ANZ First Home Saver Account

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1 ANZ First Home Saver Account PRODUCT DISCLOSURE STATEMENT

2

3 2 3 Contents 1. Who can have a First Home Saver Account 4 2. How the First Home Saver Account works 5 3. How the Government helps you save 6 4. How ANZ helps you save 6 5. What happens if your situation changes 7 6. Using your savings for your first home 9 7. The fees 9 8. How to open an account Solving problems Privacy and confidentiality 12

4 1. Who can have a First Home Saver Account You should consider opening a First Home Saver Account if you: only want to use your savings to buy or build your first home in Australia to live in ( buy your first home ), and are able to save at least $1,000 a year ($20 a week) in 4 separate financial years they do not need to be in a row. A financial year is from July 1 to June 30. To open an account, you must: be aged 18 or over and under 65 have a tax file number have never owned a home in Australia that you have lived in, and have never opened a First Home Saver Account before. You can open another First Home Saver Account if you are transferring your savings from one First Home Saver Account to another see section 8. If you are saving with others each person must open their own individual First Home Saver Account each of you can then receive the benefits of having a First Home Saver Account. You cannot open a joint account with someone else. If you are unsure about your eligibility go to

5 2. How the First Home Saver Account works 4 5 How you can use the savings in a First Home Saver Account You can only withdraw your savings for 4 purposes: 1. to buy your first home 2. as money you can add into super 3. as money you can withdraw as a lump sum if you are aged 60 or over 4. as money you can pay into a genuine mortgage. How to save with a First Home Saver Account You put money into your account the same way you would make deposits into a normal bank account. You can do this at any time, and for as long as you need to save. You cannot salary sacrifice into your account. You do not need to put money in every year but your account will only get Government contributions when you do. Maximum contribution thresholds apply - for more information contact the ATO on or go to You can keep your account open until: (i) you buy your first home; or (ii) you are eligible to pay the money into a genuine mortgage; or (iii) you turn 65. When you turn 65 you must close your account and withdraw all of your savings, or move it into super.

6 3. How the Government helps you save The Government boosts your savings with contributions and a low rate of tax on the income your investment earns. For rules around how much the government will contribute to your account based on contributions you make please contact the ATO FHSA help service directly: - go to - phone the ATO on between 8am - 6pm Monday to Friday - write to the ATO at PO Box 3575 Albury NSW 2640 If you are saving with other people that have their own First Home Saver Accounts, each person will receive Government contributions on the money they put into their account. Government contributions are paid directly into your First Home Saver Account after you have lodged your tax return and ANZ has told the Tax Office how much you have put in. You are not taxed on the money you put into your account on the Government contributions, or when you withdraw your savings for your first home. There is a low rate of tax on the interest your savings earn Earnings on First Home Saver Accounts are taxed at 15% but this is paid to the Tax Office by the account provider. This tax is deducted from your account. 4. How ANZ helps you save Your savings earn interest The savings in your ANZ First Home Saver Account earn a variable interest rate, helping you to get to your first home quicker. See anz.com for our current interest rates.

7 Your savings will not go down The ANZ First Home Saver Account is a bank account so what you put in, stays in. And, we don t charge any day-to-day fees which can also reduce your savings. 6 7 First home saver account calculator To find out how much you need to save use the calculator at 5. What happens if your situation changes You should consider the following situations before choosing this account. You decide not to buy a first home If this happens you can choose to: move your savings into super, or withdraw your savings as a lump sum if you are aged 60 or over. You want to buy your first home before you have put, or are deemed to have put, $1,000 into your account in 4 separate financial years (they do not need to be in a row). You cannot use the savings in your account if you are buying your first home on your own. You can use the savings in your account if you are buying your home with someone else who has put $1,000 into their account in 4 separate financial years (see section 6). You have bought your first home but you haven t put $1,000 into your account in 4 separate financial years (they do not have to be in a row). If this happens, you can choose to: use the savings in your account to pay towards a genuine mortgage over your first home after you are deemed to have put $1,000 into your account in 4 separate financial years (see Withdrawing your savings under section 6 for further details). To do so, you must notify us within 30 days of acquiring your first home, move your savings into super, or withdraw your savings as a lump sum if you are aged 60 or over.

