Home loan · Variable
ANZ Simplicity PLUS
6.79%comparison rate p.a. · 6.79% advertised
Variable · P&I · Owner-occupier · 70–80% LVR
79th of 91 variable owner-occupier P&I loans
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.
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Variable · P&I · Owner-occupier · ≤60% LVR
- 6.64% comparison · 6.64% advertised
- Variable · P&I · Owner-occupier · 60–70% LVR
- 6.69% comparison · 6.69% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.79% comparison · 6.79% advertised
- Variable · P&I · Owner-occupier · 80–90% LVR
- 7.34% comparison · 7.34% advertised
- Variable · P&I · Owner-occupier · 90–95% LVR
- 7.89% comparison · 7.89% advertised
- Variable · Interest Only · Owner-occupier · ≤60% LVR
- 7.19% comparison · 7.88% advertised
- Variable · Interest Only · Owner-occupier · 60–70% LVR
- 7.22% comparison · 7.88% advertised
- Variable · Interest Only · Owner-occupier · 70–80% LVR
- 7.28% comparison · 7.88% advertised
- Variable · Interest Only · Owner-occupier · 80–90% LVR
- 7.58% comparison · 7.88% advertised
- Variable · Interest Only · Owner-occupier · 90–95% LVR
- 7.89% comparison · 7.88% advertised
- Variable · P&I · Investor · ≤60% LVR
- 6.89% comparison · 6.89% advertised
- Variable · P&I · Investor · 60–70% LVR
- 6.94% comparison · 6.94% advertised
- Variable · P&I · Investor · 70–80% LVR
- 7.04% comparison · 7.04% advertised
- Variable · P&I · Investor · 80–90% LVR
- 7.74% comparison · 7.74% advertised
- Variable · P&I · Investor · 90–95% LVR
- 8.24% comparison · 8.24% advertised
- Variable · Interest Only · Investor · ≤60% LVR
- 7.07% comparison · 7.29% advertised
- Variable · Interest Only · Investor · 60–70% LVR
- 7.12% comparison · 7.34% advertised
- Variable · Interest Only · Investor · 70–80% LVR
- 7.22% comparison · 7.44% advertised
- Variable · Interest Only · Investor · 80–90% LVR
- 7.88% comparison · 8.04% advertised
- Variable · Interest Only · Investor · 90–95% LVR
- 8.24% comparison · 8.23% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Redraw fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $50,000
- ANZ Simplicity PLUS · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
- ANZ Simplicity PLUS20 variants up 0.25 to 0.269 days after the RBA rise to 4.60%+0.25 to +0.26All Variable
P&I · Owner-occupier · ≤60% LVR 6.39 6.64 +0.25 P&I · Owner-occupier · 60–70% LVR 6.44 6.69 +0.25 P&I · Owner-occupier · 70–80% LVR 6.54 6.79 +0.25 P&I · Owner-occupier · 80–90% LVR 7.09 7.34 +0.25 P&I · Owner-occupier · 90–95% LVR 7.64 7.89 +0.25 Interest Only · Owner-occupier · ≤60% LVR 6.94 7.19 +0.25 Interest Only · Owner-occupier · 60–70% LVR 6.96 7.22 +0.26 Interest Only · Owner-occupier · 70–80% LVR 7.02 7.28 +0.26 Interest Only · Owner-occupier · 80–90% LVR 7.33 7.58 +0.25 Interest Only · Owner-occupier · 90–95% LVR 7.64 7.89 +0.25 P&I · Investor · ≤60% LVR 6.64 6.89 +0.25 P&I · Investor · 60–70% LVR 6.69 6.94 +0.25 P&I · Investor · 70–80% LVR 6.79 7.04 +0.25 P&I · Investor · 80–90% LVR 7.49 7.74 +0.25 P&I · Investor · 90–95% LVR 7.99 8.24 +0.25 Interest Only · Investor · ≤60% LVR 6.82 7.07 +0.25 Interest Only · Investor · 60–70% LVR 6.87 7.12 +0.25 Interest Only · Investor · 70–80% LVR 6.97 7.22 +0.25 Interest Only · Investor · 80–90% LVR 7.63 7.88 +0.25 Interest Only · Investor · 90–95% LVR 7.99 8.24 +0.25
Tracked since 25 September 2026. Our own corrections of a misread figure aren't shown.
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.
Also from ANZ: ANZ Fixed Rate home loan 7.25% · ANZ Standard Variable home loan 7.49%
As of 15 October 2026, the ANZ Simplicity PLUS's variable owner-occupier P&I variant has a comparison rate of 6.79% (6.79% advertised), ranking 79th of 91 variable owner-occupier P&I loans and sitting 0.25 points above the market average of 6.54%. The product comes in 20 variants; the others are investor, interest-only and other LVR bands. Its rate last moved on 9 October 2026, 9 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.