Buying your next home?
See our home loan tools, articles and resources to help you explore your home loan options. We'll help you get to a good place.
ANZ Simplicity PLUS
Get a competitive variable interest rate and pay no ANZ set up or ongoing feesdisclaimer on your home loan. 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.
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The information on this page does not apply to ANZ Plus products
$2,000 cashback when you refinance an eligible home loan
Get $2,000 cashback when borrowing 80% or less of the property
On eligible loans of $250,000 or more refinanced to ANZ (including any new lending as part of the refinance). See our terms and conditions below.disclaimer
$3,000 bonus for first home buyers
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.disclaimer
Featured variable rate
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Interest rate with special offer discountdisclaimer when borrowing 60% or less of the property valuedisclaimeron owner occupied home loan with principal and interest repayments.
Get a competitive interest rate and basic features (no offset).
A variable home loan means the interest rate that's applied to your home loan can change whenever your lender changes the rate. This means your minimum repayments decrease when interest rates go down, or increase when rates go up.
ANZ Simplicity PLUS is our basic variable home loan. It's a no frills loan that still gives you flexibility in how you manage your repayments.
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Other home loan options to consider
If you're looking for more features like an offset account to help save on interest (a fee of $10 per month applies), check out our ANZ Standard Variable home loan - our most flexible variable home loan with plenty of features to help suit your needs.
If you'd like more certainty in your home loan repayments, consider our ANZ Fixed Rate home loan. You could also split your loan into part variable, part fixed.
- No ongoing fees
You won’t pay any ANZ set up or ongoing fees on your home loan.disclaimer - Discounted interest rate
Get a discounted interest rate based on your Loan to Value Ratio (LVR). Higher discounts may apply if your LVR is 80% or less. - Pay your loan off sooner
Make additional repayments whenever you can, with no fee. - Redraw funds if you need to
Need to access some cash? If you've made additional repayments, you may be able to access these funds using ANZ Redraw.disclaimer - Draw down the loan progressively as you build
If you're constructing a property, your loan can be drawn down over a period of up to 24 months. - Make interest only repaymentsdisclaimer
You can apply to make interest only repayments for an agreed term (maximum 10 years for residential investment loans).disclaimer Making interest only repayments may suit you in some circumstances.
Need help choosing an ANZ home loan?
We've got just the tool! Use our home loan comparison tool to easily compare our Basic Variable rate loan with other ANZ home loan options.disclaimer
We've made it simpler for you
You can apply for both an eligible ANZ Home loan and ANZ Credit Card togetherdisclaimer through one streamlined application process and no additional credit check.disclaimer And remember, there are no ANZ set up or ongoing fees on ANZ home loans.disclaimer
Freedom from ongoing home loan fees
Fee freedom. Sounds good, doesn't it?
With our new simpler home loan fee structure you'll only pay for the features you choose to use, and you won't be charged any ANZ set up or ongoing fees.disclaimer
Here are all the fees you won’t be charged on your home loan, plus some facts and figures you should know.
The fees and charges shown are current and applicable for loans applied for on or from 19 March 2022. For further information, see ANZ Personal Banking General Fees and Charges (PDF).
Compare our variable home loans
| Simplicity PLUS | Standard Variable Rate | |
Interest ratedisclaimer (Owner occupied, Principal and Interest repayments, LVR greater than 80%) |
disclaimer | disclaimer |
| Comparison ratedisclaimer | ||
| Link an ANZ One offset account | No | Yes |
| ANZ Redraw | Yes | Yes |
| ANZ set up or ongoing feesdisclaimer | $0 | $0 |
| Minimum new loan amount | $50,000 | $20,000 |
| Interest only paymentsdisclaimer for a home to live in | No | Yes, up to five years |
| Interest only paymentsdisclaimer for a residential investment property | Yes, up to 10 years | Yes, up to 10 years |
Loan to Value Ratio Calculator
You may be able to apply for a discounted interest rate based on your Loan to Value Ratio (LVR).
Your LVR is the amount you're looking to borrow, divided by the value of the property you want to
Connect with our home loan specialists or apply
Our ANZ Home Loan Specialists can help you with a whole range of things, such as:
- Applying for a new home loan
- Refinancing a home loan
- Managing your existing loan
- Helping you understand your ANZ Home Loan options so you can make your next move with confidence
Get support in a number of ways:
Let us come back to you
Provide your details and one of our Home Loan Specialists will contact you via phone or email.
Response time is 1-3 days.
Make an appointment
Discuss your needs with one of our home loan specialists over the phone or at your nearest branch.
Call us now
With extended hours, you can get in touch with someone quickly.
Monday-Friday 8am-8pm (Sydney/Melbourne time)
Meet with an ANZ Mobile Lenderdisclaimer
ANZ Mobile Lenders will go the extra mile with the experience and knowledge to navigate all ANZ home loans. Enjoy the convenience of meeting wherever and whenever suits you best. ANZ Mobile Lenders are dedicated ANZ Home Loan Specialists who can provide personalised service where and when it suits you.
