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Saving up for your first home deposit?

Get yourself started with our simple 3-step guide to saving. Or register your interest to speak with one of our free ANZ First Home Coaches, who could help you save up for your deposit sooner.


The information on this page does not apply to ANZ Plus products

$3,000 bonus for first home buyers

If you’re buying your first home, you could get $3,000 to spend however you like, plus support from an ANZ First Home Coach. Available to eligible first home buyers with an ANZ home loan of $250,000 or more. 

Drawdown within 180 days of applying, bonus paid after settlement. Eligibility criteria and T&Cs apply.disclaimer

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Three steps to saving

Understand your situation

Creating a spending plan could help give you a clearer picture of your saving and spending patterns. Improve your control over your money and make saving easier.

Budget planner

Budget planner

Break down your spending patterns to see how much you could be saving regularly.

Estimate how much to save up

When saving for up your dream home there is more to consider than just the deposit.

Budget planner

Deposit calculator

Estimate how much you may need to save up for your deposit and the upfront costs.

Borrowing power calculator

Estimate how much you could borrow.

Expenses tool

Understand your expenses to help budget and plan for your future financial goals, like buying a home.

Free Property Profile Reportdisclaimer

Explore the potential price of your dream home.

Set up your savings system

Make your money work harder for you. Set your saving on auto-pilot and save without breaking a sweat.

Budget planner

Savings calculator

See how much you may need to put away to save up for your deposit, and how long it might take.

Explore our saving accounts

Find a saving account to suit your needs and goals.

Buy your first home with your super

Learn how the First Home Super Saver (FHSS) Scheme could allow you to use your super to boost your first home deposit by up to 30%.

A small change can make a big difference

It's amazing to see how much you could save just by changing a little habit.

This is an estimate only. It is provided for illustrative purposes only and is based on the accuracy of information provided. ANZ does not store the information provided in this calculator.

Want to earn cashback while you shop?

ANZ has teamed up with Cashrewards to help you get more for your money. Browse the latest Cashrewards offers right from your ANZ App, then shop via the Cashrewards website to earn cashback at over 2,000 travel, fashion, sport, tech, pet and food retailers.disclaimer

Join Cashrewards for free

Make a plan with an ANZ First Home Coach

Saving up for your first home deposit can be a daunting task - especially when you don’t know where to start, or you feel like you’re not making progress. Our free ANZ First Home Coaches are trained to assist you with a plan fitted to your lifestyle, and could help you save up for your deposit sooner.

An ANZ First Home Coach will guide you through:

Benefits of booking an appointment with our ANZ First home coach to take you through the savings plan
  • Understanding where your money goes 
  • Highlighting possible deposit options
  • Setting expectations on buying a home and potential costs involved
  • Customising your accounts for smoother saving

Here's how it works

1. Register your interest

To register your interest to make an appointment with an ANZ First Home Coach, please fill out the form below. We will be in touch just as soon as we are able to book your appointment to make a plan.


2. Make a plan with your coach

Create a plan during your free of charge, commitment free appointment with your ANZ First Home Coach.

Prepare ahead of time with our budget planner.

3. Leave with a plan

Walk out with a plan that takes into account your lifestyle which could help get your deposit sooner.

Buy your first home with your super

Learn how the First Home Super Saver (FHSS) Scheme could allow you to use your super to boost your first home deposit by up to 30%.

Learn more about FHSS

See more tips about saving up for a deposit


Home loan deposits explained

4 minute read

If you’re saving up hard for your deposit, you may be wondering why you need one and what exactly you’re meant to do with it.



How much do you really need for a house deposit?

3 minute read

It depends on a range of factors – from how much a lender is willing to lend to you, to whether you’re willing to pay a little more on the loan.



Saving for your home deposit faster

6 minute read

When you’re saving up for a house deposit, every little tactic can help. Here are some ways to save smarter so you can buy your first home sooner.


An ANZ First Home Coach may help you complete an ANZ deposit plan booklet as a tool to help with your savings plan. An ANZ deposit plan booklet is a guide only and is provided for illustrative and educational purposes. It is based on the accuracy of the information you provide us. The estimates and calculations in the  booklet are subject to change as your circumstances change.

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

Offer can be withdrawn at any time. Maximum one bonus per eligible loan, individual may only claim once. Available for eligible First Home Buyers who purchase or construct their first property and take out an Eligible ANZ Home Loan of $250,000 or more. To be eligible to receive the bonus First Home Buyers must hold an ANZ Access Advantage, ANZ Plus or ANZ One offset account at loan drawdown. Drawdown on the Eligible ANZ Home Loan(s) must take place within 180 days from applying. See the full Terms and Conditions (PDF) for this offer. Fees, charges and eligibility criteria apply.


A price range estimate is an estimate only. It is based on certain available information provided when ordering a Property Profile Report. It is not a valuation of the property or a guarantee of its market value or future sale price. Price range estimates may change daily and the actual sale price (if the property is sold) may be different.


Cashrewards is offered by Cashrewards and not ANZ. Cashrewards is not exclusive to ANZ cardholders. To earn cashback you must be a Cashrewards member. Eligibility criteria, cashback redemption and withdrawal conditions and T&Cs apply.