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			(may incur fees)
100% offset account	Not available	ANZ One (offset account)	ANZ One (offset account) one year fixed rate only	Not available (same benefit is received by depositing and withdrawing from account)
Interest only payment	Up to 10 years	Up to 10 years	Up to 10 years
Redraw facility			(after a fixed period)
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