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Simpler home loans. What a feeling.

Feel the feeling of a simpler home loan.

We’ve dropped bundled packages and simplified our home loans. Get discounted interest rates upfront on eligible loans,disclaimerno ANZ set up or ongoing feesdisclaimer and pay only for the extras you want.

No more packages. No annual package fee. Same great rates.

It’s a simpler way to do home loans. To help you feel a little more financially confident.

Ready for a simpler home loan? Let’s talk.

Simple ways to save on your home loan

Save up to

$11,850

in annual package feesdisclaimer

No home loan package means no $395 annual package fee. Over a 30 year loan, that could add up to $11,850 in package fees saveddisclaimer(other fees may still apply).

Pay

$0

ANZ set up or ongoing feesdisclaimer

We’ve stripped away a bunch of fees to help lighten the load. With our simpler home loan fee structure you won’t pay any ANZ setup or ongoing fees (other fees may still applydisclaimer).

See all the fees we’ve dropped

Discounted rates from

 

Interest ratedisclaimer Comparison ratedisclaimer

ANZ Simplicity PLUS discounted basic variable rate when borrowing 70% or less of the property value.disclaimer Interest rate discounts apply upfront across all eligible home loan products.

See more rates

Feel the freedom from ongoing fees

 

No ANZ set up or ongoing fees

  • $0 Annual package fee
  • $0 Loan approval fee
  • $0 Loan administration charge
  • $0 Renegotiation fee
  • $0 Valuation administration fee
  • $0 Progress payment fee
  • $0 Guarantee administration fee
  • $0 Redraw fee

Only pay for the extras you want

  • Pay only for extras you choose to use, like an offset account for $10 a month
  • Don’t use it? Don’t pay for it. Choose the loan and extras that suit you

Some fees may still apply

Other home loan fees including Late Payment Fee, Lock Rate Fee and Early Repayment Cost (for Fixed Rate Loans) 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. For further details refer to ANZ Personal Banking General Fees and Charges (PDF 155kb).

Discounted rates without an annual package fee? How refreshing.

Join the first major bank to drop bundled home loan packages and give you the same interest rate discount, without an annual package fee.

That’s $395 saved on package fees each year, while still getting a discounted rate.

  • Get interest rate discounts upfront on eligible loansdisclaimerwith no annual package fee
  • No ANZ set up or ongoing feesdisclaimer
  • Pay only for the extras you want
  • A straightforward home loan that's easier to understand

See how low your rate could go

Looking for a better home loan rate? Of course you are, you savvy saver you.

If you're considering our standard variable rate home loan you may be able to get a further discount off the index rate, depending on your situation.

To find out if you could get a better rate for your home loan, have a no-obligation chat with one of our savvy home loan specialists... like Pete.

Chat with Pete

Find the right fixed or variable home loan for you

Basic variable 

ANZ Simplicity PLUS home loan

disclaimer

Principal and interest

Comparison ratedisclaimer

 
Interest rate with special offer discountdisclaimer when borrowing 70% or less of the property value.disclaimer

Get a competitive variable rate with basic features (no offset).

Apply online

Variable with optional offsetdisclaimer

ANZ Standard Variable home loan

disclaimer

Principal and interest

Comparison ratedisclaimer

 
Discounted standard variable rate when borrowing 80% or less of the property value.disclaimer

You may be able to get a further discount

Talk to us to find out if a further discount could apply to your interest rate, depending on your situation.

I want to talk rates

Fixed rate 

ANZ Fixed Rate home loan

 disclaimer disclaimer

Principal and interest

Comparison ratedisclaimer

 
Discounted 2 year fixed rate when borrowing 80% or less of the property value.disclaimer

Choose from 1, 2, 3, 4, 5, 7 and 10 year fixed rate terms.

Apply online

Want to crunch your numbers? Use our home loan calculator

Have a property in mind? Find out how much it could be worth

Whether you’re looking to buy, sell or are just exploring your options, an ANZ Property Profile Report gives you essential information about a property so you can make an informed decision about your next move.

The property report includes:

  • A free property price range estimate
  • Comparable sales results in the area for listed properties and price ranges on those that are unlisted
  • Sales and rental listings in the area
  • Interesting suburb insights and trends
  • Any recent sales history of the property

Request a report

You’ve got questions. We've got answers.

