loan, everyday banking and credit card into a neat package and you can get lots of benefits. 8 Here s a summary of your ANZ Breakfree Package benefits: ANZ home loans: Interest rate discounts Fee waivers including Loan Approval, Loan Renegotiation, monthly Loan Administration Charge and Credit Facility Fee Unlimited loans and Equity Manager Accounts under the one package ANZ everyday banking: No monthly account service fee on one ANZ Access Advantage or ANZ One offset account ANZ credit card: No annual account fee on one eligible ANZ credit card No Additional Cardholder Fees 11 ANZ insurance & advice benefits: Discounts on home, landlord, car and mortgage protection insurance 5 Up to $550 off the ANZ Financial Planning one-off Adviser Service Fee towards your personalised advice 12 An example of how the ANZ Breakfree Package could save you money: Benefit First year savings Ongoing annual savings p.a. 0.60% p.a. discount on $250,000 ANZ Standard Variable Rate Home Loan and Residential Investment Loan rates $1500 $1500 ANZ home loans ANZ everyday banking ANZ credit card ANZ insurance & advice benefits No Loan Approval Fee on your ANZ Home Loan $600 You could save over $2,200 in the first year No monthly Loan Administration Charge on your ANZ Standard Variable Rate Home Loan $60 $60 This package works best if you: Are keen to save on interest and fees Get interest rate discounts and fee waivers on selected products Like flexibility Build a banking solution based on your needs Want other ANZ benefits Protection for you and your assets with discounts on a range of insurance products and advice No monthly account service fee on one ANZ One offset account No annual account fee on your ANZ Frequent Flyer Platinum credit card account 10% discount on an average 13 ANZ Home Insurance premium of $1100 Minus the annual ANZ Breakfree Package Fee $120 $120 $240 $240 $110 -$375 -$375 All these great benefits for an annual fee of $375. Your savings $2,255 $1,545 To open an ANZ Breakfree Package, your lending must be $150,000 or more of eligible loan types. The above example assumes: interest only repayments, minimum repayments are made as scheduled through the life of the loan and no additional repayments are made

10 You have a long list of ANZ Breakfree Package benefits to choose from: Decisions, decisions. Product Benefit Borrowing Advice Insurance Everyday banking ANZ Standard Variable Rate Loans and ANZ Equity Manager ANZ Fixed Rate Loans ANZ Standard Variable Rate Loans ANZ Fixed Rate Loans ANZ Equity Manager ANZ Access Advantage or ANZ One ANZ Assured Eligible ANZ credit cards ANZ Home Insurance 5 ANZ Landlord Insurance 5 ANZ Mortgage Protection Insurance 5 ANZ Car Insurance 5 ANZ Financial Planning Interest rate discounts: % p.a. 0.60% p.a. 0.70% p.a. 0.15% p.a. Fees waived: Loan Approval Fee Valuation Administration Fee Renegotiation Fee No monthly account service fee on one account No Credit Facility Fee No annual account fee on one eligible ANZ credit card 10% discount on the first year s premium 10% discount on premium 5% discount on the first year s premium No obligation consultation with an ANZ Financial Planner ANZ Total Mortgage Lending: $150,000 - $249,999 $250,000 - $699,999 $700,000 or greater Any individual loan size 8 greater than $150,000 Loan Administration Charge Credit Facility Fee Facility limit of $1,000 on ANZ Access Advantage or ANZ One No Additional Cardholder Fees Up to $550 off the ANZ Financial Planning one-off Adviser Service Fee towards your personalised advice 12 Variable, fixed or split? Choose a variable rate if you: Want to make extra or early repayments on your loan Might need to redraw your money Don t mind interest rates changing You can change how you make repayments, depending on your circumstances. If you ve got money in a banking account, you can also use an offset account linked to your loan, to your benefit. Choose a fixed rate if you: Prefer certainty in your repayments Want to fix your interest rate for a set amount of time Need to set a budget and stick to it Your interest rate is fixed for an agreed period of time. This helps you set and forget, giving you peace of mind. But you won t benefit if interest rates go down in that time, and breaking your loan could cost you. 10 After the end of your fixed rate period, you will enjoy all the benefits of a variable rate, or you can choose to refix up to a total of 10 years. Split the difference And if you want the best of both worlds, you can choose to split your home loan between variable and fixed: 50-50, or some other ratio, it s up to you. These benefits change from time to time. Please see anz.com/breakfree for the latest benefits and special offers

