Home loan borrowing power calculator

ANZ may provide pre-approval (also known as approval in principle or conditional approval) to eligible customers who apply for an ANZ home loan and complete an application form and satisfy any other applicable requirements. Pre-approval is an approval for a loan subject to conditions being met, including that security is satisfactory to ANZ. Australian Credit Licence Number 234527.

The interest rate shown includes any applicable interest rate discount from the index rate. For ANZ Standard Variable, the interest rate discount is   for loans with a Loan to Value Ratio (LVR) of greater than 80% and  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 is  for loans with a LVR of 80% or less.

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.

Interest rates shown on this page are current as at  and are subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF), ANZ Personal Banking General Fees and Charges (PDF) and your letter of offer.

Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including any applicable interest rate discounts. These rates are for secured loans only.

WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

For interest only variable loans, the comparison rates are based on an initial 5 year interest only term. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.

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

Offer can be withdrawn at any time. Limit of one cashback within any 12 month period. Offer is $2,000 cashback with 80.00% LVR or less, loans with LVR above 80% are not eligible for cashback. Paid within 60 days to an eligible ANZ account. You must drawdown the Eligible ANZ Home Loan(s) within 120 days from applying. Excludes all internal refinances and switches within ANZ Group which includes Suncorp Bank and ANZ Plus. See the full Terms and Conditions (PDF) for this offer. Fees, charges, eligibility criteria apply.

Offer can be withdrawn at any time. Maximum one bonus per eligible loan, individual may only claim once. Available for eligible First Home Buyers who purchase or construct their first property and take out an Eligible ANZ Home Loan of $250,000 or more. To be eligible to receive the bonus First Home Buyers must hold an ANZ Access Advantage, ANZ Plus or ANZ One offset account at loan drawdown. Drawdown on the Eligible ANZ Home Loan(s) must take place within 180 days from applying. See the full Terms and Conditions (PDF) for this offer. Fees, charges and eligibility criteria apply.

ANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.

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.