skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

Security guarantees and deposit bonds

More options to help you secure the home you want

ANZ Security Guarantee

Get a head start in property

With an ANZ Security Guarantee, a family member could help you to get into your home faster. 

What you should know

  • An ANZ Security Guarantee could reduce your LVR to less than 80% and save you from having to pay LMI. For example, on a loan of $400,000, reducing the LVR from 90% to below 80% could help avoid LMI or around $8,000.disclaimer
  • It could help you maximise the amount you can borrow for your property.
  • The guarantee doesn't have to be for the whole amount of the loan. It can be limited to an amount that's just enough to reduce the LVR to below 80%.

How does an ANZ Security Guarantee work?

If you need to borrow more than 80% of the amount your property is valued at by ANZ, you'll generally need to pay Lenders Mortgage Insurance (LMI). An ANZ Security Guarantee allows a guarantor (a family member who meets ANZ's requirements) to use the equity in their own home as additional security for your loan. This means that it could be used to reduce your Loan to Value Ratio (LVR) to below 80%, so you may be able to buy a property sooner and avoid paying LMI. 

  • Choose from our home and residential investment loans 
  • The guarantor must meet ANZ's requirements and must understand and be willing to accept their obligation as a guarantor
  • Guarantors are generally someone in your family like your parents

Before you decide on an ANZ Security Guarantee, consider that:

It is important to remember that the decision to use an ANZ Security Guarantee should not be taken lightly. If for some reason you are unable to repay your loan, the responsibility is passed to your guarantor. ANZ strongly recommends that guarantors seek independent legal and financial advice before signing a guarantee.

Contact us to find out more about an ANZ Security Guarantee.

ANZ Deposit Bond

What is an ANZ Deposit Bond?

An ANZ Deposit Bond can take the place of all or part of the 10% cash deposit usually required upfront when purchasing residential property. By guaranteeing your deposit for you, it enables you to defer the payment of your deposit until the settlement date on your new property – so you don’t have to worry about finding your cash deposit right away. A deposit bond can be a smart, cost effective alternative for your home deposit. 

For more details, read ANZ Deposit Bond (PDF 144kB).


  • Fast approval 
  • Unsecured and inexpensive
  • No need to use bridging finance or your savings for your deposit
  • No need to break fixed term investments
  • Purchase with confidence at auctions and private sales

To apply, visit any ANZ branch.

FAQs - get your questions answered

   Where are Deposit Bonds accepted?

Deposit Bonds are legal and available in all States and Territories. We recommend that you check with the vendor for acceptance before purchase.

   Can you get a refund if the Deposit Bond is not used?

Once the premium has been paid and the bond has been issued, you won't be able to get a refund.

   Who can purchase a Deposit Bond?

A Deposit Bond can be purchased by

  • Existing property owners who wish to purchase another property
  • Property investors who wish to expand their property portfolio 
  • First home buyers.

Deposit Bonds could be an option for home buyers who have funds tied up in investments or in their home, and need to provide a deposit. They can also be used for purchasing off-the-plan property. 

Note that a Deposit Bond can only be issued when we've approved unconditional finance. 

   Can a Deposit Bond be used at an auction?

A Deposit Bond can be used at auctions. The bond amount is fixed but the property details are left blank, so you can attend a number of auctions and have a bond available for the deposit if successful. The vendor and the property details can be completed by you when your bid is successful.

   How long is a Deposit Bond valid for?

ANZ Deposit Bonds have expiry dates of 3 months or 6 months. Deposit Bonds will no longer be valid when the contract of sale is completed, terminated, rescinded or the expiry date occurs - whichever occurs first. 

It could also expire when a claim is paid by the guarantor, QBE Insurance (Australia) Limited ABN 78 003 191 035.

Contact us, we're here to help

Call a Home Loan Specialist

1800 100 641

Mon-Fri 8.00am to 8.00pm (AEST),
Sat-Sun 8.00am to 6.00pm (AEST)

Visit a branch

Locate us

All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply. 

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. 

The Lenders Mortgage Insurance (LMI) premium payable is estimated at approximately $8,000 based on a $400,000 owner occupier loan with a Loan to Value Ratio (LVR) of 90% (92% including capitalisation of LMI). The LMI premium will vary based on the LVR.

Back to top