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Buying your first home

Buying your first home is exciting, but you have a lot to think about. We can help guide you along the way with information and products to ensure you're ready to make your move.

Start your property buying journey

Now's the time to get the information you need to:

  • Do your research - understand market and potential property prices as well as the home buying process
  • Finalise your purchase
  • Manage your loan and property

Sort out your deposit

The bigger your deposit, the better your buying power. Buying your first property? Check if you're eligible for a First Home Owner Grant. If your deposit is less than 20% of the property price, you'll generally need Lenders Mortage Insurance (LMI) to protect us in case you can't repay your loan.disclaimer

Get ANZ Buy Ready™

Be ready to make your move:

  • Get the knowledge and tools to secure the home you want
  • Work out an estimate of your buying power
  • Apply for Approval in Principledisclaimer
  • Get a better view of the potential price with a free ANZ Property Profile Reportdisclaimer

Buying your next home

Whether you're upsizing, downsizing or just looking for a change of scene, we can help. We can show you how you may be able to use any equity in your current home, for example.

Got any equity in existing property?

Equity is the difference between the value of your home and how much you owe on it. You may be able to make use of it towards your deposit when you buy your next home.

Selling your home? We can help with ANZ Sell Ready™

Over the years, we've helped many customers get their new homes with ANZ Buy Ready. Now let's help you get ready to sell your current home, with tools, tips and lots more helpful resources and information.

Need to buy before you can sell?

If you would like to buy before selling, ANZ Bridging Finance could be an option to help you purchase a new home while you wait for the sale of your current property.disclaimer

Depending on your circumstances, we may have a number of other options available such as a supplementary loan or redrawing on your current loan, or an ANZ Deposit Bond, which can take the place of all or part of the 10% cash deposit usually required up front when purchasing residential propertydisclaimer.

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)

Let us come to you

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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 Terms and Conditions, Product Disclosure Statement and Financial Services Guide before acquiring any product. 

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For some property types, LMI might be required when your deposit is more than 20% of the property’s value as assessed by ANZ.

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ANZ can provide 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.

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All estimates contained in ANZ Property Profile Reports are based on public sales history only, which may not include all sales. Estimates may not be available for all properties. Sales history and past performance is not indicative of future performance. ANZ Property Profile Reports are for personal domestic use only.

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Particular credit assessment criteria and maximum loan term of 6 months apply (12 months if your property is being constructed). Repayments will be interest only payments followed by a final payment of principal and interest. Bridging finance is only available if you intend to sell your current property within 6 months  (12 months if your property is being constructed) of settlement of your new property. 

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ANZ Deposit Bond is issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 (QBE) and managed by Deposit Bond Australia Pty Limited ABN 28 003 772 487 (Deposit Bond Australia). In arranging this bond, Australia New Zealand Banking Group Limited ABN 11 005 357 522 (ANZ) is acting under an authority given to it by QBE and in doing so is acting on behalf of QBE and not as your agent. Deposit Bond Australia and ANZ and its related corporations do not accept any liability for, nor guarantee the payment of any claim or benefit in respect of ANZ Deposit Bond or QBE. ANZ group receives a commission from QBE. Please refer to the ANZ Deposit Bond brochure (PDF 144kB) for further details.

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