ANZ offers a maximum of $3,000 to eligible first home buyer applicants, subject to the terms and conditions of the Offer

1. The promoter of ANZ’s ‘First Home Buyer Bonus Offer’ home loan promotion (“the Offer”) is Australia and New Zealand Banking Group Limited ABN 11 005 357 522 of Level 9, 833 Collins Street, Docklands, Victoria, 3008 (ANZ).

2. ANZ offers a maximum of a single payment of $3,000 to be credited to a nominated Eligible ANZ Account (as detailed at clauses 4(l), 5(h) and 6 below) to eligible first home buyer applicants in respect of an Eligible Application, subject to the terms and conditions of the Offer.

3. Eligible Applicants agree to be bound by these terms and conditions by applying for an Eligible ANZ Home Loan.

4. In these terms and conditions:

(a) ANZ means Australia and New Zealand Banking Group Limited ABN 11 005 357 522 and its related bodies corporate or any of its agents or contractors from time to time;

(b) New to ANZ Lending means the amount of new credit offered by ANZ and may include multiple new home loans with ANZ so long as:

1. At least one of the home loan applications meet the Eligible Loan Purpose.
2. All included home loans are applied for from 1 December 2022 (Note: Offer may be amended or withdrawn at any time).
3. The relevant Applicant(s) on all included home loan application(s) is the same.
4. The included home loans are drawn down within 180 days from Apply date.

(c) Applicant means the individual named as Sole Owner, Co-Owner First or Co-Owner Other in respect to the Eligible Home Loan Application(s) but excluding Power of Attorney, Third Party Signatories and Guarantors.

(d) First Home Buyer is defined as All Applicants (excl. guarantors) must be a First Home Buyer, which excludes those who have previously owned a home or other residential property in Australia either jointly or separately.

(e) Apply means you as an individual or co-borrower have enquired via ANZ, Broker or Other third party channels and a subsequent Home Loan Application Number(s) has been created on ANZ systems in your name(s);

(f ) Apply Date means the date in respect to the Home Loan Application Number(s) open or start date on ANZ systems;

(g) Eligible Application means the Home Loan Application Number(s) that meet all the Eligibility Criteria as per the Eligibility Criteria section;

(h) Eligible Loan Purpose means for:

1. Purchase a Residential Property for Owner Occupation (First Home Buyer)
2. Construction of Residential Property for Owner Occupation (First Home Buyer)
3. The Eligible Loan Purpose (i.e First Home Buyer) must be marked within the Home Loan application on ANZ systems.

(i) Eligible ANZ Home Loan means an:

1. ANZ Standard Variable Rate Home Loan
2. ANZ Fixed Rate Home Loan
3. ANZ Simplicity PLUS Home Loan
4. ANZ Simplicity PLUS Home Loan structured as a construction loan
5. ANZ Standard Variable Rate Home Loan structured as a construction loan

(j) Ineligible Home Loan means an:

1. ANZ Standard Variable Rate Residential Investment Loan
2. ANZ Standard Variable Rate Residential Land Loan
3. ANZ Fixed Rate Residential Investment Loan
4. ANZ Simplicity PLUS Residential Investment Loan
5. ANZ Interest-in-Advance Residential Investment Loan
6. ANZ Equity Manager
7. ANZ Equity Manager in a Company Name.
8. ANZ Fixed Rate Residential Investment Loan in a Company Name
9. ANZ Standard Variable Rate Residential Land Loan in a Company Name
10. ANZ Standard Variable Rate Residential Investment Land Loan in a Company Name
11. ANZ Interest-in-Advance Residential Investment Loan in a Company Name
12. ANZ Personal Loans
13. ANZ Business and Commercial Loans
14. ANZ Standard Variable Rate Residential Investment Land Loan
15. ANZ Standard Variable Rate Home Loan in a Company Name
16. ANZ Fixed Rate Home Loan in a Company Name
17. ANZ Standard Variable Rate Residential Investment Loan in a Company Name
18. Short term loan arrangements, which includes, for avoidance of doubt, bridging finance
19. Other line of credit products
20. Other products not listed as an Eligible Home Loan
21. Additional Lending under an existing ANZ home loan
22. Restructure of an existing ANZ home loan

(k) Drawdown Date means the date when the funds are dispersed to the home loan account.

(l) Eligible ANZ Account means a linked ANZ Access Advantage, ANZ One Offset or ANZ Plus account in the name of the borrower(s) at the time of drawdown to receive this Offer.

(m) Offer means this ‘First Home Buyer Bonus Offer’

5. You are eligible to participate in this Offer if:

(a) You Apply with an Apply Date from 1 December 2022 until the time the Offer is withdrawn (Note: Offer may be amended or withdrawn at any time);

(b) You are an Applicant in respect to the application(s);

(c) You have not exceeded the Offer Maximum and Exclusions;

(d) Your application(s) to ANZ relates to the Eligible Loan Purpose;

(e) Your application(s) to ANZ relates to one or more Eligible ANZ Home Loan(s) with New to ANZ Lending of $250,000 or more;

(f ) You drawdown that Eligible ANZ Home Loan(s) within 180 days from applying;

(g) If the application(s) to ANZ relates to one or more Eligible ANZ Home Loan and one or more Ineligible ANZ Home Loan, the Lending Amount for the Ineligible ANZ Home Loan is excluded as New to ANZ Lending for the purposes of this Offer;

(h) The applicant(s) must have an Eligible ANZ account, being an ANZ Access Advantage, ANZ One Offset or ANZ Plus account in the name of the borrower(s) at the time of drawdown to receive this Offer. In the case of Joint Home Loan Applications where you do not have a Joint Eligible ANZ account and you have not nominated which ANZ Access Advantage, ANZ One Offset or ANZ Plus account you would like the First Home Buyer Bonus amount paid into, ANZ
may choose to pay the First Home Buyer Bonus amount into an ANZ Access Advantage, ANZ One Offset or ANZ Plus account in the name of one of the eligible applicants.

