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.
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.
(View current rates) - variable
Yes - you have the freedom to repay your loan in full at any time. Fees and charges apply.
Yes - over periods up to 12 months. Fees and charges 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. |
How to apply
*Money Magazine Home Lender of the Year Award 2012, 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 Award 2011 and Best Investor Lender Award 2011 and 2012. The Australian Lending Awards is an independent initiative of The Adviser and specialist research and advisory firm RFI. ANZ’s Home Loan range achieved 5 stars across all of CANSTAR’s mortgage rating profiles.
1. 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.
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. A Comparison Rate schedule is available at any ANZ branch.
A copy of the comparison rate schedule is available at any ANZ branch or download ANZ Comparison Rate Schedule (PDF 64kB).
The rates applicable for interest paid annually, monthly, quarterly or semi-annually in advance are available on application at any ANZ branch.
Terms and conditions available on application. Fees and charges apply.
2. The Loan Approval Fee (LAF) is waived under the ANZ Breakfree Package.
3. Terms and Conditions and eligibility criteria apply to redraw. Redraw is not available on loans in a company name. Minimum redraw amount is $2,000. For further information on redraw please refer to the ANZ Consumer Lending Terms and Conditions (424kB).
4. Subject to credit approval criteria. Eligible existing ANZ customers must have had a retail lending product for greater than 6 months with a satisfactory credit history.
5. Terms and Conditions, fees and charges apply please refer to the ANZ Consumer Lending Terms and Conditions (424kB). Alternatively please visit any ANZ branch or phone the Home Loan Hotline on 1800 035 500, 8:00am to 9:30pm (AEST), Monday to Friday, 8:00am to 4:30pm (AEST) Saturdays and Sundays
Terms and conditions, fees and charges and eligibility apply. All applications for credit are subject to ANZ’s normal credit approval criteria.
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