11 Decisions, decisions. Should I get an offset account? Principal and interest, or interest only? What if I have an existing loan with ANZ, but I need more money? If you have money in an everyday banking account, it makes sense to move it into ANZ One, our offset account. We ll link it to your ANZ Standard Variable Rate or one-year ANZ Fixed Rate Home Loan to help you save on interest charges. The money you have in ANZ One will offset the amount you owe on your home loan, and you ll only be charged interest on the difference. Your home loan balance $350,000 In your offset account $25,000 Let s put it this way: if you choose interest only, your repayments will be lower but you will have to fund repayment of the principal down the track. You can choose up to a 10 year period for interest only loans. But if it s a loan for the home you re living in, repaying principal and interest means that you re actually paying off the loan amount over the period of the loan, not just the interest charges. Simply talk to one of our Home Loan Specialists. There are different options available, including: 1 Top up: you might be able to increase your home loan amount, saving you the hassle of applying for a new loan. Redraw: if you ve been making extra repayments and are ahead of schedule, providing that you re not in a fixed rate period, you could take that money out again if you need to. Your minimum redraw amount is $2, Supplementary loan: you could get another loan by accessing the equity in your property. Repayment holiday: enquire about taking a break from making repayments for an agreed period of time and catching up later. You ll only have to pay interest on $325,000 You ll save $ 120,898 in interest charges and reduce your loan term by 4 years 6 months Based on a 30-year loan at 6.5% p.a., with a daily balance of $25,000 in your offset account throughout

12 Some other questions answered. How would fortnightly repayments help me save? How is interest calculated? Thought about insurance? Make your monthly repayments by paying half the amount every fortnight. You ll end up paying a bit more with 26 fortnightly repayments instead of 12 monthly repayments, but you ll be reducing your total interest charges. 10 $400,000 $300,000 For example, instead of $1,971 a month, repay $985 a fortnight. Instead of ($1,971 12) $23,652 a year You ll be repaying ($985 26) $25,610 a year Interest rates are calculated daily and charged monthly. For example, if you had a loan balance of $150,000 for the month and your interest rate was 6% p.a., your interest charges would be: $150,000 6% 365 $ per day (or $ charged for a 30-day month) Thinking about buying a new house, starting a family, or taking on new debts? Whatever your plans may be, it s important your assets are protected. We know that life can throw a spanner in the works at times: storms, house fires, theft and injury or illness are all things you need to think about and plan for. While insurance won t protect you from these things happening, getting the right insurance is the best way to protect your financial wellbeing and your family when something does go wrong. $200,000 Speak to us today about protecting your most important assets for the future. $100,000 $0 Fortnightly Monthly Total interest Total interest $299,732 $390,012 Your loan term will be reduced by 5 years 11 months You ll save $ 90,280 in interest charges This is an example only, based on a loan size of $320,000 and principal and interest repayments for a 30-year loan term at the reference rate of 6.25% p.a. This rate is not necessarily available from ANZ. Please remember that interest rates may change and check anz.com/rates for current interest rates