(i) You have not previously successfully applied to participate in this Offer, or redeemed an ANZ home loan offer or promotion, or received a rebate or benefit from ANZ within the 12-month period prior to applying for this Offer.

6. A maximum of one single bonus amount may apply irrespective of the number of applicants, applications, loans or securities

Subject to meeting the eligibility criteria as outlined by the eligibility criteria section:

Account Payable:

7. The applicant(s) must have an ANZ Access Advantage, ANZ One Offset or ANZ Plus account in the name of the borrower(s) at the time of drawdown to receive this Offer.

8. If the applicant(s) do not have an ANZ Access Advantage, ANZ One Offset or ANZ Plus account in the name of the borrower(s) they may request to have one opened as part of their Home Loan Application or request to have one opened through any ANZ Branch or Contact Centre.

9. If the applicant(s) do not have a linked ANZ Access Advantage, ANZ One Offset or ANZ Plus account in the name of the borrower(s) at the time of drawdown to receive this Offer, ANZ may not process a bonus payment.

Claim Process:

10. The applicant(s) may claim by nominating which of their ANZ Access Advantage, ANZ One Offset or ANZ Plus account to their Broker or ANZ Lender after applying for the Eligible ANZ Home Loan.

11. The Broker or ANZ Lender must submit the First Home Buyer Bonus Offer Claim Form on behalf of the applicant(s) within 14 days of drawdown for a First Home Buyer Bonus payment to be made by ANZ to the nominated account subject to meeting the eligibility criteria for this Offer.

12. If ANZ has not received a valid First Home Buyer Bonus Offer Claim Form, however, the application has the Eligible Loan Purpose and qualifies for this Offer, ANZ will automatically choose an Eligible ANZ Account (if available) to process the payment within 60 days from drawdown.

13. If ANZ has not received a First Home Buyer Bonus Offer Claim Form and the application does not have the Eligible Loan Purpose, the application does not meet the eligibility criteria and does not qualify for this Offer.

14. Except as required by law, ANZ makes no representations or warranties with respect to this Offer or any benefits or entitlements under the Offer.

15. You acknowledge and agree that you are solely responsible for any taxation liability you may incur in relation to your participation in the Offer or your Eligible ANZ Home Loan, and any associated taxation implications.

16. Without limiting any other provision of these terms and conditions:

(a) This Offer is not available in connection with, or in addition to, any other ANZ home loan offer, promotion, rebate or benefit (including an offer of Qantas Points).

(b) This Offer can only be redeemed by an Eligible Applicant once regardless of the number or aggregate amount of Eligible ANZ Home Loan Application(s) the Eligible Applicant(s) may have (for example, if you have Eligible ANZ Home Land Loan for $300,000, and an ANZ Standard Variable Rate Home Loan structured as a construction loan for $500,000; you are still only eligible to participate in this Offer once to a maximum of a single bonus payment of $3,000).

(c) If any of the Eligible Applicant(s) have redeemed an ANZ home loan offer or promotion, or received a rebate or benefit, within the 12 months prior to the date they Apply for an Eligible ANZ Home Loan, the Eligible Applicant(s) will be ineligible to participate in this Offer

17. ANZ may vary these terms and conditions from time to time, including by:

(a) adding, withdrawing or substituting any benefits available to you under the Offer;

(b) changing the applicable bonus amount;

(c) changing the circumstances or time at which the applicable bonus amount will be credited into an ANZ Access Advantage, ANZ Offset Account or ANZ Plus account;

(d) changing the eligibility criteria or requirements that must be met to receive a First Home Buyer Bonus Offer payment; or

(e) changing the duration of the Offer or the period of time in relation to which the First Home Buyer Bonus Offer payment is available;

18. ANZ may terminate or withdraw this Offer at any time without prior notice.

19. ANZ may reject, cancel, or reverse a First Home Buyer Bonus Offer payment if it has reasonable grounds to believe that a person’s conduct or dealings with respect to an Eligible ANZ Home Loan, the Offer or any other dealings with ANZ may be fraudulent or otherwise illegal.

20. If you are not satisfied with any change or variation ANZ makes to the Offer, you can terminate your participation at any time by providing notice to ANZ.

21. ANZ reserves the right:

(a) to disqualify any person who participates in the Offer but does not comply with these terms and conditions or who tampers with the Offer process.

22. Failure by ANZ to enforce any of its rights at any stage does not constitute a waiver of those rights. Errors and omissions will be accepted at ANZ’s discretion.

23. All applications for credit, including for Eligible ANZ Home Loans, are subject to ANZ’s credit approval criteria. Terms and conditions, fees and charges, and other eligibility criteria apply.

24. These terms and conditions are:

(a) separate to the terms and conditions of each applicable Eligible ANZ Home Loan; and

(b) do not form part of the credit contract for any of your Eligible ANZ Home Loans.

To the extent of any inconsistency between these terms and conditions and the terms and conditions of your Eligible ANZ Home Loan, the terms and conditions of your Eligible ANZ Home Loan prevail.