OnlineANZ Plus Home Loan Variable
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.25%p.a.
Verify, 75d old
Comparison*
6.26%p.a.
Monthly repayment
$3,079
LVR —
ANZ Plus Home Loan Rates
Online
Active products
2
Lowest variable
6.25%
Lowest fixed
—
Lowest comparison
6.26%
Last updated
14 May 2026
ANZ Plus is one of the Australian home-loan lenders we track daily. We currently surface 2 active products from ANZ Plus, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What is the lowest ANZ Plus home loan rate?
The lowest ANZ Plus variable home loan rate Ratesniffers tracks is 6.25% p.a. These figures come from the 2 ANZ Plus products on this page, ranked by comparison rate, last verified 14 May 2026.
How many home loan products does ANZ Plus offer?
Ratesniffers currently tracks 2 ANZ Plus home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
ANZ Plus home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.25% p.a. | 6.26% p.a. | 100% |
| Variable Investor P&I | 6.55% p.a. | 6.55% p.a. | 100% |
2 ANZ Plus home loan products
OnlineOnlineANZ Plus Home Loan Variable
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.55%p.a.
Verify, 75d old
Comparison*
6.55%p.a.
Monthly repayment
$3,177
LVR —
Negotiate ANZ Plus rates with a broker
Advertised rates aren't always the rate ANZ Plus actually approves. Our broker negotiates against your specific scenario, no fee.
Who is ANZ Plus?
ANZ Plus is ANZ's own digital-only banking arm, launched in 2022 as a branchless alternative built entirely around its app. ANZ added a digital home loan to the platform on 21 November 2023, restricted at launch to owner-occupier refinancing in metro New South Wales and Victoria, at a point where ANZ Plus already held more than $10 billion in deposits and 500,000 customers.
ANZ has since widened eligibility to regional Victoria, New South Wales, South Australia, Queensland and Western Australia, and added an offset account and an equity cash-out option in September 2024. It remains a refinance-only product for owner-occupiers, run through the ANZ Plus app rather than a branch, and is not yet available for properties in Tasmania or the Northern Territory.
Who suits a ANZ Plus home loan?
ANZ Plus tends to suit owner-occupiers refinancing an existing loan who are comfortable banking entirely through an app rather than a branch, provided their property sits in an eligible state. It does not currently offer purchase or investment lending, so borrowers outside that scope should compare its parent ANZ brand or another lender in the table above.
Background facts checked 22 July 2026. Rates above refresh independently.
ANZ Plus home loans: frequently asked questions
What is the lowest ANZ Plus home loan rate?
ANZ Plus's lowest variable home loan rate is currently 6.25% p.a., based on the 2 ANZ Plus products Ratesniffers ranks by comparison rate, last verified 14 May 2026. The advertised rate isn't always the rate ANZ Plus approves, a broker can often negotiate a sharper deal on your scenario.
How does ANZ Plus's home loan rate compare to the market?
ANZ Plus's lowest variable home loan rate today is 6.25% p.a., which is 16 basis points above the market median of 6.09% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking ANZ Plus to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where ANZ Plus sits right now rather than a fixed snapshot.
How many home loan products does ANZ Plus offer?
Ratesniffers currently tracks 2 ANZ Plus home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is ANZ Plus competitive for refinancing?
It depends on your loan size and LVR. ANZ Plus's lowest comparison rate is currently 6.26% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing ANZ Plus against the sharpest available rate usually pays off.
How often are ANZ Plus's home loan rates updated?
Ratesniffers last verified ANZ Plus's home loan rates on 14 May 2026. Rates can change whenever ANZ Plus reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.
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