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 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 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%-90% | $50,000 | |
| | Owner Occupier | Principal & Interest | 80%-90% | $50,000 | |
| | 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 | |
| | Investor | Principal & Interest | < 90% | $50,000 | |
| | Investor | Interest Only | < 90% | $50,000 |
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan: $50,000
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan: $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
Investor (Principal & Interest)
LVR < 90%
Loan: $50,000
Investor (Interest Only)
LVR < 90%
Loan: $50,000
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 2.72% (2.76% comparison rate*) for owner occupiers, no upfront or ongoing fees, and the flexibility to make extra repayments and pay off your loan sooner.
With the ANZ Simplicity PLUS Home Loan, you can enjoy low rates starting from 2.72% (2.76% comparison rate*) for owner occupiers or 3.12% (3.16% comparison rate*) for investors with an LVR of 80% or lower. there are also zero application, legal, valuation, settlement or ongoing service fees to worry about, and a discharge fee of just $160 to budget for.
This loan is 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. Either way, borrowers can get a minimum loan amount of as little as $50k.
You can also make loan repayments to suit your needs, as weekly, fortnightly or monthly repayment options are all available. The ANZ Simplicity PLUS Home Loan also comes with the advantage of allowing you to make additional repayments on your loan and to access a fee-free redraw facility should you need those extra funds later on. Plus you'll have the option to split your loan into variable and fixed rates.
This a great home loan option offering flexibility and decent rates to borrowers who want to stick with a big bank for their mortgage.
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.
2.98% p.a.
n/a
n/a
n/a
3.02% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$0.00
n/a
$0.00
$160.00
$50,000
none
80.00%
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes
$0.00
yes
no
none
none
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
3.74% p.a.
n/a
n/a
n/a
3.78% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$0.00
n/a
$0.00
$160.00
$50,000
none
80.00%
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes
$0.00
yes
no
none
none
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
2.72% p.a.
n/a
n/a
n/a
2.76% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$0.00
n/a
$0.00
$160.00
$50,000
none
none
80.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes
$0.00
yes
no
none
none
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
3.12% p.a.
n/a
n/a
n/a
3.16% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$0.00
$160.00
$50,000
none
none
80.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes
$0.00
yes
no
none
none
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
3.22% p.a.
n/a
n/a
n/a
3.26% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$0.00
$160.00
$50,000
none
80.00%
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes
$0.00
yes
no
none
none
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
3.32% p.a.
n/a
n/a
n/a
3.23% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$0.00
$160.00
$50,000
none
none
90.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
yes
yes
$0.00
yes
no
none
none
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
3.74% p.a.
n/a
n/a
n/a
3.78% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$0.00
$160.00
$50,000
none
none
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes
$0.00
yes
no
none
none
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
3.73% p.a.
n/a
n/a
n/a
3.71% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$0.00
$160.00
$50,000
none
none
90.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
yes
yes
$0.00
yes
no
none
none
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
They helped me a lot when my ID was stolen and I had lost much money (which I got back thanks to them). Also they gave us a much reduced home loan interest rate.
Read full reviewThey helped me a lot when my ID was stolen and I had lost much money (which I got back thanks to them). Also they gave us a much reduced home loan interest rate.
Homeloan pre approval process is thorough and straightforward. You get just the one person to deal with who sticks with you if you decide to fully apply. Loan application proper is very easy if you've already done pre approval. And you'll still get the same loans officer as pre approval which is fantastic. I bought a house during covid19 in Victorian lockdown and ANZ had a workable solution for every situation that cropped up. Interest rates are not the best, not the the worst, but they are truly all over customer service and understanding any unique situations or needs that crop up. Really good bank (for home loans) for women of all ages. I highly recommend.
Read full reviewHomeloan pre approval process is thorough and straightforward. You get just the one person to deal with who sticks with you if you decide to fully apply. Loan application proper is very easy if you've already done pre approval. And you'll still get the same loans officer as pre approval which is fantastic. I bought a house during covid19 in Victorian lockdown and ANZ had a workable solution for every situation that cropped up. Interest rates are not the best, not the the worst, but they are truly all over customer service and understanding any unique situations or needs that crop up. Really good bank (for home loans) for women of all ages. I highly recommend.
The bank doesn’t pass on the interest cuts pronto. When negotiating the interest rate they have a fixed limit not the Reserve Bank limit, greedy. Customer service is OK.
Read full reviewThe bank doesn’t pass on the interest cuts pronto. When negotiating the interest rate they have a fixed limit not the Reserve Bank limit, greedy. Customer service is OK.
Large bank so not personal at all. We have been with them for 3-4 yrs and they have not called to see how we are going. It would be nice to hear from time to time but nothing.
Read full reviewLarge bank so not personal at all. We have been with them for 3-4 yrs and they have not called to see how we are going. It would be nice to hear from time to time but nothing.
This is my second ANZ home loan and I love the flexibility of being able to make weekly payments as I pay extra each week and I can redraw if I need to access the extra I have paid.
Read full reviewThis is my second ANZ home loan and I love the flexibility of being able to make weekly payments as I pay extra each week and I can redraw if I need to access the extra I have paid.
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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1.84% p.a.
$0.00
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
