{
  "brand": "ANZ Plus",
  "brand_label": "ANZ Plus",
  "brand_slug": "anz-plus",
  "legal_entity_abn": "11005357522",
  "public_base_uri": "https://cdr.apix.anz",
  "logo_uri": "https://assets.anz.com/is/image/anz/ANZPlus-Logo-Blue?$ResponsiveImage$&fmt=png-alpha",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-12T13:00:00Z",
  "at_a_glance": {
    "note": "This bank's lowest ranked rate per purpose, repayment type and rate kind, one line each: the lowest of the bank's own entries in the best/{purpose}/{repayment}/{lvr}/{loan}/{kind}.json buckets (broker-only rates left out, as there), so it matches best/ and top/. A bank that lends only to a named group (restricted membership) is left out of their entries and top but listed in entries_with_restricted; its lines here carry eligibility, a key into eligibility_sets saying who can borrow, with the bank's own words. reference_lvrs are the bucket LVRs where it is the bank's entry; a higher LVR usually costs more and that rate is in rows. Null lvr_min and lvr_max mean the bank states no LVR band, read as up to 80%. conditions is a key into condition_sets. unranked counts the rows no bucket ranks. comparison_rate_at_600000_pct is our comparison rate for a $600,000 loan over 25 years from the bank's published fees, not the bank's own figure (comparison_rate_pct, on $150,000); null where our check against the bank's figure failed or a fixed rate's revert rate is not known. Every product and rate row follows in products and rows.",
    "rates": [
      {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"variable","rate_pct":6.75,"comparison_rate_pct":6.75,"comparison_rate_at_600000_pct":6.75,"product_label":"Home Loan Variable","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":10000,"loan_max":2000000,"annual_fee":null,"upfront_fees":null,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false},
      {"purpose":"investment","repayment":"principal_and_interest","kind":"variable","rate_pct":7.05,"comparison_rate_pct":7.05,"comparison_rate_at_600000_pct":7.05,"product_label":"Home Loan Variable","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":10000,"loan_max":2000000,"annual_fee":null,"upfront_fees":null,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "Refinance only: for an existing home loan of $10,000 to $2,000,000",
        "All borrowers Australian or NZ citizens or permanent residents earning PAYG or rental income",
        "Properties in Tasmania and the Northern Territory not accepted",
        "Apply for and manage the loan in the ANZ Plus app only",
        "Must be an ANZ Plus customer or open ANZ Plus Everyday and Growth Saver accounts before applying",
        "No vacant land, construction or off-the-plan; property valued at no more than $5,000,000; freehold only",
        "Applicants must not be a guarantor on any other loan"
      ]
    },
    "unranked": {
      "rows": 0
    }
  },
  "source": "Each bank's own published product data (its Consumer Data Right Product Reference Data API, public and unauthenticated), plus a few terms that data leaves out, read from the bank's own pages",
  "licence_note": "Rates are published by each bank as public product reference data, as the Consumer Data Right requires, and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice and the rate a borrower is offered depends on the bank's assessment; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
      "product_id": "HLVAR01",
      "product_name": "ANZ Plus Home Loan Variable",
      "product_label": "Home Loan Variable",
      "product_url": "https://www.anz.com.au/plus/digital-home-loans/",
      "product_url_source": "feed",
      "terms_url": "https://anz.com/plus/homeloantncs",
      "terms_url_source": "feed",
      "description": "ANZ Plus Home Loan Variable",
      "offset": true,
      "redraw": true,
      "extra_repayments": true,
      "annual_fee": null,
      "upfront_fees": null,
      "exit_fees": 350.0,
      "fees": [
        {
          "name": "LATE PAYMENT FEE",
          "fee_type": "EVENT",
          "amount": 20.0,
          "frequency": null,
          "info": "Charged when a payment remains unpaid for 30 days or more after it is due. A further fee is payable monthly when the loan continues to be in arrears."
