ANZ · Variable · Updated November 2026

ANZ Variable Home Loans, November 2026

ANZ lists 24 variable home loans in the Ratesniffers index today. The lowest is 6.64% p.a. (comparison rate 6.64% p.a.), on Simplicity Plus <60% LVR Owner Occupied P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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ANZ variable home loan rates, November 2026

ANZSimplicity Plus <60% LVR Owner Occupied P&I

VariableRedraw

Interest

6.64%p.a.

Comparison*

6.64%p.a.

Est. repayment

$3,207

LVR ≤60%

Enquire

ANZSimplicity Plus 60% - 70% LVR Owner Occupied P&I

VariableRedraw

Interest

6.69%p.a.

Comparison*

6.69%p.a.

Est. repayment

$3,223

LVR 60 to 70%

Enquire

ANZSimplicity Plus 70% - 80% LVR Owner Occupied P&I

VariableRedraw

Interest

6.79%p.a.

Comparison*

6.79%p.a.

Est. repayment

$3,256

LVR 70 to 80%

Enquire

ANZSimplicity Plus <60% LVR Investment P&I

VariableRedraw

Interest

6.89%p.a.

Comparison*

6.89%p.a.

Est. repayment

$3,290

LVR ≤60%

Enquire

ANZSimplicity Plus 60% - 70% LVR Investment P&I

VariableRedraw

Interest

6.94%p.a.

Comparison*

6.94%p.a.

Est. repayment

$3,306

LVR 60 to 70%

Enquire

ANZSimplicity Plus 70% - 80% LVR Investment P&I

VariableRedraw

Interest

7.04%p.a.

Comparison*

7.04%p.a.

Est. repayment

$3,340

LVR 70 to 80%

Enquire

ANZSimplicity Plus <60% LVR Investment IO

VariableRedraw

Interest

7.29%p.a.

Comparison*

Not available

Est. interest only / month

$3,038

LVR ≤60%

Based on a $500,000 balance

Enquire

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

ANZSimplicity Plus 60% - 70% LVR Investment IO

VariableRedraw

Interest

7.34%p.a.

Comparison*

Not available

Est. interest only / month

$3,058

LVR 60 to 70%

Based on a $500,000 balance

Enquire

ANZSimplicity Plus 80% - 90% LVR Owner Occupied P&I

VariableRedraw

Interest

7.34%p.a.

Comparison*

7.34%p.a.

Est. repayment

$3,441

LVR 80 to 90%

Enquire

ANZSimplicity Plus 70% - 80% LVR Investment IO

VariableRedraw

Interest

7.44%p.a.

Comparison*

Not available

Est. interest only / month

$3,100

LVR 70 to 80%

Based on a $500,000 balance

Enquire

ANZStandard Variable Loan <80% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

7.49%p.a.

Comparison*

7.59%p.a.

Est. repayment

$3,493

LVR ≤80%

Enquire

ANZSimplicity Plus 80% - 90% LVR Investment P&I

VariableRedraw

Interest

7.74%p.a.

Comparison*

7.74%p.a.

Est. repayment

$3,579

LVR 80 to 90%

Enquire

ANZStandard Variable Loan >80% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

7.69%p.a.

Comparison*

7.79%p.a.

Est. repayment

$3,561

LVR 80 to 95%

Enquire

ANZSimplicity Plus >90% LVR Owner Occupied P&I

VariableRedraw

Interest

7.89%p.a.

Comparison*

7.89%p.a.

Est. repayment

$3,631

LVR 90 to 95%

Enquire

ANZStandard Variable Loan <80% LVR Owner Occupied IO

VariableOffsetRedraw

Interest

8.04%p.a.

Comparison*

Not available

Est. interest only / month

$3,350

LVR ≤80%

Based on a $500,000 balance

Enquire

ANZSimplicity Plus 80% - 90% LVR Investment IO

VariableRedraw

Interest

8.04%p.a.

Comparison*

Not available

Est. interest only / month

$3,350

LVR 80 to 90%

Based on a $500,000 balance

Enquire

ANZStandard Variable Loan <80% LVR Investment P&I

VariableOffsetRedraw

Interest

8.09%p.a.

Comparison*

8.19%p.a.

Est. repayment

$3,700

LVR ≤80%

Enquire

ANZSimplicity Plus >90% LVR Investment IO

VariableRedraw

Interest

8.23%p.a.

Comparison*

Not available

Est. interest only / month

$3,429

LVR 90 to 95%

Based on a $500,000 balance

Enquire

ANZSimplicity Plus >90% LVR Investment P&I

VariableRedraw

Interest

8.24%p.a.

Comparison*

8.24%p.a.

Est. repayment

$3,753

LVR 90 to 95%

Enquire

ANZStandard Variable Loan <80% LVR Investment IO

VariableOffsetRedraw

Interest

8.34%p.a.

Comparison*

Not available

Est. interest only / month

$3,475

LVR ≤80%

Based on a $500,000 balance

Enquire

ANZStandard Variable Loan >80% LVR Investment P&I

VariableOffsetRedraw

Interest

8.29%p.a.

Comparison*

8.39%p.a.

Est. repayment

$3,770

LVR 80 to 95%

Enquire

ANZStandard Variable Loan >80% LVR Investment IO

VariableOffsetRedraw

Interest

8.54%p.a.

Comparison*

Not available

Est. interest only / month

$3,558

LVR 80 to 95%

Based on a $500,000 balance

Enquire

ANZStandard Variable Loan Owner Occupied P&I

VariableOffsetRedraw

Interest

8.89%p.a.

Comparison*

8.99%p.a.

Est. repayment

$3,984

LVR ≤95%

Enquire

ANZStandard Variable Loan Owner Occupied IO

VariableOffsetRedraw

Interest

9.44%p.a.

Comparison*

Not available

Est. interest only / month

$3,933

LVR ≤80%

Based on a $500,000 balance

Enquire

*Important Information and Comparison Rate Warning

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.

The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.

ANZ · Variable

ANZ variable home loans, what to weigh

Variable rates move with the lender's pricing decisions and the cash rate cycle. Less certainty, more flexibility, unlimited extra repayments, full offset. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every variable option has the same price.