We’ve heard from our customers that they want simpler home loans and only want to pay for features that they choose to use.  As a result, we've made the decision to no longer offer a home loan package and to redesign our home loans to have a simpler fee structure, with no ANZ set up or ongoing fees.disclaimer

ANZ has moved to a simpler home loan structure and no longer offers a home loan package, which typically includes a credit card and a transaction account for an annual fee. You can still take up any of these other great ANZ products, however they will no longer be bundled together with our home loan products.

No problem, it just won't be linked to a home loan package and a credit card fee may apply. You can still get all the great benefits and features of an ANZ credit card such as the protection of ANZ Falcon, up to 55 days without interest on eligible purchases and the convenience of tap and go with your digital wallet. 

Have an existing ANZ credit card or considering a new one? It’s easy to manage your card or compare credit cards.

Looking for more than a great rate? Depending on your circumstances, you could be eligible for a special home loan offer like the First Home Buyer Conveyancing Rebate or our LMI waiver for eligible professionals. Check out our special home loan offers to find out if you’re eligible.

All our eligible fixed and variable home loan rates come with a discount off the index rate applied upfrontdisclaimerwithout needing to pay an annual home loan package fee. See all our home loan rates.

If you’re considering a variable rate loan like our Standard Variable or Simplicity PLUS home loans, you may be able to access a lower interest rate than shown above depending on your situation. To find out if you could access a lower rate, have a no-obligation chat with one of our specialists.

Connect with our home loan specialists or apply

Quick Start home loan application

Get started in just 5 minutes. Apply for pre-approvaldisclaimer, a new home loan or to refinance or top up your existing ANZ home loan.

Apply online now

Request a call back

Leave your details 

Connect with a mobile lender disclaimer

Find a mobile lender

Visit a branch or ANZ Home Centre

Find your nearest location

Call us

1800 114 660

Monday - Friday
8am to 8pm (AEST)

You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.

   

Interest rates shown on this page are current as at  and are subject to change. 

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 conditionsProduct 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 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 rate loan 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.

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 an interest rate discount from the index rate and applies to home loan applications or renewals submitted on and from 19 March 2022. For ANZ Standard Variable, this 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 ANZ Fixed, this discount is  for loans with a LVR greater than 80% and  for loans with a LVR 80% or less. This interest rate discount is not available for eligible loans linked to an existing Breakfree Package. Eligible loans linked to the Breakfree Package will receive an interest rate discount under the Breakfree Package. To view rates that apply to loans linked to the ANZ Breakfree Package and for more information, see here.

* 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.

This estimate is based on the accuracy of the limited information provided. It is also based on a loan term of 30 years, payment type principal and interest and either an ANZ Standard Variable rate for home loans or an ANZ Standard Variable rate for residential investment property loans depending on the type of property you have selected. Rate includes a discount on the ANZ Standard Variable index rate. 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.

Eligibility criteria applies to the Special Offer discount for ANZ Simplicity PLUS, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.

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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.

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$11,850 is the estimated savings in package fees over a 30 year loan term with removal of the $395 annual package fee (30x $395). 

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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.

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Comparison 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.

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Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.

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A $10 servicing fee applies per month per ANZ One offset account. Please refer to ANZ Personal Banking Account Fees and Charges (PDF 100kB) for fees and charges that apply.

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The interest rate shown includes an interest rate discount from the index rate and applies to home loan applications or renewals submitted on and from 19 March 2022. For ANZ Standard Variable, this 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 ANZ Fixed, this discount is  for loans with a LVR greater than 80% and  for loans with a LVR 80% or less. This interest rate discount is not available for eligible loans linked to an existing Breakfree Package. Eligible loans linked to the Breakfree Package will receive an interest rate discount under the Breakfree Package. To view rates that apply to loans linked to the ANZ Breakfree Package and for more information, see here.

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Rates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan.

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Comparison 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.

Fixed home loans aren’t for everyone and early repayment costs may apply if you repay your loan or switch to another one before the end of your fixed term or make early or additional repayments. Once the fixed rate period ends, the loan reverts to a variable rate loan and repayment amounts will change. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period. 

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The 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. 

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Rates 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.

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ANZ 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.

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ANZ 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.

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