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

Home and Investment Loans Be ready to make your move.

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. 01 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 p04 p05 05 06 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 p14 p15 p16 02 03 04 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 p06 p07 p08 p09 p10 p11 p12 07 08 09 10 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. Important things you need to know. p19 p20 p21 p22 p24 p26 p28 My notes. 2 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. 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 1 or ANZ Deposit Bond (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. 2 We ve been named Home Lender of the Year by both Money magazine and AFR Personal Investor magazine, 12 times since 1999. We also won Best Investor Lender in 2011, 2012 and 2013 at the Australian Lending Awards. 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. 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 1800 035 500 4 5

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. Need help with your deposit? 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 have $ 200,000 that could be available towards your deposit See if an ANZ Security Guarantee 1 or ANZ Deposit Bond (refer to page 10) may work for you. What s equity, anyway? Once you ve bought your home, consider building insurance, and whether you need personal insurance, so that you re covered if something happens. Is this for you? Things to consider Be ANZ Buy Ready TM Get Approval in Principle Ask for free ANZ Property Profile Reports Organise your deposit Is LMI required? If your deposit is not enough First Home Owner Grant Visit www.firsthome.gov.au for more information 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. ANZ Bridging Finance If you need to buy before you can sell, ANZ Bridging Finance 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. Is this for you? Things to consider 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

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 to assist with your cash flow and affordability Get a line of credit to take advantage of investment opportunities Manage a portfolio of several different loans and properties Speak to an ANZ Financial Planner and get financial advice about your investment 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. 3 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 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. 01 02 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 4 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, 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

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. 1 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. 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. $1,342 per month $2,684 per month $3,758 per month 5.5% p.a. $1,419 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. $1,580 per month $3,160 per month $4,424 per month 7% p.a. $1,663 per month $3,327 per month $4,657 per month 7.5% p.a. $1,748 per month $3,496 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. $1,834 per month $3,669 per month $5,136 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. 10 11

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 7 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 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 7 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 Yes - under ANZ Breakfree Package Yes - under ANZ Breakfree Package No Yes - under ANZ Breakfree Package fee waivers 5 Interest rate discounts on ANZ Breakfree Package 6 0.50% p.a. interest rate discount on Total Mortgage Lending $150,000 - $249,000 0.60% p.a. interest rate discount on Total Mortgage Lending $250,000 - $699,999 0.70% 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 0.50% p.a. interest rate discount on Total Mortgage Lending $150,000 - $249,000 0.60% p.a. interest rate discount on Total Mortgage Lending $250,000 - $699,999 0.70% p.a. interest rate discount on Total Mortgage Lending $700,000 or greater 12 13

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 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 7 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 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 gomoney. Only pay interest on what you use Competitive interest rate Manage your own repayment schedule You can even redraw 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. 14 15

Get a bundle of savings and benefits. Here s a summary of your ANZ Breakfree Package benefits: ANZ home loans: ANZ credit card: ANZ Breakfree Package Put your home loan, everyday account and credit card into a neat package and you can get lots of benefits. 5 Interest rate discounts Fee waivers including Loan Approval, Loan Renegotiation and Monthly Account Service fees Unlimited loans under the one package ANZ everyday account: No monthly account service fee Unlimited ANZ transactions in Australia Choose an ANZ Access Advantage, ANZ One offset or ANZ Equity Manager account No annual account fee on one ANZ credit card 8 No Additional Cardholder Fee Other ANZ benefits: Discounts on ANZ Home Insurance, ANZ Landlord Insurance, ANZ Car Insurance and ANZ Mortgage Protection Insurance 9 Discounts on ANZ Financial Planning Adviser Service Fees 10 No fee on ANZ Assured credit facility ANZ home loans ANZ everyday account ANZ credit card Other ANZ benefits An example of how the ANZ Breakfree Package could save you money: Benefit First year savings Ongoing annual savings p.a. You could save over $2,100 in the first year 0.60% p.a. discount on $250,000 ANZ Standard Variable Rate Home Loan and Residential Investment Loan rates $1500 $1500 This package works best if you: No Loan Approval Fee on your ANZ Home Loan $600 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 Discounts on financial advice and insurance No monthly Loan Administration Charge on your ANZ Standard Variable Rate Home Loan No monthly account service fee on one ANZ One offset account No annual account fee on your ANZ Frequent Flyer Platinum credit card account $60 $60 $120 $120 $240 $240 All these great benefits for an annual fee of $375. Minus the annual ANZ Breakfree Package Fee -$375 -$375 To open an ANZ Breakfree Package, your lending must be $150,000 or more of eligible loan types. Your savings $2,145 $1,545 16 17

