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Get started with ANZ Buy Ready™

Understand your buying power in around 10 minutes with The ANZ Home Loan Calculator.

  • Create multiple home loan scenarios
  • Enter your property goals and financial details
  • We’ll factor in costs like stamp duty so you can get a more accurate estimate
  • Compare, save and review your options
  • Download a PDF summary

Get started

Or if you’d just like a quick idea of how much you could borrow, use our Borrowing Power Calculator.

Want to know more about a home or suburb you love? Our free ANZ Property Profile Reportsdisclaimer provide you with insights to help you make informed decisions.

Your report will include (where available):

  • An estimated price rangedisclaimer
  • Comparable sales results in the area
  • Sale and rental listings in the area
  • Interesting suburb insights and trends
  • Historical sales results of the property 

Request a report online 

or call 1300 737 571

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 more

Personal and counter cheques are the most common way to pay a deposit, particularly at auctions where the sale price is unknown. We offer different ways for you to access your deposit even if you don't have the cash on hand.

Learn more

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.

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.

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.

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.

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.

Know the cost of private schools in the area

Schools are often an important consideration when deciding where to buy. Find out how much the school of your choice could cost now and into the future with ANZ School Ready®. You'll receive a free report with a detailed fee forecast and savings plan.


Get a quick estimate of your borrowing power or what your repayments might be.

Looking for a more personlised estimate? Try our scenario based  ANZ Home Loan Calculator

What could my repayments be?

Get an estimate of your potential loan repayments

How much could I borrow?

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

FAQs - get your questions answered

   What are LMI and LVR?

If you need to borrow more than 80% of the amount your property is valued at by ANZ you may need to pay Lenders Mortgage Insurance (LMI). Banks often call this percentage the ‘LVR’ , which stands for ‘Loan to Value Ratio’. LMI protects the lender if you default on your loan. For some property types, LMI might be required when LVR is less than 80%. 


   Should I get an offset account?disclaimer

If you have money in an everyday banking account, you may choose to move it into an ANZ One offset account. You can link it to your ANZ Standard Variable loan or one-year ANZ Fixed loan to help you save on interest charges. The money you have in ANZ One will offset the amount you owe on your home loan, and you’ll only be charged interest on the difference.

   Principal and interest, or interest only?

Let’s put it this way: if you choose interest only, your minimum repayments will be lower during the interest only period because you are not required to repay the principal balance. You will have to repay the principal down the track and you will pay more over the life of your loan. Choosing to repay principal and interest means that you’re actually paying off the total loan amount over the period of the loan, not just the interest charges.

   How is interest calculated?

Interest is calculated based on the unpaid daily balance of your loan. For example, if you had a loan balance of $150,000 and your interest rate was 6% p.a., your interest charge would be: $150,000 x 6% divided by 365 days = $24.66 for that day. For most ANZ Home Loans, interest is usually calculated daily and charged monthly. For details refer to the ANZ Consumer Lending Terms and Conditions (PDF 412kB) and your letter of offer.

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

Locate a mobile lender

Fill out a quick form

Enquire online

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

™ANZ Buy Ready is a trade mark of Australia and New Zealand Banking Group limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527. ANZ’s colour blue is a trade mark of ANZ. Item No. 889936.

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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, minimum repayments will increase to principal and interest after the interest only period expires. 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.

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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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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Terms and Conditions, fees and charges apply. Refer to ANZ Personal Account Fees and Charges booklet (PDF 139kB).

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