        },
        {
          "name": "ANZ LOAN DISCHARGE FEE",
          "fee_type": "EVENT",
          "amount": 350.0,
          "frequency": null,
          "info": "This fee is payable each time ANZ is required to attend a property settlement (in person, electronically or another way) and a discharge of the Mortgage over t…"
        },
        {
          "name": "Production Fee",
          "fee_type": "EVENT",
          "amount": 150.0,
          "frequency": null,
          "info": "This fee is payable each time ANZ produce title documents for you (in person, electronically or another way) on your request."
        },
        {
          "name": "Registration of Mortgage",
          "fee_type": "OTHER",
          "amount": null,
          "frequency": null,
          "info": "Payable to the government body when registering a mortgage over a property. Refer to a relevant state/territory revenue office for the amount"
        },
        {
          "name": "Discharge Of Mortgage",
          "fee_type": "OTHER",
          "amount": null,
          "frequency": null,
          "info": "Payable to the government body when discharging an existing mortgage over a property. Refer to a relevant state/territory revenue office for the amount"
        }
      ],
      "fees_as_published": null,
      "max_lvr": 80.0,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "eligibility": null,
      "discounts": [],
      "source_url": "https://cdr.apix.anz/cds-au/v1/banking/products/HLVAR01",
      "source_snapshot": "/au/finance/home-loans/v1/source/anz-plus/HLVAR01.json",
      "snapshot_at": "2026-11-13T01:20:39Z",
      "bank_last_updated": "2026-11-12T13:00:00.000Z",
      "correction": null,
      "row_count": 4,
      "conditions": [
        "Refinance only: for an existing home loan of $10,000 to $2,000,000",
        "All borrowers Australian or NZ citizens or permanent residents earning PAYG or rental income",
        "Properties in Tasmania and the Northern Territory not accepted",
        "Apply for and manage the loan in the ANZ Plus app only",
        "Must be an ANZ Plus customer or open ANZ Plus Everyday and Growth Saver accounts before applying",
        "No vacant land, construction or off-the-plan; property valued at no more than $5,000,000; freehold only",
        "Applicants must not be a guarantor on any other loan"
      ]
    }
  ],
  "rows": [
    {
      "brand": "ANZ Plus",
      "brand_label": "ANZ Plus",
      "brand_slug": "anz-plus",
      "legal_entity_abn": "11005357522",
      "product_id": "HLVAR01",
      "product_name": "ANZ Plus Home Loan Variable",
      "product_label": "Home Loan Variable",
      "product_url": "https://www.anz.com.au/plus/digital-home-loans/",
      "terms_url": "https://anz.com/plus/homeloantncs",
      "record_stale": false,
      "record_correction": null,
      "rate_kind": "variable",
      "lending_rate_type": "VARIABLE",
      "fixed_months": null,
      "kind": "variable",
      "purpose": "investment",
      "repayment": "principal_and_interest",
      "rate": 0.0705,
      "rate_pct": 7.05,
      "comparison_rate": 0.0705,
      "comparison_rate_pct": 7.05,
      "lvr_min": 0.0,
      "lvr_max": 80.0,
      "lvr_source": "product",
      "loan_min": 10000.0,
      "loan_max": 2000000.0,
      "interest_in_advance": false,
      "offset": true,
      "redraw": true,
      "annual_fee": null,
      "upfront_fees": null,
      "exit_fees": 350.0,
      "revert_rate": null,
      "revert_rate_basis": null,
      "comparison_check": {
        "ok": true,
        "ours_at_150k": 7.05,
        "bank": 7.05
      },
      "restrictions": [],
      "eligibility": null,
      "ranked": true,
      "conditions": [
        "Refinance only: for an existing home loan of $10,000 to $2,000,000",
