Simplicity PLUS

The ANZ Simplicity PLUS Home Loan offers you a low variable interest rate for the life of the loan. You will not pay for any extra features you don't need and you can make additional repayments at any time to help you pay off your loan sooner.

Right now and for a limited time if you apply for a new home loan or switch your existing home loan, you’ll not only get our great rates, you’ll also get 0.10% p.a. discount for new or additional home or residential investment lending (whether individual or combined) for an amount of $250,000 or more:

After beating hundreds of other loans, ANZ is Australia’s most awarded home lender*, offering great rates and dedicated home loan specialists to guide you through the process.

Loan approval fee (LAF)
$600
Loan administration charge
Nil
Redraw fee
Nil, $2,000 minimum redraw (additional conditions apply).
Converting or renegotiating

Renegotiation fee

$200 - If no change to the loan term, amount or security and no change to interest only repayments.

$350 - If changing loan term, amount, security, changing repayments to interest only or renewing your existing fixed rate loan term.
Repay loan early

Yes - you have the freedom to repay your loan in full at any time. Fees and charges apply.

Redraw facility
Yes - redraw allows you to access any additional loan payments you have made
Ability to split loan
Interest only payments
Yes - up to 10 years. Minimise your repayments and free up cash by paying interest-only
Repayment holiday
Draw down loan

Yes - over periods up to 12 months. Fees and charges apply.

Apply now

Interest rate
Comparison rate**
Loan term
Maximum 30 years
Minimum amount
$50,000
Maximum amount
95%^ of the valuation of the security property
Lenders Mortgage Insurance
Required if amount borrowed is more than 80% of the valuation of the security property

 

Ways to apply for a home loan

Telephone icon Call us direct on 1800 100 641

*Money magazine Home Lender of the Year Award 2010, 2008, 2007, 2006 and 2005, and AFR Smart Investor Magazine Home Lender of the Year Award 2005, 2004, 2002, 2001, 2000 and 1999. Australian Lending Awards, Mortgage Lender of the Year 2011 and Best Investor Lender 2011. The Australian Lending Awards is an independent initiative of The Adviser and specialist research and advisory firm RFI.

**Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.

^Available for eligible existing ANZ customers who have had a retail lending product for greater than 6 months with a satisfactory credit history

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 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.

A copy of the Comparison Rate Schedule is available at any ANZ branch or view it online ANZ Comparison Rate Schedule (PDF 64kB).

Terms and conditions available on application. Fees and charges apply.

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