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Applying for your home loan 

Make your move with confidence by finding out how much you can borrow, and take the convenient route on your home buying journey by applying anytime, anywhere.

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Still looking for your dream home?

Find your new home with the added confidence that your loan is conditionally pre-approved.

Apply for pre-approval

You've found the one

This is it! You've found your perfect home. Apply now for conditional approval.

Apply online

Get a better deal

Move your mortgage to ANZ and get the most out of our award-winning home loans.disclaimer

Refinance online

A home loan offer so good...

Get 300,000 Qantas Points and the chance to win up to $500k off your home loan on an eligible home loan over $300k by 31 August.

Who needs a celebrity?


Get on it now

What you need to apply online

All applicants need to provide the information requested and be eligible to apply online.


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Details you'll need

Financial details

  • Your salary and any other income
  • A breakdown of your living expenses
  • Details of any loans, credit cards or other debts, as well as how much you repay
  • Information on any assets you will use as security for your loan

Details about you and any other applicants

  • Your driver's licence information (if you have one)
  • An ANZ Customer Reference Number (CRN) or account number (if you're an existing ANZ customer)

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To apply online, please ensure

  • You are over 18 years old
  • You are an Australian or New Zealand citizen or permanent resident
  • Your primary income is in Australian dollars
  • The property being purchased is the only property to be used as security for the loan

Tools and calculators

Before applying, use our mortgage calculators to arm yourself with useful home loan estimates.

We're here to help

If you need some assistance with your application, or don't meet our online criteria, we're here to help you.

Start a conversation

We're ready to chat, even if you're not ready to buy. Just let us know how and when to contact you and a home loan expert will be in touch.


We can come to you

Our mobile lenders can meet you at a time and place that works for you.


Come in and see us

Meet with a home loan expert at one of our ANZ branches.


Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF, 104kB) before acquiring any product. Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply.

ANZ may provide pre-approval (also known as Approval in Principle) to eligible customers who apply for an ANZ home loan and complete an application form. An Approval in Principle is an approval for a loan subject to conditions being met, including that security is satisfactory to ANZ. Australian Credit Licence Number 234527.

Over the past 16 years, ANZ has been awarded ‘Home Lender of the Year’ by Australian Lending Awards (2015 and 2016), ‘Home Lender of the Year’ by Money magazine (2005 - 2008, 2010, 2012 and 2014), and Personal Investor magazine (1999 - 2002, 2004 and 2005). ANZ has also won 'Best Investor' for four consecutive years (2011 - 2014) at the Australian Lending Awards, as well as the CANSTAR Bank of the Year - First Home Buyers award (2015).


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