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Buying an investment property
Build your portfolio
Investing in property can be challenging and exciting all at once. But with the right help and information, you'll find yourself on the right track.
Sort out your deposit
The more deposit you have, the better your buying power. Remember that if you need to borrow more than 80% of the amount your property is valued by ANZ, you’ll need to pay Lenders Mortgage Insurance (LMI)Superscript: 1 to protect us in case you can't repay your loan. So consider saving more for your deposit.
Need to explore other options? See if an ANZ Security Guarantee may work for you.
Get repayment certainty with our low fixed rate
disclaimer (disclaimer comparison rate) fixed for 2 years on an ANZ Fixed Residential Investment Loan under the ANZ Breakfree package.disclaimer
Rate includes 0.15% Breakfree Discount. Read comparison rate warning.disclaimer T&Cs and annual $395 fee apply.
The interest rate for your loan is the rate at the time of drawdown, not the time of application (so it can change). You could apply to lock in a fixed rate (terms and conditions and minimum $750 fee apply).
What is negative gearing?
Negative gearing is when the costs of owning a property (such as interest charges, maintenance and property management costs) exceed the income it produces.
With financial and tax advice, and the right property, negative gearing may be a tax-efficient investment strategy for some investors.disclaimer
Got equity in an existing property?
Equity is the difference between the value of your home and how much you owe on it. For example: if your home is now worth $500,000 and you still owe $300,000, you could have up to $200,000 in equity. You may be able to use some of this equity towards the deposit for your next home.
Learn more about your property buying journey
Whether you're buying your first property or you're a seasoned investor, it can still be an exciting process with lots of decisions to make.
What happens on the day
It may have been a while since your last purchase, so it's important to know what to expect, whether you're bidding at an auction or buying by private sale. Find out more about what to look out for and what you may need to do.
Find out more about stamp duty and other costs of buying property
Stamp duty is charged on property purchases and is payable to the state or territory government. This cost often depends on the value of the transaction.
Buying off the plan
Signing a contract to buy a property before it's completed has some advantages, but it also comes with some potential risks to consider.
Understanding the settlement process
We've found that a lot of property buyers get confused about what happens after their loan's been approved, and what settlement involves. Here's how it works.
Connect with a mobile lender
Meet an ANZ home specialist at a time that suits you.
Chat to a broker
You can also contact your ANZ accredited broker today.
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 conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF, 104kB) before acquiring any product.
Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply.
Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.
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.
Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.
Borrowing power calculator
Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.
This estimate is based on the accuracy of the limited information provided. It is also based on a loan term of 30 years, payment 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 payment 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 anz.com or contact us.
Lenders Mortgage Insurance (LMI) is paid by the borrower and protects ANZ in the event that the borrower defaults and a shortfall arises following the sale of the security property. ANZ usually requires LMI where the Loan to Value Ratio (LVR) is above 80% (depending on the type of property).
Back to topInterest rate current as at and subject to change. Rate incorporates a Breakfree discount applied to eligible home loans linked to the Breakfree package. ANZ Breakfree discounts and benefits apply only while the customer maintains the package and meets ongoing eligibility criteria.
Back to topThis Comparison Rate is for secured loans of $150,000 over 25 years based on monthly repayments, including minimum Breakfree discount.
WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Fixed home loans aren’t for everyone and early repayment costs may apply if you repay your loan or switch to another one before the end of your fixed term or make early or additional repayments. Once the fixed rate period ends, the loan reverts to a variable rate loan and repayment amounts will change.
Back to top* Annual package fee currently $395 and subject to change. Eligibility criteria and terms and conditions apply, including a minimum total mortgage lending requirement of $150,000. See ANZ Breakfree Terms and Conditions for details. ANZ Breakfree package benefits only apply while you maintain the package and meet ongoing eligibility criteria. Terms and conditions and fees and charges apply to products and services taken out in connection with an ANZ Breakfree package.