13 It s an exciting journey. Let us be your guide. 05 Settlement 07 Your portfolio 01 Get ANZ Buy Ready TM 02 Purchase the property 03 Sort out your paperwork 04 Get ready for settlement 06 Manage your loan Things to consider 01 Get ANZ Buy Ready TM 02 Purchase the property 04 Get ready for settlement 06 Manage your loan 24 Start by doing the maths, using our online calculators. Work out how much you could afford, then talk to us about getting Buy Ready. Apply for Approval in Principle Get your free ANZ Property Profile reports anz.com/propertyreport Make sure you ve got the funds for your deposit Investigate the government and legal fees you need to pay Apply for your First Home Owner Grant, if you are eligible, check at Once you ve found the home you want, negotiated terms and signed the contract, it s time to make sure your loan happens. If you haven t already, find a conveyancer or solicitor and have them go through the contract Provide ANZ with your contract so we can finalise assessment of your application Consider ANZ Home Insurance - ask for a quote 5 03 Sort out your paperwork This is when all the legal stuff happens, especially the contract of sale and mortgage documents. Your conveyancer or solicitor will also provide any other documents you need Read, sign and return your home loan letter of offer Sign and return your mortgage documents Your conveyancer or solicitor will organise a settlement date and time. Meanwhile: Arrange a pre-settlement inspection Consider ANZ Mortgage Protection Insurance 5 05 Settlement Your conveyancer or solicitor should let you know once settlement has happened. Arrange to pick up your keys Your conveyancer or solicitor will send you all the settlement details We ll send you a loan drawdown confirmation letter with your account and repayment details Arrange cover for your contents with ANZ to ensure that your belongings are covered while moving house as well as when you ve moved in Your new home comes with a new home loan. It s time to organise your repayments. Add your new home loan to your Internet banking profile Ensure your loan repayments are set up Consider an offset account 07 Your portfolio Whether you ve just bought your first or fifth property, we can help you throughout the entire journey. Talk to your Home Loan Specialist if you have any questions or call

14 My appointment checklist. Meeting one of our Home Loan Specialists? Fantastic. Here s what we d like you to bring. Have you got any questions for our Home Loan Specialist? List them here. Identification If you re new to ANZ, please bring at least one photo ID (like a passport or driver s licence) and another ID like a bank statement or Medicare card. If you re self-employed If you re a sole trader, partnership or company, please provide individual and business tax returns (along with ATO assessment notices, Profit & Loss statement and Balance Sheet). What you earn Your latest payslip with three months Year To Date (YTD) income, or a bank statement with three months account history. If your salary is deposited into an ANZ account, you do not need to provide this. What you own Please bring details of any assets you might have, like savings, shares, car, property and superannuation. What you owe Please let us know what liabilities you ve got, including credit card debts, loan payments or leases. Insurance Please bring details of all your insurance information, like home and contents, landlord, life, and income protection. If you re switching to ANZ Please bring home loan statements for the last 3 months (if you re printing from internet banking, bring at least one original statement too) and all insurance details for the property. If you re buying a property We d like to see a full Contract of Sale. You ll only have this once you ve signed a contract with a real estate agent. If you re building We ll need council approved plans or a building permit and a fixed price Builder s Contract (or if you are an owner builder, requirements will be provided on application). If you re a Temporary/Provisional Visa holder Please bring your passport with your visa information. We value your feedback. Throughout the home loan process we may ask you for feedback about your experience, via or SMS. We welcome your opinion as it will help us to deliver the home loan experience that s right for you. Note: we will not ask you for any personal details in this feedback

