5.The interest rate shown includes any applicable interest rate discount from the index rate. For ANZ Standard Variable, the interest rate discount is1.20% p.a.for loans with a Loan to Value Ratio (LVR) of greater than 80% and1.40% p.a.for loans with a LVR 80% or less. For applications submitted from 28 October 2024 for ANZ Fixed, there is no interest rate discount for loans with a LVR of greater than 80% and the interest rate discount is0.45% p.a.for loans with a LVR of 80% or less.

6.Index rate current as atFriday, 9 May 2025and subject to change. The index rate (or reference rate) does not include any interest rate discounts that may apply.

7.The rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.

Rates shown apply during the interest only period of your loan. Choose from 1-5 year interest only terms for owner occupied on an ANZ Standard Variable (Land Loan up to three years) and ANZ Fixed (Land Loan up to three years) and choose from 1-5, 7 and 10 year interest only terms for residential investments on an ANZ Standard Variable (Land Loan up to one year), ANZ Fixed (Land Loan up to one year) and ANZ Simplicity PLUS. If you choose to make interest only payments on ANZ Fixed, your fixed period and interest only period will be the same. After the interest only period, your rate will switch to the applicable variable rate for a principal and interest loan. At the end of the interest only period, minimum repayment amounts may increase to cover principal and interest. Interest only loans are not for everyone and you should consider if this is the right strategy for you.

Interest only repayments are not available for new ANZ Simplicity PLUS Home Loan applications.

The rate shown is the Simplicity PLUS Residential Investment Property Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.

8.Property value is ANZ’s valuation of the security property and may be different to the price you pay for a property.

9.Rates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan.

9.ANZ does not provide personal advice, and the Home Loan comparison tool is only intended to assist you compare ANZ home loan options. It is provided for illustrative purposes only. Terms and Conditions, fees, charges, credit approvals and eligibility criteria apply to ANZ Home Loans.

10.Estimated LVR is based on the limited information provided and is for illustrative purposes only. Estimated LVR is rounded up to one decimal place. For example, an estimated LVR of 80.01% will be rounded up to 80.1%. The value of the property (as assessed by ANZ) may differ from your estimate. It does not constitute a quote or an offer for credit. To apply for an ANZ home loan you must complete an application. All applications for credit are subject to ANZ’s credit approval criteria.