ANZ Simplicity PLUS
ANZ Simplicity PLUS is our basic variable rate home loan that still gives you the ability to make extra repayments to pay it off sooner. ANZ Simplicity PLUS Home Loans are available for periods between of at least 1 year and up to 30 years in duration.
- From (owner occupied)
- 6.39%
- 6.39% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Principal and interest, owner occupier, borrowing less than or equal to 60% of the property value | 6.39% | 6.39% | Loan Amount $50,000+Loan-to-Value Ratio (LVR) ≤60% |
| Variable Principal and interest, owner occupier, borrowing between 60.01% and 70% of the property value | 6.44% | 6.44% | Loan Amount $50,000+Loan-to-Value Ratio (LVR) 60.01–70% |
| Variable Principal and interest, owner occupier, borrowing between 70.01% and 80% of the property value | 6.54% | 6.54% | Loan Amount $50,000+Loan-to-Value Ratio (LVR) 70.01–80% |
| Variable Principal and interest, owner occupier, borrowing between 80.01% and 90% of the property value | 7.09% | 7.09% | Loan Amount $50,000+Loan-to-Value Ratio (LVR) 80.01–90% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Loan Approval Fee We will not charge a Loan Approval Fee/Facility Approval Fee in respect to the establishment of your new loan/facility. Please refer to ANZ Personal Banking General Fees and Charges booklet for further information. | Upfront | $0.00 |
| Valuation Administration Fee We will not charge a Valuation Administration Fee for any valuations we undertake on properties relating to the establishment of your loan/facility. Refer to the ANZ Personal Banking General Fees and Charges booklet for further information. | Event | $0.00 |
| Guarantee Administration Fee We will not charge a Guarantee Administration Fee where a guarantee is taken by us for the purpose of securing your loan/facility. Refer to ANZ Personal Banking General Fees and Charges booklet for further information. | Event | $0.00 |
| Renegotiation Fee (Non Credit Critical) We will not charge a Renegotiation Fee or a further Loan Approval Fee/Facility Approval Fee if we approve an application by you to renegotiate or convert your loan/facility. Refer to ANZ Personal Banking General Fees and Charges booklet for further information. | Event | $0.00 |
| Late Payment Fee Charged when a payment remains unpaid for 30 days or more after it is due. A further fee is payable monthly when the loan continues to be in arrears. Refer to ANZ Personal Banking General Fees and Charges booklet for further information. |
Features
- Digital banking
- Access using ANZ Internet Banking or ANZ App
- Redraw facility
- ANZ Redraw could let you access extra payments you've made to an eligible loan when you need to. You can easily access your redraw funds via ANZ Internet Banking and other convenient ways.
- Fraud protection
- Extra repayments
- Guarantor supported
- Cashback offer — 3000
- If you're buying your first home, you could get $3,000 to spend however you like, plus support from an ANZ First Home Coach. Available to eligible first home buyers with an ANZ home loan of $250,000 or more. Drawdown within 180 days of applying, bonus paid after settlement. Eligibility criteria and T&Cs apply.
Eligibility
- Minimum age — 18 yearsYou must be 18 years of age or older to apply
- Residency status — Australian citizens, New Zealand citizens or Australian permanent residents
- Applicant's primary income is in Australian Dollars
Constraints
- Minimum limit — $50,000.00Minimum loan amount is $50,000
More Information
Published by ANZ under the Consumer Data Right · Last updated 14 May 2026 · Product ID 544ad5cb-7e52-4a30-b1d7-a080abafbfac · View on CDR.gov.au · View Source Data (JSON)