HOME LOANS
ANZ Plus, 2022-2025
I was the sole designer behind ANZ Plus' home loan experience for existing customers. The goal: a loan that changes with you, and helps you own your home sooner.
Problem
Home loans are a 30 year relationship. But for most, the experience effectively ends at settlement, leaving customers without visibility, control, or support across the life of their loan.
ANZ Plus saw an opportunity to change that. The goal was to build a home loan experience that stayed relevant and useful across the full life of the loan. One that could flex as customers' lives changed, give them the control and visibility they'd never had before, and actively help them own their home sooner.
Role
I was the sole designer across the full post-settlement home loan experience, working across three squads simultaneously and responsible for the information architecture that everything else was built on. That meant maintaining design consistency and momentum across teams that were moving at different speeds and had different priorities.
Money
Accounts
Payments
Property
Support
Getting Ahead
Explore Options
Loan Progress
Track Your Loan
6.8%
Activity
Insights
Manage
Loan Balance
-$559,183.43
Redraw Amount $10,357.93
Property
Home Loan
Showing customers how their extra contributions affect their loan, giving visibility where the experience previously offered none.
Approach
ANZ Plus' home loan was informed by years of learnings and customer pain points from ANZ's existing product, with a vision to go further: to build a home loan that changes with your life changes and ends the silence that follows settlement. The experience was structured around three core areas: activity and transactions, insights and progress visualisation, and self-service loan management.
New design patterns were created to handle the complexity that home loans demand and scenarios that simply don't exist in everyday banking products. Designs were tested with customers before release, iterated based on feedback, and retested when changes were significant enough to warrant it.
Hardest challenge
Offset was the most scrutinised feature in the product. It touches the majority of ANZ Plus home loans, which meant significant internal focus, strong opinions on scope, and high expectations from the start. The design had to be ambitious enough to be meaningful, grounded enough to be buildable, and considered enough to account for the complexity of joint home loan scenarios where not all account holders have equal visibility into shared finances.
Estimated Savings
-$9
Next 30 days
Offset Fee
$10/month
Renews 5 Sep 2025
Offset
You can turn offset on or off at any time. A non-refundable fee may apply when you turn on offset.
ANZ Plus Everyday
Alex Summers
011000 103847581
$254.72
Joint ANZ Plus Everyday
Alex & Dale Summers
011000 10384759
$23,967.23
Confirm
Manage
Manage
Work covered
Across three squads and three years, the work spanned the full post-settlement home loan lifecycle.
Information architecture
Structural foundation for home loans, 2022
Managing loan repayments
Delivered 2023
Loan progress, estimated time saved
Delivered 2024
Offset accounts
Delivered 2024
Managing property use
Delivered 2025
Managing rate types (P&I, IO)
Ready to ship
Borrowing additional funds
Ready to ship
Not every initiative made it to release. An organisational restructure shifted ANZ Plus' direction on home loans partway through, a reflection of how much ground the team was covering, not how little was delivered.