You have a long list of ANZ Breakfree Package benefits to choose from: Decisions, decisions. Product Benefit Borrowing ANZ Standard Variable Rate Loans and ANZ Equity Manager Interest rate discounts: 6 0.50% p.a. 0.60% p.a. 0.70% p.a. ANZ Total Mortgage Lending: $150,000 - $249,999 $250,000 - $699,999 $700,000 or greater Variable, fixed or split? Choose a variable rate if you: Choose a fixed rate if you: Borrowing ANZ Fixed Rate Loans 0.15% p.a. Any individual loan size 5 Borrowing Everyday banking Everyday banking Everyday banking ANZ Standard Variable Rate Loans ANZ Fixed Rate Loans ANZ Equity Manager ANZ Access Advantage or ANZ One Fees waived: Loan Approval Fee Valuation Administration Fee Renegotiation Fee No monthly account service fee on one account Loan Administration Charge Credit Facility Fee ANZ Assured No Credit Facility Fee Facility limit of $1,000 on ANZ Access Advantage or ANZ One Eligible ANZ credit cards Insurance ANZ Home Insurance 9 Insurance ANZ Landlord Insurance 9 ANZ Mortgage Protection Insurance 9 No annual account fee on one ANZ credit card 8 10% discount on the first year s premium 10% discount on premium Insurance ANZ Car Insurance 9 5% discount on the first year s premium No Additional Cardholder Fee 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. 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. 7 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, 60-40 or some other ratio, it s up to you. Advice ANZ Financial Planning No obligation consultation with an ANZ Financial Planner Up to $220 off the ANZ Financial Planning One-Off Adviser Service Fee for a life insurance recommendation 10 These benefits change from time to time. Please see anz.com/breakfree for the latest benefits and special offers. 18 19

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 to you, including: 3 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 $2,000. 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. 20 21

Some other questions answered. How would fortnightly repayments help me save? How do I keep track of my interest rates? How is interest calculated? 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. 7 $400,000 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 You can see your current interest rate in ANZ Internet Banking. We review our variable home loan interest rates on the second Friday of each month, with any changes taking effect the following Friday. You ll find the results of these reviews at anz.com/ratechanges. If your repayment amount needs to change, we ll notify you in writing. $ anz.com/ratechanges 24.66 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 $300,000 $200,000 (or $739.80 charged for a 30-day month) $100,000 $0 Fortnightly Total interest $299,732 Monthly Total interest $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. 22 23

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 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 www.firsthome.gov.au 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 Arrange building insurance 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 Your conveyancer or solicitor will organise a settlement date and time. Meanwhile: Arrange a pre-settlement inspection Consider ANZ Mortgage Protection Insurance 9 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 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 1800 035 500 Read, sign and return your home loan letter of offer Sign and return your mortgage documents 24 25

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 debit/credit card 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 email 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. 26 27

Important things you need to know. This booklet provides general information current as at the time of production. The information is introductory only and not part of any credit contract. 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 and should not be relied upon as such. 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 13 13 14 before deciding to acquire or hold a particular ANZ product. 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. 1. ANZ recommends that guarantors get independent legal and financial advice before signing a guarantee. 2. Over the past 15 years, ANZ has been awarded Home Lender of the Year by Money magazine in 2012, 2010 and 2008-2005, and Personal Investor magazine in 2005, 2004 and 2002-1999. 3. 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. 4. ANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527. 5. ANZ Breakfree Terms and Conditions apply, including the ANZ Breakfree Package Fee and eligibility criteria. See anz.com/breakfree or ask ANZ for details. 6. ANZ Breakfree terms and conditions apply. Special offers may be available. Please see anz.com/breakfree for details and conditions. 7. 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. 8. A $55 Rewards Program Service Fee will apply with ANZ Rewards (Classic and Platinum) and ANZ Frequent Flyer (Classic and Platinum). 9. ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance are jointly issued by OnePath General Insurance Pty Limited (ABN 56 072 892 365) and QBE Insurance (Australia) Limited (ABN 78 003 191 035) (QBE). ANZ Mortgage Protection Insurance is jointly issued by OnePath Life Limited (ABN 33 009 657 176) and QBE. ANZ recommends that you read the relevant ANZ Home Insurance, ANZ Landlord Insurance, ANZ Car Insurance and ANZ Mortgage Protection Insurance Product Disclosure Statement and Policy, available by calling 13 16 14 or visiting anz.com before deciding whether to acquire, or to continue to hold, any of these products. ANZ will receive from the issuers a commission of up to 16% of your premium (excluding government charges and taxes) for ANZ Home Insurance and ANZ Landlord Insurance, up to 10% of your premium (excluding government charges and taxes) for ANZ Car Insurance, and up to 20% of your premium (excluding government charges and taxes) for ANZ Mortgage Protection Insurance. In addition to their salary, ANZ staff members may receive monetary and non-monetary benefits depending on the product they are selling or providing advice on. 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. 10. The discount of up to $220 off the ANZ Financial Planning One-Off Adviser Service Fee only applies to life insurance recommendations and upon you notifying your ANZ Financial Planner that you are an ANZ Breakfree Package customer. The discount is available once per ANZ Breakfree Package. Any other advice not related to life insurance may attract additional Adviser Service Fees. ANZ Financial Planners are representatives of Australia and New Zealand Banking Group Limited ABN 11 005 357 522, the holder of an Australian Financial Services Licence. ANZ Buy Ready and ANZ gomoney are each a trade mark of Australia and New Zealand Banking Group limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527. Want to apply for a home loan? Just call 1800 035 500 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 13 25 12 For more information go to anz.com/home-loans 28 29

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Australia s most awarded home lender Find out more Visit your nearest ANZ branch Visit anz.com/home-loans Call us on 1800 035 500, Monday to Friday, 8am to 9.30pm (AEST) Saturday to Sunday, 8am to 4.30pm (AEST) Have an ANZ Mobile Lender come to you facebook.com/anzaustralia Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Financial Services Licence Number and Australian Credit Licence Number 234527. ANZ s colour blue is a trade mark of ANZ. 73753 09.2013 W358652 @anz_au youtube.com/anzaustralia