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ANZ Simplicity PLUS Loan

If you want a competitive variable rate loan and you only need basic features, consider ANZ Simplicity PLUS. It's a simple loan with no monthly fee that still gives you the flexibility to make extra repayments to pay it off sooner.
Category: Home Loans  Last Updated April 16, 2021  Effective January 31, 2020

 General Lending Rates

Rates listed below are for a VARIABLE OWNER_OCCUPIED PRINCIPAL_AND_INTEREST. Additional Information Principal and interest, owner occupier
Interest Rate
3.74%PA
Comparison Rate
3.78%PA*
Product rates will vary depending upon your financial position. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

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Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  OWNER_OCCUPIED, VARIABLE, 3.94%
  • Lending Rate Type: Variable
  • Interest Rate: 3.94%, Comparison Rate 3.85%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  Loan-to-Value Ratio
Minimum: 80 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 2.98%, Comparison Rate 3.02%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan-to-Value Ratio
  • Lending Rate Type: Variable
  • Interest Rate: 2.72%, Comparison Rate 2.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan-to-Value Ratio
Minimum: 80 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 3.38%, Comparison Rate 3.17%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  Loan-to-Value Ratio
  • Lending Rate Type: Variable
  • Interest Rate: 3.38%, Comparison Rate 3.17%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Variable
  • Interest Rate: 3.74%, Comparison Rate 3.78%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Variable
  • Interest Rate: 3.73%, Comparison Rate 3.77%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Loan-to-Value Ratio
Minimum: 80 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 3.22%, Comparison Rate 3.26%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Loan-to-Value Ratio
  • Lending Rate Type: Variable
  • Interest Rate: 3.12%, Comparison Rate 3.16%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Loan-to-Value Ratio
Minimum: 80 PERCENT Maximum: 100 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 3.32%, Comparison Rate 3.29%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Loan-to-Value Ratio
  • Lending Rate Type: Variable
  • Interest Rate: 3.32%, Comparison Rate 3.29%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Digital Banking Additional Information: Access using ANZ Internet Banking or ANZ App
  • Redraw Additional Information: 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.

 Product Eligibility

  • Min Age - 18. Additional Information: You must be 18 years of age or older to apply
  • Residency Status - Australian Citizens, New Zealand Citizens Or Australian Permanent Residents.
  • Other - Applicant's Primary Income Is In Australian Dollars. Additional Information: Applicant's primary income is in Australian Dollars

 Bank Fees and Charges

  • Loan Approval Fee (Upfront), Amount: 600.00. Additional Information: $600 payable for approved applications at the time the loan is drawn down, for a new loan/facility or to convert an existing loan/facility to a loan/facility. For split loans, $600 is payable for the first loan, $200 for each further loan. Under Simplicity Plus Special Offer, the Loan Approval Fee of $600 is waived on request. Please refer to ANZ Personal Banking General Fees and Charges booklet for further information.
  • Valuation Administration Fee (Event), Amount: 150.00. Additional Information: Payable where ANZ needs to order a valuation of any property that has been mortgaged to ANZ as a security for your Loan. Refer to the ANZ Personal Banking General Fees and Charges booklet for further information.
  • Guarantee Administration Fee (Event), Amount: 200.00. Additional Information: Payable for each guarantee taken by ANZ for the purpose of securing your loan/facility. Refer to ANZ Personal Banking General Fees and Charges booklet for further information.
  • Renegotiation Fee (non Credit Critical) (Event), Amount: 200.00. Additional Information: If you renegotiate or convert your loan, ANZ may charge a $200 renegotiation fee. Under the Simplicity PLUS special offer, this fee is waived upon request. Please refer to ANZ Personal Banking General Fees and Charges booklet for further information.
  • Late Payment Fee (Event), Amount: 20.00. Additional Information: Charged when a payment remains unpaid for 30 days or more after it is due. A further fee is payable monthly when the loan continues to be in arrears. Refer to ANZ Personal Banking General Fees and Charges booklet for further information.
  • Progress Payment Fee (Event), Amount: 250.00. Additional Information: One off fee charged in respect of a loan that is progressively drawn and is payable at the time of the first progress payment drawn down under the loan. Refer to ANZ Personal Banking General Fees and Charges booklet for further information.
  • Lodgement Fee (Event), Amount: 160.00. Additional Information: Payable for each document that ANZ lodges or registers with any person or authority in respect of your loan or any security provided for your loan, where ANZ is required or entitled to lodge or register that document. This fee is not charged on establishment as the costs are covered by the Loan Approval fee. Refer to ANZ Personal Banking General Fees and Charges booklet for further information.
  • Production Fee (Event), Amount: 160.00. Additional Information: Payable for each Certificate or Title or other security document ANZ produces at your request, in connection with your loan. Refer to ANZ Personal Banking General Fees and Charges booklet for further information.
  • Settlement Fee (Event), Amount: 160.00. Additional Information: Payable each time that ANZ is required to attend a settlement (or attend to an electronic settlement) in relation to any advance made under your Loan, or in relation to any securities provided or varied in respect of your Loan. The fee is payable on the date of the settlement and is not dependent on the settlement being successful. This fee is not charged on establishment as the costs are covered by the Loan/Facility Approval fee. Refer to ANZ Personal Banking General Fees and Charges booklet for further information.
  • Search Fee (Event), Amount: 50.00. Additional Information: Payable each time that ANZ obtains information from governmental or regulatory records in connection with the loan/facility or any security. This fee is not charged on establishment as the costs are covered by the Loan/Facility Approval fee. Refer to the ANZ Personal Banking General Fees and Charges booklet for further information.
  • Renegotiation Fee (full Credit Critical) (Event), Amount: 350.00. Additional Information: A $350 renegotiation fee will be charged in the below scenarios: – there is a change to the borrowers or guarantors, the term or amount of the loan/facility or the security provided for the loan/facility; – repayments are changing to interest-only repayments, an interest only period is being extended or there is a change from interest in arrears to interest in advance or vice versa; – two or more loans are being combined into a single loan; – a loan is converted to a facility or vice versa; – a Lenders Mortgage Insurance premium would become payable as a result of the change Under the Simplicity PLUS special offer, this fee is waived upon request. Please refer to ANZ Personal Banking General Fees and Charges booklet for further information.

 Limitations & Restrictions (Constraints)

  • Min Limit of 50000.00 Additional Information: Minimum loan amount is $50,000

 Document Downloads

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