        "All borrowers Australian or NZ citizens or permanent residents earning PAYG or rental income",
        "Properties in Tasmania and the Northern Territory not accepted",
        "Apply for and manage the loan in the ANZ Plus app only",
        "Must be an ANZ Plus customer or open ANZ Plus Everyday and Growth Saver accounts before applying",
        "No vacant land, construction or off-the-plan; property valued at no more than $5,000,000; freehold only",
        "Applicants must not be a guarantor on any other loan"
      ],
      "additional_info": "Principal and Interest, Investor, Discounted Rate",
      "source_url": "https://cdr.apix.anz/cds-au/v1/banking/products/HLVAR01",
      "source_snapshot": "/au/finance/home-loans/v1/source/anz-plus/HLVAR01.json",
      "bank_last_updated": "2026-11-12T13:00:00.000Z"
    },
    {
      "brand": "ANZ Plus",
      "brand_label": "ANZ Plus",
      "brand_slug": "anz-plus",
      "legal_entity_abn": "11005357522",
      "product_id": "HLVAR01",
      "product_name": "ANZ Plus Home Loan Variable",
      "product_label": "Home Loan Variable",
      "product_url": "https://www.anz.com.au/plus/digital-home-loans/",
      "terms_url": "https://anz.com/plus/homeloantncs",
      "record_stale": false,
      "record_correction": null,
      "rate_kind": "variable",
      "lending_rate_type": "VARIABLE",
      "fixed_months": null,
      "kind": "variable",
      "purpose": "investment",
      "repayment": "principal_and_interest",
      "rate": 0.0974,
      "rate_pct": 9.74,
      "comparison_rate": null,
      "comparison_rate_pct": null,
      "lvr_min": 0.0,
      "lvr_max": 80.0,
      "lvr_source": "product",
      "loan_min": 10000.0,
      "loan_max": 2000000.0,
      "interest_in_advance": false,
      "offset": true,
      "redraw": true,
      "annual_fee": null,
      "upfront_fees": null,
      "exit_fees": 350.0,
      "revert_rate": null,
      "revert_rate_basis": null,
      "comparison_check": {
        "ok": false,
        "ours_at_150k": 9.74,
        "bank": null,
        "reason": "no bank comparison rate"
      },
      "restrictions": [],
      "eligibility": null,
      "ranked": true,
      "conditions": [
        "Refinance only: for an existing home loan of $10,000 to $2,000,000",
        "All borrowers Australian or NZ citizens or permanent residents earning PAYG or rental income",
        "Properties in Tasmania and the Northern Territory not accepted",
        "Apply for and manage the loan in the ANZ Plus app only",
        "Must be an ANZ Plus customer or open ANZ Plus Everyday and Growth Saver accounts before applying",
        "No vacant land, construction or off-the-plan; property valued at no more than $5,000,000; freehold only",
        "Applicants must not be a guarantor on any other loan"
      ],
      "additional_info": "Principal and Interest, Investor, Index Rate",
      "source_url": "https://cdr.apix.anz/cds-au/v1/banking/products/HLVAR01",
      "source_snapshot": "/au/finance/home-loans/v1/source/anz-plus/HLVAR01.json",
      "bank_last_updated": "2026-11-12T13:00:00.000Z"
    },
    {
      "brand": "ANZ Plus",
      "brand_label": "ANZ Plus",
      "brand_slug": "anz-plus",
      "legal_entity_abn": "11005357522",
      "product_id": "HLVAR01",
      "product_name": "ANZ Plus Home Loan Variable",
      "product_label": "Home Loan Variable",
      "product_url": "https://www.anz.com.au/plus/digital-home-loans/",
      "terms_url": "https://anz.com/plus/homeloantncs",
      "record_stale": false,
      "record_correction": null,
      "rate_kind": "variable",
      "lending_rate_type": "VARIABLE",
      "fixed_months": null,
      "kind": "variable",
      "purpose": "owner_occupied",
      "repayment": "principal_and_interest",
      "rate": 0.0675,
      "rate_pct": 6.75,
      "comparison_rate": 0.0675,