Start your application online
Kick things off online and an ANZ Home Loan Specialist will contact you to help with the remainder of the application process.
Talk to your broker
You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.
The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF) before acquiring any product.
Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply. Australian credit licence number 234527.
The target market for these products can be found within the product’s Target Market Determination, available here.
Repayment Calculator
All applications for credit are subject to ANZ credit approval criteria. Product terms and conditions are available on application.
This is an estimate for illustrative purposes only and is based on the limited information provided. It does not constitute an offer of credit. To apply for an ANZ Home Loan you must complete an application.
The estimated repayment amount does not include any fees or charges.
If a Variable Rate Loan is selected, the interest rate will be subject to change throughout the term of the Loan, which can impact on repayment amounts.
Results are based on approximate amortised scheduled repayments and do not take into account interest rate changes or other events that may change repayment amounts on a loan.
For fixed rate loans, once the fixed rate period expires, the loan reverts to a standard variable rate loan and repayment amounts will change.
For interest only loans, once the interest only period expires, the loan will revert to the applicable variable principal and interest rate for the remainder of the loan term (unless another interest only period is taken). At the end of the interest only period, minimum repayment amounts may increase to cover principal and interest. Interest only loans are not for everyone and you should consider if this is the right strategy for you.
Where a custom fixed or interest only rate has been selected, once the fixed or interest only period expires, the loan reverts to a standard variable rate loan with principal and interest repayments. In calculating these repayments, the repayment calculator will use the standard variable rate that most closely aligns with the Loan to Value Ratio (LVR) implied by the custom rate selected.
Interest rates are current as at and are subject to change.
ANZ Home Loans are available for periods between of at least 1 year and up to 30 years in duration.
ANZ Home Loans are available for a minimum of $20,000 for new Standard Variable and new Fixed Rate loans and $50,000 for new Simplicity PLUS home loans. This calculator has been set to a maximum of $9,900,000 but you can apply for a higher amount.
Applications for credit are subject to ANZ credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.
The interest rate shown includes any applicable interest rate discount from the index rate. For ANZ Standard Variable, the interest rate discount is for loans with a Loan to Value Ratio (LVR) of greater than 80% and for loans with a LVR 80% or less. For applications submitted from 28 October 2024 for ANZ Fixed, there is no interest rate discount for loans with a LVR of greater than 80% and the interest rate discount is for loans with a LVR of 80% or less.
* The rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.
LVR is the amount you're looking to borrow, calculated as a percentage of the value of the property you want to buy. Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.
Borrowing power calculator
Applications for credit are subject to ANZ credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.
The estimate is based on the accuracy of the information provided. It is also based on a loan term of 30 years, payment type principal and interest and either an ANZ Simplicity PLUS rate for home loans or an ANZ Simplicity PLUS rate for residential investment property loan depending on the type of property you have selected. Rate includes a special offer discount when borrowing 80% or less of the property value (which is subject to change). Eligibility criteria apply to special offer discounts for ANZ Simplicity PLUS home loans, including $50,000 or more in new or additional lending. Offer can be withdrawn or changed anytime. The estimate might be different if payment type is interest only or if a different interest rate discount applies. It does not constitute an offer of credit. To apply for an ANZ Home Loan you must complete an application. All applications for credit are subject to ANZ credit approval criteria. ANZ does not store the information you provided to generate this document.
The calculation of estimated maximum home loan borrowing power excludes Lenders Mortgage Insurance. The value of the security property is also considered in any credit assessment criteria.
Minimum loan amounts apply to different loan types. For more information, visit anz.com or contact us.
Other home loan fees including Late Payment Fee, Lock Rate Fee, Early Repayment Cost (Fixed Rate Loans) and ANZ Equity Manager facility fee still apply. Loan security fees including Lodgement Fee, Production Fee, Settlement Fee and Search Fee still apply however will not be charged on establishment of a loan. Government fees and charges (including government search fees and stamp duty) may still apply.
ReturnOffer can be withdrawn at any time. Maximum one bonus per eligible loan, individual may only claim once. Available for eligible First Home Buyers who purchase or construct their first property and take out an Eligible ANZ Home Loan of $250,000 or more. To be eligible to receive the bonus First Home Buyers must hold an ANZ Access Advantage, ANZ Plus or ANZ One offset account at loan drawdown. Drawdown on the Eligible ANZ Home Loan(s) must take place within 180 days from applying. See the full Terms and Conditions (PDF) for this offer. Fees, charges and eligibility criteria apply.
ReturnProperty value is ANZ's valuation of the security property and may be different to the price you pay for a property.
