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. ANZ Simplicity PLUS Home Loans are available for periods between of at least 1 year and up to 30 years in duration.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 8.23% | 8.24% | Variable · investment · interest only · $0–$50,000 | CDR | 1 Nov 2026 | |
| 7.29% | 7.07% | Variable · investment · interest only · LVR 60% or less · $50,000 or more | CDR | 1 Nov 2026 | |
| 7.34% | 7.12% | Variable · investment · interest only · LVR 60%–70% · $50,000 or more | CDR | 1 Nov 2026 | |
| 7.44% | 7.22% | Variable · investment · interest only · LVR 70%–80% · $50,000 or more | CDR | 1 Nov 2026 | |
| 8.04% | 7.88% | Variable · investment · interest only · LVR 80%–90% · $50,000 or more | CDR | 1 Nov 2026 | |
| 8.23% | 8.24% | Variable · investment · interest only · LVR Over 90% · $50,000 or more | CDR | 1 Nov 2026 | |
| 8.24% | 8.24% | Variable · investment · principal and interest · $0–$50,000 | CDR | 1 Nov 2026 | |
| 6.89% | 6.89% | Variable · investment · principal and interest · LVR 60% or less · $50,000 or more | CDR | 1 Nov 2026 | |
| 6.94% | 6.94% | Variable · investment · principal and interest · LVR 60%–70% · $50,000 or more | CDR | 1 Nov 2026 | |
| 7.04% | 7.04% | Variable · investment · principal and interest · LVR 70%–80% · $50,000 or more | CDR | 1 Nov 2026 | |
| 7.74% | 7.74% | Variable · investment · principal and interest · LVR 80%–90% · $50,000 or more | CDR | 1 Nov 2026 | |
| 8.24% | 8.24% | Variable · investment · principal and interest · LVR Over 90% · $50,000 or more | CDR | 1 Nov 2026 | |
| 8.44% | 8.33% | Variable · owner occupied · interest only · $0–$50,000 | CDR | 1 Nov 2026 | |
| 7.88% | 7.19% | Variable · owner occupied · interest only · LVR 60% or less · $50,000 or more | CDR | 1 Nov 2026 | |
| 7.88% | 7.22% | Variable · owner occupied · interest only · LVR 60%–70% · $50,000 or more | CDR | 1 Nov 2026 | |
| 7.88% | 7.28% | Variable · owner occupied · interest only · LVR 70%–80% · $50,000 or more | CDR | 1 Nov 2026 | |
| 7.88% | 7.58% | Variable · owner occupied · interest only · LVR 80%–90% · $50,000 or more | CDR | 1 Nov 2026 | |
| 7.88% | 7.89% | Variable · owner occupied · interest only · LVR Over 90% · $50,000 or more | CDR | 1 Nov 2026 | |
| 8.24% | 8.24% | Variable · owner occupied · principal and interest · $0–$50,000 | CDR | 1 Nov 2026 | |
| 6.64% | 6.64% | Variable · owner occupied · principal and interest · LVR 60% or less · $50,000 or more | CDR | 1 Nov 2026 | |
| 6.69% | 6.69% | Variable · owner occupied · principal and interest · LVR 60%–70% · $50,000 or more | CDR | 1 Nov 2026 | |
| 6.79% | 6.79% | Variable · owner occupied · principal and interest · LVR 70%–80% · $50,000 or more | CDR | 1 Nov 2026 | |
| 7.34% | 7.34% | Variable · owner occupied · principal and interest · LVR 80%–90% · $50,000 or more | CDR | 1 Nov 2026 | |
| 7.89% | 7.89% | Variable · owner occupied · principal and interest · LVR Over 90% · $50,000 or more | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. 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. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://api.anz/cds-au/v1/banking/products/544ad5cb-7e52-4a30-b1d7-a080abafbfac- Content hash
sha256 c834a69e5023b9ceadc64081206d1b4d2e24dd7a1c0d37f57bbd85a24f980256- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_c834a69e5023b9ce_26352568Show details
- Checked
- 1 Nov 2026
- URL
https://api.anz/cds-au/v1/banking/products/544ad5cb-7e52-4a30-b1d7-a080abafbfac- Content hash
sha256 c834a69e5023b9ceadc64081206d1b4d2e24dd7a1c0d37f57bbd85a24f980256- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Loan Approval Fee | Upfront | $0.00 |
| Valuation Administration Fee | Event | $0.00 |
| Guarantee Administration Fee | Event | $0.00 |
| Renegotiation Fee (Non Credit Critical) | Event | $0.00 |
| Late Payment Fee | Event | $20.00 |
| Progress Payment fee | Event | $0.00 |
| Lodgement Fee | Event | $160.00 |
| Production Fee | Event | $160.00 |
| Settlement Fee | Event | $160.00 |
| Search Fee | Event | $50.00 |
| Renegotiation Fee (Full Credit Critical) | Event | $0.00 |
| Loan Administration Charge | Periodic | $0.00 |
