Manage your home loan online
Step-by-step guides for how to manage your home loan in the ANZ goMoney mobile app and Internet Banking, including making a lump sum payment, and re-fixing or topping up your home loan.
Lump sum payment on a home loan
Make a lump sum payment on a Floating ANZ Home Loan
On a floating ANZ Home Loan you can make extra repayments whenever you like.
In ANZ goMoney or Internet Banking , the minimum repayment amount is $100 and you can’t pay off your loan in full. To make a payment less than $100, or pay your loan off in full, call us on 0800 269 4663.
To make a lump sum payment in goMoney or Internet Banking, choose the loan to make the payment to and select Make a lump sum payment. Choose an account to pay from, enter the payment amount, then select Continue. Check and confirm the payment.
Top up your home loan
If you’re renovating, landscaping, or installing insulation or a heating system, you may be able to borrow more on your home loan. This is known as a home loan top up.
If the upgrade you are planning meets our ANZ Good Energy Upgrades criteria, you may be eligible for a great rate with an ANZ Good Energy Home Loan top up.
Apply for a home loan top up in goMoney
- In goMoney select Apply & Open
- Select Top up my home loan
Apply for a home loan top up in Internet Banking
- In Internet Banking select your home loan
- Select Request loan top up
Apply for a home loan top up over the phone
You can apply for a home loan top up by calling us on 0800 269 4663, or +64 4 470 3165 if you’re overseas.
Applying for a home loan
Before you apply for a home loan for the first time, check out the options. It’s important to put together a home loan solution to suit you and your situation.
Property information
Estimated property values are supplied by Valocity.
Find your estimated property value in goMoney or Internet Banking
- In goMoney or Internet Banking select Your home loans
- Your estimated property value is in the 'Your Property' section
Sold property showing or new property not showing in goMoney or Internet Banking
Changes in property ownership can take up to 12 weeks to show in goMoney or Internet Banking.
If you can’t see your new property in goMoney or Internet Banking, check that it is a property type we’re able to provide an estimated property value for.
Property types we can provide an estimated property value for
Estimated property values are usually only available for these property types:
- Residential Dwelling (RD) e.g. houses
- Residential Flats (RF) e.g. flats
- Residential Apartments (RA) e.g. apartments
- Lifestyle Improved (LI) e.g. lifestyle properties
Estimated property value won’t be available if your home loan account is hidden, or if your property is:
- Leasehold
- Bare land
- Recently bought (may take up to 12 weeks to display)
- In the process of being built, or has recently been built
- Not registered in your personal name, or is held in the name of a trust, company, or partnership
- Showing something on the title suggesting it is:
– At risk of hazards such as coastal erosion
– In the red zone or a TC3 property within Christchurch
– Māori owned land or associated with Māori land.
Calculating estimated property values
Estimated property values in goMoney or Internet Banking are an estimated market value on a specific date, calculated by Valocity using a bespoke mathematical model.
Valocity are a leading supplier of property data and analytics. They use the most current data available to produce the estimated property value. This data includes recent comparable sales, property age, floor area and land area.
Estimated property values are updated weekly and are expected to fluctuate, sometimes significantly, week to week.
Valocity doesn’t visit a property. They don’t consider market conditions, the property’s specific features or risks that could affect value.
Re-fixing a home loan
If you’re re-fixing, you can lock in a new interest rate up to 60 days before your fixed rate period ends.
If you have a floating home loan, you can request to fix the rate at any time.
To read about what happens if you change your mind and what happens if you don't re-fix, see Home loan fixed term ending.
Re-fix a home loan in goMoney or Internet Banking
1. In goMoney or Internet Banking, choose a home loan that:
- Has a fixed rate period ending within 60 days
- Is a floating home loan
2. Select Reserve a fixed rate
3. Choose a fixed rate period
4. Choose from the interest rates offered
5. Enter your email address so we can send you a Loan Variation Letter
6. Choose a repayment option and select Next
7. Check your new rate
8. Once you’ve read and accepted the home loan terms and conditions, and the Agreement to reserve an interest rate select Confirm
Your new home loan rate is now reserved. It will take effect when your current rate expires.
You’ll see the fixed rate expiry reminder in goMoney until your old rate expires.
Reserve a fixed rate link not showing in goMoney
If the Reserve a fixed rate option is not appearing in goMoney, you may need to download the latest version of the app. If this doesn’t fix the problem, please call us on 0800 269 4663.
Read about Updating your goMoney app.
Returning to goMoney PIN screen when re-fixing
If you’re having problems trying to refix more than two loans, close and re-open goMoney then try again. You could also try in Internet Banking.
If you’re still having problems, try downloading the latest version of goMoney. Read about Updating your goMoney app.
Download a guide
Important information
This material is for information purposes only. Please talk to us if you need financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296. See our financial advice provider statement (PDF 39KB).
Eligibility criteria and terms and conditions apply to the ANZ goMoney app, Internet Banking, Phone Banking, Voice ID and Pay to Mobile. For details, see our ANZ Electronic Banking Conditions (PDF 138KB).