ANZ Plus Home Loan Rates
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 are ANZ Plus home loan rates?
ANZ Plus home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.25% p.a., last verified 14 May 2026. Compare ANZ Plus against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
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.
2 ANZ Plus home loan products
No active products surfaced. This lender may have paused new lending or recently been removed from our index, check back tomorrow.
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 fees, offset and limits at a glance
- Application or establishment fee
- No fee
- Discharge fee
- $320
- Settlement fee
- $0
- Additional valuation fee
- $150
- Rate lock fee
- $750 for every $1m borrowed. Not available for 7 or 10 yr terms.
- Loan portability
- Yes
- Minimum offset balance
- ANZ One, > $0
- Lenders mortgage insurer
- ANZ LMI
- Capitalising LMI
- P&I, For eligible existing Owner Occupied customers, max 97% LVR.…
- Maximum total lending
- No max however subject to serviceability. For properties >$2.0M max LVR is 75%
- Extra repayments on fixed
- Lesser of 5% of loan or $5K pa. Otherwise penalty applies. Early repayment cost/benefit applies.…
- When the fixed rate is locked
- Rate Lock valid for 90 days or at drawdown.
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.