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How to buy your next home

Take the next step on your property journey

Whether you're upsizing, downsizing or just looking for a change of scene, we can help. 




 

The journey continues

Get Approval in Principle

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 buyerdisclaimer

Get a free ANZ Property Profile Reportdisclaimer

Want to know more about your home or a property 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

Selling your home? We can help with ANZ Sell Ready™.

Success in the property market means having the right knowledge and tools. ANZ Sell Ready can help guide you through the selling process.

Learn more

You've done this before. But some things may be different.

Use your equity to access additional funds

If you have equity in your existing home or investment property, you could apply for a supplementary loan. You can talk to us about how much you might be able to borrow using that equity. Choose from eligible ANZ loans (ANZ Standard Variable, ANZ Simplicity PLUS or ANZ Fixed). Then you can use that money for a variety of different purposes according to your needs.

Want to buy before you can sell?

ANZ Bridging Finance could be an option to help you to purchase a new home while you wait for the sale of your previous one. ANZ Standard Variable rate applies. Once you've sold, you must use that money to pay it off.disclaimer

Get Buy Ready (again)

Be ready to make your move: 

Consider ANZ Redrawdisclaimer if you need more money

If you're ahead on your repayments for an eligible ANZ Home Loan, ANZ Redraw may be a way of accessing your additional repayments to help pay for your next home.disclaimer

ANZ School Ready®

If you’re considering private or Catholic education, figuring out how you’re going to pay for it can be daunting. That’s why we’ve created ANZ School Ready® – the first online tool which could help you save and plan for your children’s school fees. Visit www.anz.com/schoolready for more information.

Explore our home loansdisclaimer

ANZ Standard Variable Home Loan

 

Standard Variable Home Loan Rate - Principal and Interest

interest rate

comparison ratedisclaimer

  • Make extra repayments to pay your loan off faster
  • Redraw your extra repaymentsdisclaimer

ANZ Fixed Home Loan

 

Fixed Home Loan Rate - Principal and Interest

disclaimer

interest rate (2 year fixed) 

comparison rate (2 year fixed)disclaimer

See rates for other loan terms

  • Your interest rate won't change during the fixed period
  • Choose from 1, 2, 3, 4, 5, 7 and 10 year fixed rate termsdisclaimer

ANZ Equity Manager

 

Equity Manager Rate

interest rate

  • Use the equity in your existing property
  • Only pay interest on what you use
  • Flexible repayment termsdisclaimer

ANZ Simplicity PLUS Home Loan

 

Simplicity PLUS Home Loan Rate - Principal and Interest

interest rate

comparison ratedisclaimer

  • Low variable interest rates and no monthly fee
  • Make extra repayments any time

Loan package - get a bundle of savings and benefitsdisclaimer

 

Bundle your home loan, everyday account and credit card into ANZ Breakfree package and enjoy a great range of ongoing features and discounts.disclaimer

What you get

  • Interest rate discounts on nominated loan accountsdisclaimer
  • Credit card annual fee waiverdisclaimer
  • Everyday account fee waiverdisclaimer
  • Optional insurance discountsdisclaimer
  • Choice of variable or fixed home loan options
  • No limit on the number of eligible home loans under the one package. 

For example, you could save over

$2,000 in the first year

if you take out a $250,000 ANZ Standard Variable Home Loan with a  interest rate discount and fee waivers under the Breakfree package. Take a closer look at how you can save

For an annual fee of

$395

Other fees and charges apply


Calculators

Important notice: From 29-May-2017, interest only repayments are no longer available for new ANZ Simplicity PLUS applications. For new applications and renewals, the maximum interest only term across all Home and Residential Investment loans (fixed and variable) will be 5 years. Terms and conditions apply.

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

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

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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, 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 anz.com or contact us.

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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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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Particular credit assessment criteria and maximum loan term of 6 months apply (12 months if your property is being constructed). Repayments will be interest only payments followed by a final payment of principal and interest. Bridging finance is only available if you intend to sell your current property within 6 months  (12 months if your property is being constructed) of settlement of your new property. 

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Terms 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).

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Interest rates shown on this page are current as at  and are subject to change. 

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The 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.

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Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. 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.

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Rates 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.

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Interest 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.

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Flexible 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.

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Rates 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.

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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 (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. 

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The 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.

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Account service fee waived on one eligible transaction account (ANZ Access Advantage account or ANZ One offset account).

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ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance are issued by QBE Insurance (Australia) Limited (QBE) ABN 78 003 191 035 (AFSL 239545). ANZ Mortgage Protection Insurance is jointly issued by OnePath Life Limited (ABN 33 009 657 176) and QBE. 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 520kB) and the relevant ANZ Home insurance Product Disclosure Statement and Policy (PDF 936kB)ANZ Landlord Insurance Product Disclosure Statement and Policy (PDF 736kB)ANZ Car Insurance Product Disclosure Statement and Policy (PDF 656kB) and ANZ Mortgage Protection Insurance Product Disclosure Statement and Policy (PDF 307kB), 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.

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