| Enforcement expenses | Other | Set in your letter of offer |
| Lenders Mortgage Insurance | Other | Set in your letter of offer |
| Stamp Duty - Mortgage Document | Other | Set in your letter of offer |
| Stamp Duty - Transfer Land | Other | Set in your letter of offer |
| Other Services | Other | Set in your letter of offer |
| Registration of Mortgage | Other | Set in your letter of offer |
| Discharge of Mortgage | Other | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | Access using ANZ Internet Banking or ANZ App | |
| Redraw | ANZ Redraw could let you access extra payments you've made to an eligible loan when you need to. You can easily access your redraw funds via ANZ Internet Banking and other convenient ways. | |
| Fraud protection | ||
| Extra repayments | ||
| Guarantor | ||
| Cashback offer | 3000 | 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. |
| Eligibility: min age | 18 | You must be 18 years of age or older to apply |
| Eligibility: residency status | Australian citizens, New Zealand citizens or Australian permanent residents | |
| Eligibility: other | Applicant's primary income is in Australian Dollars | |
| Limit: min limit | 50000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · interest only · $0–$50,000 | 1 Nov 2026 | Current | 8.23% | 8.24% |
| Variable · investment · interest only · LVR 80%–90% · $50,000 or more | 1 Nov 2026 | Current | 8.04% | 7.88% |
| Variable · owner occupied · interest only · LVR 80%–90% · $50,000 or more | 1 Nov 2026 | Current | 7.88% | 7.58% |
| Variable · owner occupied · interest only · $0–$50,000 | 1 Nov 2026 | Current | 8.44% | 8.33% |
| Variable · owner occupied · principal and interest · $0–$50,000 | 1 Nov 2026 | Current | 8.24% | 8.24% |
| Variable · investment · principal and interest · $0–$50,000 | 1 Nov 2026 | Current | 8.24% | 8.24% |
| Variable · owner occupied · principal and interest · LVR 80%–90% · $50,000 or more | 1 Nov 2026 | Current | 7.34% | 7.34% |
| Variable · investment · principal and interest · LVR 60% or less · $50,000 or more | 1 Nov 2026 | Current | 6.89% | 6.89% |
| Variable · owner occupied · interest only · LVR 70%–80% · $50,000 or more | 1 Nov 2026 | Current | 7.88% | 7.28% |
| Variable · investment · interest only · LVR Over 90% · $50,000 or more | 1 Nov 2026 | Current | 8.23% | 8.24% |
| Variable · owner occupied · principal and interest · LVR 60%–70% · $50,000 or more | 1 Nov 2026 | Current | 6.69% | 6.69% |
| Variable · investment · principal and interest · LVR 60%–70% · $50,000 or more | 1 Nov 2026 | Current | 6.94% | 6.94% |
| Variable · investment · interest only · LVR 60% or less · $50,000 or more | 1 Nov 2026 | Current | 7.29% | 7.07% |
| Variable · investment · principal and interest · LVR Over 90% · $50,000 or more | 1 Nov 2026 | Current | 8.24% | 8.24% |
| Variable · investment · principal and interest · LVR 70%–80% · $50,000 or more | 1 Nov 2026 | Current | 7.04% | 7.04% |
| Variable · investment · interest only · LVR 70%–80% · $50,000 or more | 1 Nov 2026 | Current | 7.44% | 7.22% |
| Variable · owner occupied · interest only · LVR Over 90% · $50,000 or more | 1 Nov 2026 | Current | 7.88% | 7.89% |
| Variable · investment · principal and interest · LVR 80%–90% · $50,000 or more | 1 Nov 2026 | Current | 7.74% | 7.74% |
| Variable · owner occupied · principal and interest · LVR 70%–80% · $50,000 or more | 1 Nov 2026 | Current | 6.79% | 6.79% |
| Variable · investment · interest only · LVR 60%–70% · $50,000 or more | 1 Nov 2026 | Current | 7.34% | 7.12% |
| Variable · owner occupied · interest only · LVR 60%–70% · $50,000 or more | 1 Nov 2026 | Current | 7.88% | 7.22% |
| Variable · owner occupied · principal and interest · LVR 60% or less · $50,000 or more | 1 Nov 2026 | Current | 6.64% | 6.64% |
| Variable · owner occupied · principal and interest · LVR Over 90% · $50,000 or more | 1 Nov 2026 | Current | 7.89% | 7.89% |
| Variable · owner occupied · interest only · LVR 60% or less · $50,000 or more | 1 Nov 2026 | Current | 7.88% | 7.19% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. 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. Fees and charges are payable.
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