How to buy your next home
Whether you're upsizing, downsizing or just looking for a change of scene, we can help you take the next step on your property journey.
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Apply for pre-approval
We can help you estimate what you can afford to borrow, giving you the confidence to make an offer on the property you want. Applying for pre-approvaldisclaimermay help you:
- Know how much you can afford
- Plan your budget
- Be confident to make an offer
- Be seen by agents as a serious buyer
Get a free ANZ Property Profile Report
With a free ANZ Property Profile Report you'll receive consolidated, essential information about a property, saving you time when looking to buy, invest or refinance. The property report includes:
- A free property price predictiondisclaimer
- Comparable sales results in the area
- Sales and rental listings in the area
- Interesting suburb insights and trends
- Recent sales history of the property
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.
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:
- Get the knowledge and tools to secure the home you want
- Estimate your borrowing power
- Get a free ANZ Property Profile Report which includes a free property price predictiondisclaimer
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
Explore our home loansdisclaimer
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A home to live in
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A residential investment property
The flexibility you need
ANZ Standard Variable Home Loan
- Make extra repayments to pay your loan off faster
- Redrawdisclaimeravailable funds (if you make extra repayments)
Interest rate under the ANZ Breakfree Packagedisclaimer (borrowing 80% or less of the property valuedisclaimerwith total mortgage lending amount $150,000 plus)
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Principal and interest |
Annual package fee currently $395. Discounts vary based on lending amounts and other eligibility criteria. Terms and conditions and minimum lending requirements apply. See all the rates available for this home loan type.
The certainty of fixed repayments
ANZ Fixed Home Loan
- Your interest rate won't change during the fixed period
- Choose from 1, 2, 3, 4, 5, 7 and 10 year fixed rate termsdisclaimer
Principal and interest rate under the ANZ Breakfree package (2 year fixed with discounted rate when borrowing 80% or less of the property valuedisclaimer)
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Principal and interest |
Annual package fee currently $395. Terms and conditions, minimum lending requirements and eligibility criteria apply.disclaimer See all the rates available for this home loan type.
Keep it simple with no ongoing fees
ANZ Simplicity PLUS Home Loan
- Competitive variable interest rates and no ongoing fees
- Make extra repayments any time
Interest rate with Special Offer Discount (borrowing 80% or less of the property valuedisclaimer)
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Principal and interest |
Discount available on ANZ Simplicity PLUS Residential Investment Loans with at least $50,000 in new and additional ANZ lending. ANZ Simplicity PLUS is not available with an ANZ Breakfree package.
How much could I borrow?
Get an indication of how much you may be able to borrow
What could my repayments be?
Get an estimate of your potential loan repayments
Got a number? Apply for pre-approvaldisclaimer
Budget, bid and buy with more confidence.
Quick Start Home Loan Application
Get started in just 5 minutes. Apply for pre-approvaldisclaimer, a new home loan, refinance or top up your existing ANZ home loan.
Request a call back
Connect with a mobile lender disclaimer
Visit a branch or ANZ Home Centre
You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.
Getting serious about house hunting?
ANZ has partnered with LandingPad,disclaimerthe app for prospective homebuyers, to help guide you home when buying property.
- Built to assist with buying, not just browsing
- Personalised insights at your fingertips
- Stay organised through your house hunt
You've got questions
We've got answers.
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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) 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.
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.
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.
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.
ReturnProperty price information in an ANZ Property Profile Report is an estimate (not a valuation), may not be available for all properties, is for personal domestic use only and may change daily. Actual sale prices may differ. The report is not personal advice and ANZ takes no responsibility for any error or omission.
ReturnParticular 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.
ReturnTerms 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).
ReturnInterest rates shown on this page are current as at and are subject to change.
ReturnThe interest rate shown incorporates ANZ Breakfree discounts which apply while you hold an ANZ Breakfree Package and meet ongoing eligibility criteria. Eligibility for interest rate discounts are based on total mortgage lending requirements and Lending to Value Ratio requirements. For details, see ANZ Breakfree Package and the ANZ Breakfree Terms and Conditions (PDF,131KB).
ReturnProperty value is ANZ's valuation of the security property and may be different to the price you pay for a property. ANZ Fixed Home Loan discounts when borrowing 80% or less of the property value are available for applications submitted from Monday 15 February 2021.
ReturnComparison 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.
The repayment calculator does not show all interest rates. Our home loan interest rates page shows all available rates, including special offers and discounts when borrowing 80% or less of the property value.
ReturnRates 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.
ReturnThis 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.
ReturnInterest 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.
ReturnProperty value is ANZ's valuation of the security property and may be different to the price you pay for a property.
ReturnThe rate shown is the Simplicity PLUS Home 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.
ReturnRates 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.
ReturnANZ 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.
ReturnApplication is provided by Journeywise Pty Ltd trading as LandingPad. 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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