8 You don t have any money to put into your account You do not need to put money into your account every year. You can choose to: start saving again when you can move your savings into super, or withdraw your savings as a lump sum if you are aged 60 or over. You haven t put $1,000 a year into your account in 4 separate financial years (they do not need to be in a row) and you want to close your account You can choose to: move your savings into super, or withdraw your savings as a lump sum if you are aged 60 or over. You move overseas You can keep your account open, and continue to put money into your account but, you won t receive any Government contributions if you are overseas for an entire financial year. You start living in a home you own* If you start living in a home that you own, you will no longer be eligible to have an account. You must tell ANZ and close your account within 30 days, or penalties from the Tax Office will apply. When you close your account you can either: move your savings into super, or withdraw your savings as a lump sum if you are aged 60 or over. * This section does not apply where you have bought your first home, but haven t put $1,000 into your account in 4 separate financial years, and intend to use the savings in your account to pay towards a genuine mortgage. You experience hardship After moving your savings into super you may apply to access your super under the early release provisions. These include severe financial hardship, permanent disability or on specified compassionate grounds.

9 6. Using your savings for your first home 8 9 Withdrawing your savings You can withdraw your savings to buy your first home after you have put at least $1,000 a year into your account in 4 separate financial years (they do not need to be in a row). If you are buying your first home with other people that have First Home Saver Accounts you can withdraw the savings from each account if just one of you has put $1,000 into your account in 4 separate financial years. You can withdraw your savings to pay towards a genuine mortgage over your first home after you are deemed to have put $1,000 into your account in 4 separate financial years (they do not need to be in a row). Once you have bought your first home, you may not deposit any further money into your account, however each subsequent financial year, including the financial year of purchase, counts towards the 4 year requirement (even though you haven t put $1,000 into your account in that year). When you re ready to use your savings for your first home or to pay towards a genuine mortgage over your first home (as the case may be) 1. Apply to ANZ to withdraw all of the money from your First Home Saver Account. To check that you meet the withdrawal rules go to 2. Close your First Home Saver Account. Generally, you will not be able to open another First Home Saver Account. You must live in your first home for at least 6 months: within 12 months of settlement, or on completion of building construction. 7. The fees We do not charge you any fees on your account.

10 8. How to open an account To open an account Fill out the application form. You cannot open a joint account with someone else. If you change your mind We provide a cooling-off period that lets you close your First Home Saver Account within 14 days, with a refund of your deposit. You will need to tell us in writing, within 14 days of opening the account, using the form provided on anz.com. We will refund your deposit, minus any taxes we have paid. You can transfer your savings to another First Home Saver Account provider If you do, we will transfer the savings in your account to your new provider. ANZ will close your old account after your savings have been transferred. 9. Solving problems First Home Saver Account enquiries For information about how First Home Saver Accounts work, including eligibility, limits, government contributions, fees and taxes, and links to savings calculators and other useful online tools visit: Making a complaint If you have a complaint about any of our products or services, ANZ has established complaint resolution procedures set out below: Step 1 Contact Us Your first point of contact for raising concerns or providing feedback is our staff at your local ANZ Branch, Business Centre or our Call Centre. They will do their best to help resolve any issues you may have. Use Locate Us on anz.com to find your nearest ANZ Branch or Business Centre Call our Call Centre on Step 2 Complaint Resolution Centre If you are unhappy with the response you have received or you would like to escalate the matter, you can contact

11 our Complaint Resolution Centre. Our specialists will work closely with you to address your concern quickly and amicably. We will update you regularly until the matter is resolved. Contact details Call our Complaint Resolution Centre toll free on: (8am - 7pm AEST/AEDT weekdays, excluding national public holidays) Lodge online via: anz.com Mail: ANZ Complaint Resolution Centre Locked Bag 4050 South Melbourne VIC 3205; Step 3 ANZ s Customer Advocate If you are not satisfied with the resolution offered by our Complaint Resolution Centre, you can have your complaint reviewed by ANZ s Customer Advocate who provides a free and impartial review to reach a resolution that is fair to you and to ANZ Contact details ANZ Customer Advocate Mail: 6A/833 Collins St Docklands VIC 3008 Call our Customer Advocate on: Further help options Financial Services Dispute Resolution Schemes If you are not satisfied with the outcome of your complaint, you can contact the Financial Ombudsman Service(FOS) within 2 years of our final response. Please note that before FOS can investigate your complaint, they generally require you to have first provided ANZ with the opportunity to address the complaint. Financial Ombudsman Service Ltd (FOS) GPO Box 3 Melbourne VIC 3001 Phone: Fax: Website: ANZ Financial Services License Number

