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
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 fees and the flexibility to make extra repayments and pay off your loan sooner.
With the ANZ Simplicity PLUS Home Loan not only will you 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 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.
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.
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.
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.
If you are an existing ANZ home loan customer, you won't be able refinance to the special offer rate as it is only available for new or additional ANZ lending
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
$0.00
$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
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
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
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
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
80.00%
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes
$0.00
yes
no
none
none
none
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
$0.00
$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
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
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
My rate has come down a bit, it helps!
Read full reviewMy rate has come down a bit, it helps!
20+ years with the Bank. Had a pre-approval from another provider. Constant calls from lending manager at ANZ promising a better deal etc etc, got sucked in. Found a good property, school location and all, went ahead in anticipation of all the promises marketed. After weeks of emails and calls and papers (your file is in Bangalore, it's now with Credit coach somewhere), eventually ANZ decided not to lend, impacting credit score and jeopardising other approval. No one you can speak to directly to make sense of why and what. The lending manager who kept pushing to sign up now goes cold. The property snapped by someone else and the refusal has just made it difficult to get a loan from other providers. Just derailed your home ownership dream!!!
Read full review20+ years with the Bank. Had a pre-approval from another provider. Constant calls from lending manager at ANZ promising a better deal etc etc, got sucked in. Found a good property, school location and all, went ahead in anticipation of all the promises marketed. After weeks of emails and calls and papers (your file is in Bangalore, it's now with Credit coach somewhere), eventually ANZ decided not to lend, impacting credit score and jeopardising other approval. No one you can speak to directly to make sense of why and what. The lending manager who kept pushing to sign up now goes cold. The property snapped by someone else and the refusal has just made it difficult to get a loan from other providers. Just derailed your home ownership dream!!!
Very good rates and great customer service - can easily get to whom I need to speak to through the app. The app could do with more functionality and choice for the customer. For example, I can't turn off voice ID for transactions over a certain value (I would rather use a number generator).
Read full reviewVery good rates and great customer service - can easily get to whom I need to speak to through the app. The app could do with more functionality and choice for the customer. For example, I can't turn off voice ID for transactions over a certain value (I would rather use a number generator).
Solid bank, gave us options others wouldn't. Sign up process was a bit tedious as it has been when applying for other accounts through ANZ as well. Good customer service since though.
Read full reviewSolid bank, gave us options others wouldn't. Sign up process was a bit tedious as it has been when applying for other accounts through ANZ as well. Good customer service since though.
Have tried many times to negotiate a better interest rate. The bank is simply not interested in providing a service or helping me out.
Read full reviewHave tried many times to negotiate a better interest rate. The bank is simply not interested in providing a service or helping me out.
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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