ANZ

 

Looking for a home loan package?

Try ANZ Breakfree, our home loan package that offers you great savings on home and investment loans, day-to-day banking accounts, credit cards and much more.

Variable, fixed and equity home loans

The table below outlines the main features of our variable, fixed and equity home loans. Click on the name of each loan for more information.

Alternatively, you can download Loans and Packages at a Glance (PDF 84kb).

  Variable Fixed Equity and credit
  Simplicity PLUS Variable rate Fixed rate Equity Manager
Description A 'no-frills' home loan with low fees and a low interest rate Designed to give you flexibility and value Lock into an interest rate over a pre-determined period Flexible line of credit available for personal, residential or investment purposes
Interest rates 7.10% p.a. 7.80% p.a. 1yr 6.99% p.a.
10yrs 8.14% p.a.
7.95% p.a.
Comparison rate™ **
(% p.a.)
7.15% p.a. 7.90% p.a. 1yr 7.77% p.a.
10yrs 8.17% p.a.
Not available
Additional repayments allowed Tick icon Tick icon Tick icon
(may incur fees)
Tick icon
100% offset account Not available Tick icon
ANZ One
(offset account)
Tick icon
ANZ One
(offset account)
one year fixed rate only
Not available (same benefit is received by depositing and withdrawing from account)
Interest only payment Tick icon
Up to 10 years
Tick icon
Up to 10 years
Tick icon
Up to 10 years
Tick icon
Redraw facility Tick icon Tick icon (after a fixed period) Tick icon
Maximum loan of property value (%) ^ 90% 90% 90% 90%
Loan approval fee $600 $600 $600 $600
Admin fee $0 $5 per month $10 per month $150 per year credit facility fee