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Buying your first home

You in front of that SOLD sign. It's one of life's big moments. To help you get there, we’ve broken down the home buying process into bite-sized steps.

The best news? You also get an ANZ First Home Coach on your team to help you achieve that first home dream.

Talk to a First Home Coach

 

Saving for a house deposit

Hello, future home owner! Look out – you’re on your way to purchasing your own patch of land. Well done, you big dreamer, you.

Review your finances

First things first: let’s work out where you’re really at so we can figure out what you need to save.

What you really need for a deposit

Surprises are good. Unexpected costs are not. Don’t get derailed by the fees you didn’t know up front.

Find your first home

You're getting closer. Now it's time to look for that dream home. Southside or northside, or maybe it’s best to go west?

Begin the search for your first home

Wherever your lifestyle takes you, this is the part when you scroll and refresh a few times a day, waiting for The One to pop up in your feed. The struggle is real, but let’s be honest, the search is half the fun.

Get specialist help when it’s time to buy

That ever elusive balance. It’s never more important than when you buy your first home. Don’t get caught out – do your inspections and dot your i's and cross your t’s using the professionals.

Don't go it alone

When it comes to first home buying, you don’t know what you don’t know. So skip the stress of not knowing, and get a coach in your corner to arm you with the essentials.

What is an ANZ First Home Coach?

An expert who can help you through your home buying journey, from dreaming about your first home to settling and getting the keys.

How much does it cost?

It’s free, and you're not obligated to do anything. 

Make a plan with a coach

Next steps to secure your first home

You’ve done the research, inspected countless properties, been through the emotional rollercoaster of house hunting. Now you’ve found The One. Here are the steps to help you make your dream a reality.

Make an offer and exchange contracts

If making an offer seems to be a process that is shrouded in mystery, these tips should clear things up for you.

Applying for your loan

We’re so close to cracking open the housewarming champagne. Fast track it by sorting out the admin you need to apply for your loan.

Settlement. Welcome home.

This is it! It's time to settle on your property, and pick up your keys. Well done on all the hard work, home owner. Now for the bubble wrap and boxes...

Conveyancing fee rebate up to $1,000 for first home buyers

Eligible first home buyers (including recipients of State or Territory government first home buyer concessions) only with home loans over $250,000.

Apply between 1 October 2020 and 31 July 2021. Eligibility criteria and T&Cs apply.disclaimer

Talk to a First Home Coach

What is conveyancing?

  

Getting serious about house hunting?

ANZ has partnered with the TheOneSpotdisclaimerto help you make the right choice when buying property.

  • Evaluate and compare properties
  • Personalised market insights
  • Track real-time updates

Download the app free

First home buyer tips and guides

Article

How to save for a house deposit – the smart way

3 minute read

When you’re saving up for a house deposit, every little tactic can help. Here are some suggestions for reaching your savings goal.

  

Article

How a guarantor could help you buy your first property sooner

3 minute read

When you’re trying to save a deposit, it can feel like you’re trapped on a frustrating merry-go-round.

  

Article

Getting to know the First Home Owners Grant

3 minute read

Eligible first home buyers may get money from the government to help them buy their first home. It’s called the First Home Owner Grant (FHOG).

 

Connect with an ANZ First Home Coach or apply

Quick start home loan application

Get started in just 5 minutes to apply for a new home loan, refinance, or pre-approvaldisclaimer

Apply online now

   

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Find a mobile lender

  

Visit a branch or ANZ Home Centre

Find your nearest location

  

Call us

1800 100 641

Mon-Fri 8.00am to 8.00pm (AEST)

   

The information on this page 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 conditionsProduct Disclosure Statement and the ANZ Financial Services Guide (PDF) before acquiring any product. 

Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply. Australian credit licence number 234527.

For full terms and conditions of the offer, contact any ANZ branch or ANZ Mobile Lender. Offer is only available to eligible First Home Buyers (including recipients of a government First Home Owner Grant and/or first home buyer stamp duty concession and apply for an eligible ANZ loan [refer to www.firsthome.gov.au for eligibility details of the State or Territory government First Home Owner Grants and stamp duty concessions.]). Offer available only on application and is limited to one rebate of up to $1,000 per single property purchase for eligible First Home Buyers who take out an eligible ANZ Loan for an owner occupier purpose. To enable reimbursement of conveyancing fees, you must hold an ANZ Access Advantage or ANZ One account at draw down. Offer is not available in conjunction with or in addition to any other offer, discount or benefit unless specifically advised by ANZ in writing. Offer may be altered or withdrawn by ANZ at any time. All applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions apply and are available on application. Fees and charges and eligibility criteria apply.

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Property price information in an ANZ property profile report, such as a price prediction or price range, is an estimate, not a valuation. Property price information may not be available for all properties, is for personal domestic use only and may change daily. Actual sale prices may be different.

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Application is provided by Journeywise Pty Ltd trading as TheOneSpot. ANZ does not control the content and takes no responsibility for the contents of the app. This link to the application does not constitute financial advice. Use of the application will be subject to the terms and conditions set out on the applicable app store and within the application (including any relevant privacy policy).

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ANZ may provide pre-approval (also known as approval in principle or conditional approval) to eligible customers who apply for an ANZ home loan and complete an application form and satisfy any other applicable requirements. Pre-approval is an approval for a loan subject to conditions being met, including that security is satisfactory to ANZ. Australian Credit Licence Number 234527.

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ANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.

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