ANZ Simplicity PLUS
This product is available in different versions. Pick the right version for you here.
The details shown below are for an owner occupier taking out a principal & interest loan of at least $50,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $50,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $50,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan of at least $50,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $50,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $50,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan of at least $50,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan of at least $50,000 with an LVR below 90%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 80% | $50,000 | |
| | Investor | Principal & Interest | < 80% | $50,000 | |
| | Investor | Principal & Interest | 80%-90% | $50,000 | |
| | Investor | Interest Only | < 90% | $50,000 | |
| | Owner Occupier | Principal & Interest | 80%-90% | $50,000 | |
| | Owner Occupier | Principal & Interest | 80%-90% | $50,000 | |
| | Investor | Principal & Interest | < 90% | $50,000 | |
| | Investor | Interest Only | < 90% | $50,000 |
-
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $50,000
-
Investor (Principal & Interest)
LVR < 80%
Loan: $50,000
-
Investor (Principal & Interest)
LVR 80%-90%
Loan: $50,000
-
Investor (Interest Only)
LVR < 90%
Loan: $50,000
-
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan: $50,000
-
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan: $50,000
-
Investor (Principal & Interest)
LVR < 90%
Loan: $50,000
-
Investor (Interest Only)
LVR < 90%
Loan: $50,000
ANZ Simplicity PLUS
3.52% p.a.
3.56% p.a.
$0.00
ANZ Simplicity PLUS
3.52% p.a.
3.56% p.a.
$0.00
3.52% p.a.
3.56% p.a.
$0.00
3.62% p.a.
3.66% p.a.
$0.00
ANZ Simplicity PLUS
3.62% p.a.
3.66% p.a.
$0.00
3.62% p.a.
3.66% p.a.
$0.00
3.82% p.a.
3.73% p.a.
$0.00
ANZ Simplicity PLUS
3.82% p.a.
3.73% p.a.
$0.00
3.82% p.a.
3.73% p.a.
$0.00
4.14% p.a.
4.18% p.a.
$0.00
ANZ Simplicity PLUS
4.14% p.a.
4.18% p.a.
$0.00
4.14% p.a.
4.18% p.a.
$0.00
3.58% p.a.
3.62% p.a.
$0.00
ANZ Simplicity PLUS
3.58% p.a.
3.62% p.a.
$0.00
3.58% p.a.
3.62% p.a.
$0.00
4.14% p.a.
4.18% p.a.
$0.00
ANZ Simplicity PLUS
4.14% p.a.
4.18% p.a.
$0.00
4.14% p.a.
4.18% p.a.
$0.00
4.23% p.a.
4.21% p.a.
$0.00
ANZ Simplicity PLUS
4.23% p.a.
4.21% p.a.
$0.00
4.23% p.a.
4.21% p.a.
$0.00
Mozo Review ANZ Simplicity PLUS Review
Last updated: 21 October 2019.
What's hot:
Investor rates starting from 3.52% (3.56% comparison rate*)
Low owner-occupier rates starting from 3.24% (3.28% comparison rate*)
Up to $3,500 cashback for refinancers (conditions apply)
What's not:
No offset facility
Mozo snapshot:
Whether you’re buying your first home or simply looking to refinance your present mortgage, the ANZ Simplicity PLUS Home Loan could be for you, offering competitive rates starting from 3.24% (3.28% comparison rate*) for owner occupiers, no upfront fees and the flexibility to make extra repayments and pay off your loan sooner. Plus, apply to refinance your existing home loan with ANZ before 31 January 2020 and you could score up to $3,500 cashback, depending on the size of your loan.
Key features:
With the ANZ Simplicity PLUS Home Loan not only will you enjoy low rates starting from 3.24% (3.28% comparison rate*) for owner occupiers or 3.52% (3.56% comparison rate*) for investors with an LVR of 80% or lower, there are no application, legal, valuation, settlement, upfront or service fees and a discharge fee of just $250.
It’s also available to both owner occupiers and investors with an LVR up to 90% or a 10% deposit, though, as usual, rates will get a bit higher as your LVR goes up, and borrowers can get a minimum loan amount for as little as $50k.
Refinancing your existing home loan? Apply with ANZ before 31 January 2020 (and settle by 30 April 2020), and you could get cash back in your pocket! The amount of cashback your eligible for will depend on the size of your loan - the bigger the loan, the more you get back. Here are the details:• A home loan of $150,000 to $249,999 could receive $1,200 cashback
• A home loan of $250,000 to $699,999 could receive $2,500 cashback
• A home loan of $700,000+ could receive $3,500 cashback
You can also make loan repayments to suit your needs as either weekly, fortnightly or monthly repayment options are available, while having the option to select the standard principal and interest repayments or choose to make interest only repayments. The ANZ Simplicity PLUS Home Loan also comes with the advantage of making additional payments on your loan through the extra repayments facility for free and the availability of a redraw facility with no minimum redraw amount. Other features also include the option for repayment holidays and a split account but no offset account.
Who it's good for:
This a great home loan option offering flexibility and savings for both owner occupiers and investors who want to stick with a big bank for their mortgage.
Any catches?
While you will be able to borrow with as little as a 10% deposit with the ANZ Simplicity PLUS, keep in mind that if you have less than a 20% deposit (an LVR higher than 80%), you'll also need to budget for Lenders Mortgage Insurance.