12 10. Privacy and confidentiality ANZ will collect and use information about you during the course of your relationship with ANZ. We explain below when and how ANZ may collect, use and disclose this information. It is important that the information ANZ holds about you is up to date. You must let ANZ know when information you have provided ANZ has changed. Collection, use and disclosure of information ANZ may use and disclose the information we collect about you for the following purposes: to assist in providing information about a product or service; to consider your request for a product or service; to enable ANZ to provide a product or service; to tell you about other products or services that may be of interest to you; to assist in arrangements with other organisations (such as loyalty partners) in relation to the promotion or provision of a product or service; to manage accounts and perform other administrative and operational tasks (including risk management, systems development and testing, credit scoring, staff training, collecting debts and market or customer satisfaction research); to consider any concerns or complaints you raise against ANZ and/or to manage any legal action involving ANZ; to identify, prevent or investigate any fraud, unlawful activity or misconduct (or suspected fraud, unlawful activity or misconduct); to identify you or establish your tax status under any Australian or foreign legislation, regulation or treaty or pursuant to an agreement with any tax authority; and as required by relevant laws, regulations, codes of practice and external payment systems. Absence of relevant information If you do not provide some or all of the information requested, ANZ may be unable to provide you with a product or service.

13 Information required by law etc. ANZ may be required by relevant laws to collect certain information from you. Details of laws that require us to collect information about individuals (personal information) and why these laws require us to collect personal information are contained in ANZ s Privacy Policy and at Providing your information to others ANZ may provide your information to: any related entity of ANZ which may use the information to: carry out ANZ s functions and activities; promote its own products and services; assess your application for one of its products or services; manage your product or service; perform administrative and operational tasks (including debt recovery); or comply with regulatory requirements and prudential standards; an organisation that is in an arrangement with ANZ to jointly offer products and/or has an alliance with ANZ to share information for marketing purposes (and any of its outsourced service providers or agents), to enable them or ANZ to: provide you with products or services; and/or promote a product or service; any agent, contractor or service provider ANZ engages to carry out or assist its functions and activities (for example, mailing houses or debt collection agencies); an organisation that assists ANZ to identify, prevent or investigate fraud, unlawful activity or misconduct; regulatory bodies, government agencies, law enforcement bodies and courts; other parties ANZ is authorised or required by law or court/tribunal order to disclose information to; participants in the payments system (including payment organisations and merchants) and other financial institutions (such as banks); other credit providers; mortgage insurers and any reinsurer of any such mortgage insurer; your guarantors (and intending guarantors) and any person who has provided security for your loan; any person who introduces you to ANZ; your referee(s); your employer;

14 your joint borrower(s) or account holder(s); and your adviser; your authorised agents; your executor, administrator or trustee in bankruptcy; your legal representative; your attorney; or anyone acting for you in connection with your account. If you do not want us to tell you about products or services, phone to withdraw your consent. ANZ may disclose information to recipients (including service providers and ANZ s related entities) which are (1) located outside Australia and/or (2) not established in or do not carry on business in Australia. You can find details about the location of these recipients in ANZ s Privacy Policy and at Credit Reporting ANZ may also disclose personal information, including information about your other credit liabilities, repayments and defaults, to credit reporting bodies. We may also collect this information from credit reporting bodies. Information about credit reporting, including the name and contact details of these credit reporting bodies, when ANZ may disclose your personal information to them to include in a report about your credit worthiness, and how you can request credit reporting bodies not use your information in certain circumstances, is available at If you would like a hard copy of this information, please call or visit any ANZ branch for a copy of ANZ s Privacy Policy. ANZ Privacy Policy ANZ s Privacy Policy ( contains information about: the circumstances in which ANZ may collect personal information from other sources (including from a third party); how to access personal information and seek correction of personal information; and how you can raise concerns that ANZ has breached the Privacy Act or an applicable code and how ANZ will deal with those matters. Collecting sensitive information ANZ will not collect sensitive information about you, such as information about your health, without your consent.

15 Personal information you provide about someone else If you give ANZ personal information about someone else, please show them a copy of this clause so that they may understand the manner in which their personal information may be used or disclosed by ANZ in connection with your dealings with ANZ

16 anz.com Australia and New Zealand Banking Group Limited (ANZ) ABN ANZ s colour blue is a trade mark of ANZ W424305

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