Back to topANZ does not provide tax advice. You should discuss the tax implications of any investment strategy with your tax adviser or registered tax agent before deciding to proceed.
Back to topProperty 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.
Back to topInterest rates shown on this page are current as at and are subject to change.
Back to topThe range of interest rates shown incorporate ANZ Breakfree discounts and ANZ Breakfree Special Offer discounts which apply while you hold an ANZ Breakfree package and meet ongoing eligibility criteria. The applicable discount varies based on loan amount, total mortgage lending and other eligibility criteria. Eligibility for interest rate discounts of between 0.75% p.a. and 0.90% p.a. are subject to ANZ Breakfree Package Special Offer Terms and Conditions (PDF 40kB), which include total mortgage lending requirements, lending to value ratio requirements, and new lending requirements for existing customers. Eligibility for discounts between and are based on total mortgage lending requirements and the ANZ Breakfree Terms and Conditions. For details, see ANZ Breakfree package.
Back to topComparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including a Breakfree package discount (if applicable). These rates are for secured loans only.
WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
For interest only variable loans, the comparison rates are based on an initial 5 year interest only term. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.
Back to topTerms and Conditions and eligibility criteria apply to ANZ Redraw. ANZ Redraw is not available on loans in a company name. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF 412kB).
Back to topRates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan.
Back to topInterest rate discounts apply to eligible loan accounts linked to the Breakfree package which meet minimum lending requirements (total mortgage lending must be at least $150,000) and apply while you hold a package and meet ongoing eligibility criteria. Annual package fee $395 and subject to change.
Back to topFlexible repayment terms as long as you’re under your limit. If you go over your limit, you’ll need to make a payment to bring it back under.
Back to topProperty value is ANZ's valuation of the security property and may be different to the price you pay for a property.
Back to topThe rate shown is the Simplicity PLUS Residential Investment Property Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.
Back to topRates shown apply during the interest only period of your loan. After the interest only period, your rate will switch to the applicable variable rate for a principal and interest loan.
Back to topAnnual package fee currently $395 and subject to change. Eligibility criteria and terms and conditions apply, including a minimum total mortgage lending requirement of $150,000. See ANZ Breakfree Terms and Conditions (PDF 80kB) for details. ANZ Breakfree package benefits only apply while you maintain the package and meet ongoing eligibility criteria. Terms and conditions and fees and charges apply to products and services taken out in connection with an ANZ Breakfree package.
Back to topThe Annual Account Fee is waived on one eligible ANZ credit card account held under an ANZ Breakfree Package. The waiver only applies while the account is held under the package. A Rewards Program Services Fee of $55 per cardholder may apply to ANZ Rewards and ANZ Frequent Flyer accounts.
Back to topAccount service fee waived on one eligible transaction account (ANZ Access Advantage account or ANZ One offset account).
Back to topANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance are issued by QBE Insurance (Australia) Limited (QBE) ABN 78 003 191 035 (AFSL 239545). This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. You should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs. ANZ recommends that you read ANZ Financial Services Guide (PDF, 107kB) and the relevant ANZ Home insurance Product Disclosure Statement and Policy (PDF 2.1MB), ANZ Landlord Insurance Product Disclosure Statement and Policy (PDF 760kB), ANZ Car Insurance Product Disclosure Statement and Policy (PDF 814kB), available by calling 13 16 14 or visiting anz.com before deciding whether to acquire, or to continue to hold, any of these products. To be entitled to a discount on your insurance you must notify the issuers of these products at the time of application that you are an ANZ Breakfree package customer. Please note for ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance the discount is only applicable to the first year’s premium. Reference to insurance premium amounts for the purposes of calculating the applicable Breakfree package benefits exclude any stamp duty, GST and other government fees, charges or levies components that are included in the total premium amount paid by you. These discounts are not available in conjunction with any other discount offer made by issuers of these products or ANZ.
Back to topTerms and Conditions, fees and charges apply. Refer to ANZ Personal Account Fees and Charges booklet (PDF 139kB).
Back to top