ANZ
★ 4.0 / 5
big4 · Est. 1835 · HQ VIC · ABN 11 005 357 522
ANZ's Simplicity PLUS Variable has been competitively priced through 2026 for new-to-bank refinancers.
Pros & cons
Pros
- Simple-fee structure on Simplicity PLUS
- Strong refinance cashbacks in 2026
- ANZ Plus offset
Cons
- Limited offset on entry-level products
- Branch network shrinking
ANZ home loan products
| Product | Type | Rate | Comp. rate | Features |
|---|---|---|---|---|
| Simplicity PLUS Variable | variable | 6.04% | 6.05% | redraw, extra repay |
| Breakfree Package Variable | variable | 6.14% | 6.52% | offset, redraw, package, extra repay |
Indicative monthly repayment on a $500,000 loan over 30 years at ANZ's lowest rate (6.04% p.a.): $3,011/month. Run a full comparison on our repayment calculator.