ReturnOffer can be withdrawn at any time. Limit of one cashback within any 12 month period. Offer is $2,000 cashback with 80.00% LVR or less, loans with LVR above 80% are not eligible for cashback. Paid within 60 days to an eligible ANZ account. You must drawdown the Eligible ANZ Home Loan(s) within 120 days from applying. Excludes all internal refinances and switches within ANZ Group which includes Suncorp Bank and ANZ Plus. See the full Terms and Conditions (PDF) for this offer. Fees, charges, eligibility criteria apply.
ReturnThe rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.
ReturnInterest rates shown on this page are current as at and are subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF), ANZ Personal Banking General Fees and Charges (PDF) and your letter of offer.
ReturnComparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including any applicable interest rate discounts. These rates are for secured loans only.
WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
For interest only variable loans, the comparison rates are based on an initial 5 year interest only term. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.
ReturnTerms and Conditions and eligibility criteria apply to ANZ Redraw. ANZ Redraw is not available on loans in a company name. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF).
ReturnIndex rate current as at and subject to change. The index rate (or reference rate) does not include any interest rate discounts that may apply.
ReturnRates shown apply during the interest only period of your loan. Choose from 1-5 year interest only terms for owner occupied on an ANZ Standard Variable (Land Loan up to three years) and ANZ Fixed (Land Loan up to three years) and choose from 1-5, 7 and 10 year interest only terms for residential investments on an ANZ Standard Variable (Land Loan up to one year), ANZ Fixed (Land Loan up to one year) and ANZ Simplicity PLUS. If you choose to make interest only payments on ANZ Fixed, your fixed period and interest only period will be the same. After the interest only period, your rate will switch to the applicable variable rate for a principal and interest loan. At the end of the interest only period, minimum repayment amounts may increase to cover principal and interest. Interest only loans are not for everyone and you should consider if this is the right strategy for you.
ReturnInterest only repayments are not available for new ANZ Simplicity PLUS Home Loan applications.
ReturnThe rate shown is the Simplicity PLUS Residential Investment Property Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.
ReturnInterest only loans are not for everyone and you should consider if this is the right strategy for you. Applications are subject to credit assessment.
ReturnSubject to ANZ's credit assessment criteria.
ReturnANZ does not provide personal advice, and the Home Loan comparison tool is only intended to assist you compare ANZ home loan options. It is provided for illustrative purposes only. Terms and Conditions, fees, charges, credit approvals and eligibility criteria apply to ANZ Home Loans.
ReturnANZ Business Credit Cards are not eligible. Applications for credit are subject to ANZ’s credit approval criteria. T&Cs, exclusions, fees and charges apply. T&Cs, exclusions, and fees and charges apply.
ReturnANZ will not undertake an additional credit report check only because you have applied for an eligible ANZ Home Loan and ANZ Credit Card together. Depending on the circumstances of your application, ANZ may need to undertake further credit report checks to collect information about your credit history from a credit reporting body to assist us in assessing your application.
ReturnOther home loan fees including Late Payment Fee, Lock Rate Fee, Early Repayment Cost (Fixed Rate Loans) and ANZ Equity Manager facility fee still apply. Loan security fees including Lodgement Fee, Production Fee, Settlement Fee and Search Fee still apply however will not be charged on establishment of a loan. Government fees and charges (including government search fees and stamp duty) may still apply. ANZ Credit Card fees and charges apply.
ReturnLenders Mortgage Insurance (LMI) is paid by the borrower and protects ANZ in the event that the borrower defaults and a shortfall arises following the sale of the security property. ANZ usually requires LMI where the Loan to Value Ratio (LVR) is above 80% (depending on the type of property). For some property types, LMI might be required when LVR is less than 80%.
ReturnThe interest rate shown includes any applicable interest rate discount from the index rate. For ANZ Standard Variable, the interest rate discount is for loans with a Loan to Value Ratio (LVR) of greater than 80% and for loans with a LVR 80% or less. For applications submitted from 28 October 2024 for ANZ Fixed, there is no interest rate discount for loans with a LVR of greater than 80% and the interest rate discount is for loans with a LVR of 80% or less.
ReturnProperty value is ANZ's valuation of the security property and may be different to the price you pay for a property.
ReturnEstimated LVR is based on the limited information provided and is for illustrative purposes only. Estimated LVR is rounded up to one decimal place. For example, an estimated LVR of 80.01% will be rounded up to 80.1%. The value of the property (as assessed by ANZ) may differ from your estimate. It does not constitute a quote or an offer for credit. To apply for an ANZ home loan you must complete an application. All applications for credit are subject to ANZ's credit approval criteria.
ReturnANZ may provide pre-approval (also known as approval in principle or conditional approval) to eligible customers who apply for an ANZ home loan and complete an application form and satisfy any other applicable requirements. Pre-approval is an approval for a loan subject to conditions being met, including that security is satisfactory to ANZ. Australian Credit Licence Number 234527.
ReturnANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.
ReturnA $10 servicing fee applies per month per ANZ One offset account. Please refer to ANZ Personal Banking Account Fees and Charges (PDF) for fees and charges that apply.
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