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Home Loans

Simplicity PLUS

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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.

Standard Features

Interest Rate 8.67% p.a. - Variable
Magnifying GlassComparison Rate™ * 8.72% p.a.
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

Key Features

Repay loan early Yes - you have the freedom to repay your loan in full at any time. Fees and charges may apply (PDF, 388kb).
Make additional repayments Yes - you can make additional repayments at any time, which means you can pay off your loan faster and save interest
Redraw facility Yes - Redraw allows you to access any additional loan payments you have made
Ability to split loan Yes - Find out more
Draw down loan Yes - over periods up to 12 months.
Fees and charges apply (PDF, 388kb).
Repayment Holiday Yes - Find out more
Interest only payments Yes - up to 10 years.
Minimise your repayments and free up cash by paying interest-only

Fees and Charges

Loan Approval Fee
(LAF) 		$600
Loan Administration Charge Nil
Redraw fee $25 redraw fee, $2,000 minimum redraw (additional conditions apply)
Converting or renegotiating Find out more

For full details of all fees and charges refer to Personal Banking General Fees and Charges (PDF, 168kb)

ANZ. Home Loan Lender of the Year, again. Money magazine's Home Loan Lender of the Year 2007, 2006 and 2005. Personal Investor magazine's Home Lender of the Year 1999-2002, 2004 and 2005.

*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 copy of the Comparison Rate Schedule is available at any ANZ branch or view it online ANZ Comparison Rate Schedule (PDF, 72kb).

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

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