15 Important things you need to know. This booklet provides general information current as at the time of production. The information in this booklet is intended as a guide only. It has been prepared without taking into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you. It is not intended to be a substitute for professional advice. ANZ recommends that you obtain independent and specific advice from appropriate professionals relating to tax, legal and financial obligations. ANZ recommends that you read any relevant product disclosure statements and/or terms and conditions which are available at any branch, online at anz.com or by calling before deciding to acquire or hold a particular ANZ product. 1. All applications for credit are subject to ANZ s normal credit approval criteria and the specific product terms and conditions (including any fees) will apply. Approval in Principle is available to eligible customers who complete an application. Approval in Principle is subject to conditions, such as security being adequate to ANZ. 2. ANZ recommends that guarantors get independent legal and financial advice before signing a guarantee. 3. An ANZ Deposit Bond can be issued once ANZ has approved unconditional finance to assist with the purchase. It could take the place of up to 10% of your cash deposit or $100,000 (whichever is the lesser) when purchasing residential property, if you have money temporarily tied up in other assets or investments. ANZ Deposit Bond is guaranteed by QBE Insurance (Australia) Limited ABN AFSL (QBE) and managed by Deposit Underwriters Pty Limited ABN (Deposit Underwriters). In arranging this bond, Australia New Zealand Banking Group ABN (ANZ) is acting under an authority given to it by QBE and in doing so is acting on behalf of QBE and not as your agent. Deposit Underwriters and ANZ and its related corporations do not accept any liability for, nor guarantee the payment of any claim or benefit in respect of ANZ Deposit Bond. ANZ receives a commission from QBE. 4. Over the past 17 years, ANZ has been awarded Home Lender of the Year by Money magazine in 2014, 2012, 2010 and , and Personal Investor magazine in 2005, 2004 and ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance are jointly issued by OnePath General Insurance Pty Limited (ABN ) and QBE Insurance (Australia) Limited (ABN ) (QBE). ANZ Mortgage Protection Insurance is jointly issued by OnePath Life Limited (ABN ) and QBE. ANZ receives a commission of 20% of your premium for ANZ Home Insurance and ANZ Landlord Insurance, and 12.5% of your premium for ANZ Car Insurance from the issuers. ANZ receives a commission of 20% of your premium for ANZ Mortgage Protection from the issuers. ANZ Group staff members who sell these products receive a salary, and may receive monetary and non-monetary benefits based on the number of sales achieved. You may request further information from ANZ. To be entitled to a discount on your insurance you must notify the issuers of these products at the time of application that you are an ANZ Breakfree Package customer. Please note for ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance the discount is only applicable to the first year s premium. These discounts are not available in conjunction with any other discount offer made by issuers of these products or ANZ. 6. Eligibility criteria, terms and conditions apply to ANZ Redraw. 7. ANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of ANZ. 8. ANZ Breakfree Terms and Conditions apply, including the ANZ Breakfree Package Fee and eligibility criteria. Lending must be $150,000 or more of eligible loan types. See anz.com/breakfree or ask ANZ for details. 9. ANZ Breakfree terms and conditions apply. Special offers may be available. Please see anz.com/breakfree for details and conditions. 10. When you make certain changes to an ANZ Fixed Rate Loan, or make additional repayments above a certain amount, you may incur an Early Repayment Cost. Early Repayment Costs can be very large. You should talk to ANZ before making an early or additional repayment when your interest rate is fixed. 11. Eligible credit cards are found at anz.com/breakfree. A $55 Rewards Program Service Fee per cardholder will apply to ANZ Rewards (Classic, Platinum and Black) and ANZ Frequent Flyer (Classic and Platinum). 12. The discount applies upon you notifying your ANZ Financial Planner that you are an ANZ Breakfree Package customer. ANZ Financial Planning will provide one discount per ANZ Breakfree Package of up to $500 plus GST off the one-off Adviser Service Fee (ASF). Where the ASF is less than $500 plus GST, the discount will equal this lesser amount. This Offer may not be used in conjunction with other ANZ Financial Planning offers. ANZ Financial Planners are representatives of Australia and New Zealand Banking Group Limited ABN , the holder of an Australian Financial Services Licence. 13. Average premium is calculated by: total amount of new business premium divided by total number of new business policies sold. Discounts are applied in a preset order and exclude any premium for Liability cover, Domestic Workers Compensation and are calculated before taxes and charges. ANZ Buy Ready and ANZ gomoney are each a trade mark of Australia and New Zealand Banking Group limited (ANZ) ABN Australian Credit Licence Number Want to apply for a home loan? Just call Monday to Friday 8am to 9.30pm (AEST) Saturday to Sunday 8am to 4.30pm (AEST) Visit a branch to speak to one of our friendly staff Have an ANZ Mobile Lender come to you call For more information go to anz.com/home-loans 28 29

16 My notes

17 Find out more Visit your nearest ANZ branch Visit anz.com/home-loans Call us on , Monday to Friday, 8am to 9.30pm (AEST) Saturday to Sunday, 8am to 4.30pm (AEST) Have an ANZ Mobile Lender come to you Connect with us Facebook: facebook.com/anzaustralia au YouTube: youtube.com/anzaustralia Australia and New Zealand Banking Group Limited (ANZ) ABN Australian Financial Services Licence Number and Australian Credit Licence Number ANZ s colour blue is a trade mark of ANZ W438211

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