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Get ANZ Buy Ready™

Be ready to make your move

Looking for your first home, a new home or even an investment? We have the tools to help you snap up the property you love.

Get free ANZ Property Profile Reports

Call a home loans specialist  1800 100 641

Get a free ANZ Property Profile Reportdisclaimer

With a free ANZ Property Profile Report you'll receive consolidated, essential information about a property, saving you time before you go to the open home.disclaimer


  • Property price predictiondisclaimer
  • Comparable sales results in the area
  • Sale and rental listings in the area
  • Interesting suburb insights and trends
  • Recent sales history of the property

Request a report

Home loans calculators

Calculate how much you can afford to borrow and what your repayments could mean for you

Important notice: Simplicity PLUS with Interest Only repayment is no longer available for new applications submitted from 29-May-2017.

How much could I borrow?

Get an indication of how much you may be able to borrow

What could my repayments be?

Get an estimate of your potential loan repayments

Get Approval in Principledisclaimer

We can help you estimate what you can afford to borrow, giving you the confidence to make an offer on the property you want. Getting an Approval in Principle will help you:

  • Know how much you can afford to borrow
  • Plan your budget
  • Be confident to make an offer
  • Be seen by agents as a serious buyer

Learn moreEnquire online

Be ready to pay on the day

Ways to pay your deposit

Ways you can pay your deposit (always ask the agent in advance about your available options):

Personal cheque

The most common way to pay a deposit, particularly at auctions where the sale price is unknown. You'll need an account with a cheque facility and cheque book.

Counter cheque

If you have an account with a cheque facility but don’t have a cheque book, you can order a counter cheque in advance.


Deposit Bond

Guarantees your deposit and lets you defer paying it until settlement. The bond amount is fixed but property details can be left blank for use at auctions or private sale if the vendor has agreed.disclaimer

Ways to access your deposit

We offer different ways for you to access your deposit:

Utilising equity

You could apply to access the equity in your current home to provide a deposit for a new property.

Top-up solution

Increase your current home loan


Deposit Bond

Deposit Bond can take the place of all or part of your depositdisclaimer

Thinking about schools?

Know the cost of private school fees in the area

Schools are often an important consideration when deciding where to buy. Know the Private and Catholic school fees in your area now and into the future with ANZ School Ready®. You'll receive a free report with a detailed fee forecast and savings plan.disclaimer

Get started

More info to help you get ANZ Buy Ready™

First home buyers

If you're looking to buy your first home we can help you every step of the way. There are certain things you'll need to understand and take into consideration.

Get ANZ Sell Ready™

If you're getting ready to buy, you might have to get ready to sell as well. We can help you get started.

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.

Investing in property

Do you have equity to use? If you're looking to invest, there are things you should know.

Compare our home loans

To be prepared to buy, you'll need to learn about our home loans and choose the one that's right for you. Get a side-by-side comparison of our home loan features, fees, rates and charges.

What happens on the day

If you have your eye on a property that's for sale by auction, it's important to know what to expect that day. We can help you get ready.

Understanding the settlement process

We've found that a lot of property buyers get confused about what settlement involves. Here's how it works.

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. 

ANZ Buy Ready™ is a trade mark of ANZ.

Repayment Calculator

All applications for credit are subject to ANZ’s normal credit approval criteria. Product terms and conditions are available on application and eligibility criteria applies to the Breakfree package. An annual Breakfree package fee of $395 and a minimum lending requirement of $150,000 applies. Breakfree benefits only apply while you maintain the package and meet ongoing eligibility criteria. See ANZ Breakfree or ask ANZ for details.

This is an estimate for illustrative purposes only and is based on the limited information provided. It does not constitute an offer of credit. To apply for an ANZ Home Loan you must complete an application.

The estimated repayment amount does not include any fees or charges.

If a Variable Rate Loan is selected, the interest rate will be subject to change throughout the term of the Loan, which can impact on repayment amounts.

Results are based on approximate amortised scheduled repayments and do not take into account interest rate changes or other events that may change repayment amounts on a loan.

For fixed rate loans, once the fixed rate period expires, the loan reverts to a variable rate loan and repayment amounts will change.

For interest only loans, once the interest only period expires, the loan will revert to the applicable variable rate loan for the remainder of the loan term (unless another interest rate period is taken). At the end of the interest only period, minimum repayment amounts may increase to cover principal and interest. Interest only loans are not for everyone and you should consider if this is the right strategy for you.

The calculator does not include ANZ Equity Manager.

Interest rates are current as at  and are subject to change.

Rates shown for loans of less than $150,000 do not include the Breakfree discount. Visit ANZ Breakfree to find out if you are eligible for the Breakfree discount.

ANZ Home Loans are available for periods between 1 and 30 years.

ANZ Home Loans are available for a minimum of $10,000. This calculator has been set to a maximum of $9,900,000 but you can apply for a higher amount.

Borrowing power calculator

All applications for credit are subject to ANZ's normal credit approval criteria. Product terms and conditions are available on application. Fees and charges apply.

This estimate is based on the accuracy of the limited information provided. It is also based on a loan term of 30 years, repayment type principal and interest and either an ANZ Standard Variable rate for home loans or an ANZ Standard Variable rate for residential investment property loans depending on the type of property you have selected. The estimate might be different if repayment type is interest only. It does not constitute an offer of credit. To apply for an ANZ Home Loan you must complete an application. All applications for credit are subject to ANZ's normal credit approval criteria. ANZ does not store the information you provided to generate this document.

The calculation of estimated maximum home loan borrowing power excludes Lenders Mortgage Insurance. The value of the security property is also considered in any credit assessment criteria.

Minimum loan amounts apply to different loan types. For more information, visit or contact us.

Reports are based on a range of data sources, are not indicative of future performance and are only for personal domestic use. Price estimates may not be available for all sales and properties.

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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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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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Education fees are calculated with an inflation rate of 5.5% per year, which is based on ABS data for the 5 year period to March 2015. School fee data is collected and provided by Hobsons (a third party provider) from a national survey and information from other external and public sources, and is generally updated every year. The default assumptions, methodology and calculations for this summary have been provided by Rice Warner. As this information is based on data collected by a third party provider, ANZ does not warrant the accuracy or completeness of this information. Although ANZ considers the above assumptions used to estimate forecasted fees as reasonable, the fees shown in the reports are a forecast and general indication only and should not be relied upon. ANZ does not guarantee that the above assumptions take into account your personal needs and financial circumstances. ANZ School Ready® is a registered trademark of ANZ.

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