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.

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Money Magazine Home Lender of the Year, 2014

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.

Limited Time Offer

Take up our Simplicity PLUS Home Loan and on your request we'll waive the Loan Approval Fee on all applications submitted from 8 March 2014. Offer can be withdrawn at any time.

Interest rate
Comparison rate1
Loan term
Maximum 30 years
Minimum amount
Maximum amount
Up to 90% for new customers and up to 95% for eligible existing ANZ customers3, 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


Repay loan early4

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

Redraw facility2
Yes - redraw allows you to access extra payments you have made to your loan.
Ability to split loan
Interest only payments
Yes - up to 10 years. Minimise your repayments during the interest only period and free up cash by paying interest-only.
Repayment holiday
Draw down loan

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


Loan approval fee (LAF)
$0 for a limited time on request (normally $600)
Loan administration charge
Redraw fee2
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

Call us on 1800 100 641, 8:00am to 9:30pm (AEST), Monday to Friday, 8:00am to 4:30pm (AEST) Saturdays and Sundays

*Over the past 16 years, ANZ has been awarded ‘Home Lender of the Year’ by Money magazine in 2014, 2012, 2010 and 2008-2005, and Personal Investor magazine in 2005, 2004 and 2002-1999. Australian Lending Awards, Mortgage Lender of the Year Award 2011 and Best Investor Lender Award 2011, 2012 and 2013. The Australian Lending Awards is an independent initiative of The Adviser and specialist research and advisory firm RFI.

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).

2. 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 (PDF 456kB).

3. 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.

4. Terms and Conditions, fees and charges apply please refer to the ANZ Consumer Lending Terms and Conditions (PDF 456kB). Alternatively please visit any ANZ branch or phone the Home Loan Hotline on 1800 100 641, 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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