      "comparison_rate_pct": 6.75,
      "lvr_min": 0.0,
      "lvr_max": 80.0,
      "lvr_source": "product",
      "loan_min": 10000.0,
      "loan_max": 2000000.0,
      "interest_in_advance": false,
      "offset": true,
      "redraw": true,
      "annual_fee": null,
      "upfront_fees": null,
      "exit_fees": 350.0,
      "revert_rate": null,
      "revert_rate_basis": null,
      "comparison_check": {
        "ok": true,
        "ours_at_150k": 6.75,
        "bank": 6.75
      },
      "restrictions": [],
      "eligibility": null,
      "ranked": true,
      "conditions": [
        "Refinance only: for an existing home loan of $10,000 to $2,000,000",
        "All borrowers Australian or NZ citizens or permanent residents earning PAYG or rental income",
        "Properties in Tasmania and the Northern Territory not accepted",
        "Apply for and manage the loan in the ANZ Plus app only",
        "Must be an ANZ Plus customer or open ANZ Plus Everyday and Growth Saver accounts before applying",
        "No vacant land, construction or off-the-plan; property valued at no more than $5,000,000; freehold only",
        "Applicants must not be a guarantor on any other loan"
      ],
      "additional_info": "Principal and Interest, Owner Occupied, Discounted Rate",
      "source_url": "https://cdr.apix.anz/cds-au/v1/banking/products/HLVAR01",
      "source_snapshot": "/au/finance/home-loans/v1/source/anz-plus/HLVAR01.json",
      "bank_last_updated": "2026-11-12T13:00:00.000Z"
    },
    {
      "brand": "ANZ Plus",
      "brand_label": "ANZ Plus",
      "brand_slug": "anz-plus",
      "legal_entity_abn": "11005357522",
      "product_id": "HLVAR01",
      "product_name": "ANZ Plus Home Loan Variable",
      "product_label": "Home Loan Variable",
      "product_url": "https://www.anz.com.au/plus/digital-home-loans/",
      "terms_url": "https://anz.com/plus/homeloantncs",
      "record_stale": false,
      "record_correction": null,
      "rate_kind": "variable",
      "lending_rate_type": "VARIABLE",
      "fixed_months": null,
      "kind": "variable",
      "purpose": "owner_occupied",
      "repayment": "principal_and_interest",
      "rate": 0.0914,
      "rate_pct": 9.14,
      "comparison_rate": null,
      "comparison_rate_pct": null,
      "lvr_min": 0.0,
      "lvr_max": 80.0,
      "lvr_source": "product",
      "loan_min": 10000.0,
      "loan_max": 2000000.0,
      "interest_in_advance": false,
      "offset": true,
      "redraw": true,
      "annual_fee": null,
      "upfront_fees": null,
      "exit_fees": 350.0,
      "revert_rate": null,
      "revert_rate_basis": null,
      "comparison_check": {
        "ok": false,
        "ours_at_150k": 9.14,
        "bank": null,
        "reason": "no bank comparison rate"
      },
      "restrictions": [],
      "eligibility": null,
      "ranked": true,
      "conditions": [
        "Refinance only: for an existing home loan of $10,000 to $2,000,000",
        "All borrowers Australian or NZ citizens or permanent residents earning PAYG or rental income",
        "Properties in Tasmania and the Northern Territory not accepted",
        "Apply for and manage the loan in the ANZ Plus app only",
        "Must be an ANZ Plus customer or open ANZ Plus Everyday and Growth Saver accounts before applying",
        "No vacant land, construction or off-the-plan; property valued at no more than $5,000,000; freehold only",
        "Applicants must not be a guarantor on any other loan"
      ],
      "additional_info": "Principal and Interest, Owner Occupied, Index Rate",
      "source_url": "https://cdr.apix.anz/cds-au/v1/banking/products/HLVAR01",
      "source_snapshot": "/au/finance/home-loans/v1/source/anz-plus/HLVAR01.json",
      "bank_last_updated": "2026-11-12T13:00:00.000Z"
    }
  ]
}