ANZ Simplicity PLUS vs ANZ Standard Variable
Each loan at its rate for your choices.
ANZ Simplicity PLUS's repayment is $284 lower a month than ANZ Standard Variable's.
A 20% deposit until you say otherwise. Repayments at the advertised rate over 30 years; fees are on top.
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Every rate type
The lowest rate each side has for each, at your deposit, purpose and repayments.
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Rates over time
The advertised variable rate above, a cell a week. A move shows as ▲ or ▼ in the week it happened.
As of 26 October 2026, for an owner-occupier borrowing $600,000 with a 20% deposit, ANZ Simplicity PLUS's lowest variable rate is 6.79% (comparison rate 6.79%); ANZ Standard Variable's lowest variable rate is 7.49% (comparison rate 7.49%). Figures are the lenders' published rates through Open Banking, worked out on the loan above. Each row says which figure is lower; it doesn't say which loan suits you.