Details
Rates and fees information correct as at 18 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
3.24% p.a.
-
n/a
-
n/a
-
n/a
-
3.28% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$0.00
-
$160.00
Other financial bits
-
$50,000
-
none
-
none
-
80.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes
-
$0.00
-
yes
-
no
-
none
-
none
-
Refinance by 31 January 2020 to receive up to $3,500 cash back depending on the loan amount with an ANZ linked transaction account.
Details
Rates and fees information correct as at 18 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
3.52% p.a.
-
n/a
-
n/a
-
n/a
-
3.56% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$0.00
-
$160.00
Other financial bits
-
$50,000
-
none
-
none
-
80.00%
Features
-
Investor
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes
-
$0.00
-
yes
-
no
-
none
-
none
-
Refinance by 31 January 2020 to receive up to $3,500 cash back depending on the loan amount with an ANZ linked transaction account.
Details
Rates and fees information correct as at 18 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
3.62% p.a.
-
n/a
-
n/a
-
n/a
-
3.66% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$0.00
-
$160.00
Other financial bits
-
$50,000
-
none
-
80.00%
-
90.00%
Features
-
Investor
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes
-
$0.00
-
yes
-
no
-
none
-
none
-
Refinance by 31 January 2020 to receive up to $3,500 cash back depending on the loan amount with an ANZ linked transaction account.
Details
Rates and fees information correct as at 18 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
3.82% p.a.
-
n/a
-
n/a
-
n/a
-
3.73% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$0.00
-
$160.00
Other financial bits
-
$50,000
-
none
-
none
-
90.00%
Features
-
Investor
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes
-
$0.00
-
yes
-
no
-
none
-
none
-
Refinance by 31 January 2020 to receive up to $3,500 cash back depending on the loan amount with an ANZ linked transaction account.
Details
Rates and fees information correct as at 18 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
4.14% p.a.
-
n/a
-
n/a
-
n/a
-
4.18% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$0.00
-
$160.00
Other financial bits
-
$50,000
-
none
-
80.00%
-
90.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes
-
$0.00
-
yes
-
no
-
none
-
none
-
Refinance by 31 January 2020 to receive up to $3,500 cash back depending on the loan amount with an ANZ linked transaction account.
Details
Rates and fees information correct as at 18 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
3.58% p.a.
-
n/a
-
n/a
-
n/a
-
3.62% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$0.00
-
$160.00
Other financial bits
-
$50,000
-
none
-
80.00%
-
90.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes
-
$0.00
-
yes
-
no
-
none
-
none
-
Refinance by 31 January 2020 to receive up to $3,500 cash back depending on the loan amount with an ANZ linked transaction account.
Details
Rates and fees information correct as at 18 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
4.14% p.a.
-
n/a
-
n/a
-
n/a
-
4.18% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$0.00
-
$160.00
Other financial bits
-
$50,000
-
none
-
none
-
90.00%
Features
-
Investor
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes
-
$0.00
-
yes
-
no
-
none
-
none
-
Refinance by 31 January 2020 to receive up to $3,500 cash back depending on the loan amount with an ANZ linked transaction account.
Details
Rates and fees information correct as at 18 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
4.23% p.a.
-
n/a
-
n/a
-
n/a
-
4.21% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
n/a
-
$0.00
-
$160.00
Other financial bits
-
$50,000
-
none
-
none
-
90.00%
Features
-
Investor
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes
-
$0.00
-
yes
-
no
-
none
-
none
-
Refinance by 31 January 2020 to receive up to $3,500 cash back depending on the loan amount with an ANZ linked transaction account.
Customer Reviews
How are ANZ home loans rated by the Mozo community?
Latest reviews of ANZ Simplicity PLUS
- Overall7/10
Competitive.
Safe and reliable but could pass on the drop in interest rates to customers.
Read full review
Safe and reliable but could pass on the drop in interest rates to customers.
Price10/10Features7/10Customer service6/10Convenience9/10Trust10/10Less
Kelly | Victoria
reviewed 12 days ago
- Overall10/10
Would recommend.
ANZ is an excellent bank.
Read full review
ANZ is an excellent bank.
Price10/10Features-1/10Customer service10/10Convenience10/10Trust10/10Less
Jean | Queensland
reviewed 21 days ago
- Overall10/10
Great
Have not had one problem with this home loan. Very happy
Read full review
Have not had one problem with this home loan. Very happy
Price10/10Features10/10Customer service10/10Convenience10/10Trust10/10Less
Barb | New South Wales
reviewed about 2 months ago
- Overall2/10
Bad interest rates
Their low doc loans are great but the interest rates are too high.
Read full review
Their low doc loans are great but the interest rates are too high.
Price3/10Features5/10Customer service2/10Convenience3/10Trust3/10Less
Louis | Victoria
reviewed 3 months ago
- Overall0/10
Horrible
They are horrible
Read full review
They are horrible
Price0/10Features0/10Customer service0/10Convenience0/10Trust0/10Less
Kasie | New South Wales
reviewed 3 months ago
About ANZ
ANZ is one of the largest companies in Australia and New Zealand, with a history that stretches back over 170 years. The bank offers a range of banking and financial products to more than 5.7 million retail customers, including home loans, credit cards and debit cards, personal loans, savings and banking accounts and personal insurance. And now, with its new mobile banking application, ANZ App, it's easier to do banking on the go.
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