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Home loan calculators and tools 

Our home loan calculators and tools are here to help you in your home loan planning. You can find out how much you can borrow, estimate your repayments and work out how much you really need for a deposit.


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Download free ANZ Property Profile Report

Get a price range estimatedisclaimerof how much a property could sell for, with options to estimate equitydisclaimerif you already own property. 

Visit ANZ Property Profile Report 

ANZ Buy Ready

Start your home loan pre-approval application in just 5 minutesdisclaimeror find out what a property could sell for,disclaimerso you can buy with more confidence.

Get ANZ Buy Ready 

Home loan check-in

Things change and your home loan needs can too. An ANZ home loan check-in could help you find ways to fine-tune your home loan so it continues to meet your needs. A home loan check-in will only take up to 15 minutes.

Request a home loan check-in 

Request a key fact sheet

This document sets out the pricing and other information for our standard products in a consistent format, allowing you to easily compare different home loans. 

Find out more 

Connect with our home loan specialists or apply

Need to speak to a specialist?

Provide us with your details and one of our home loan specialists will get in touch. They can discuss issues including:

  • Applying for a home loan
  • Managing your existing loan
  • Refinancing your home loan
  • Interest rate enquiry

As well as any other home loan queries you may have.

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Call back time is 1-3 business days.

Request a call back


Quick start application

Begin your home loan application journey by providing details about:

  • You
  • Your financial situation
  • The loan you're applying for

One of our home loan specialists will then be in touch to progress with your application.

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Call back time is 1-3 business days.

Apply online


Call us

Monday - Friday 8am to 8pm (Sydney/Melbourne time)

1800 100 641  


Other ways to get in touch

Meet with a mobile lenderdisclaimer

Book a branch appointment

Book a First Home Buyer Coach

You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.


The ANZ Home Loan repayment calculators provide a quick estimate of what your home loan repayments might be for a new loan or will allow you to compare different scenarios if you have an existing loan.

The ANZ Borrowing power calculator allows you to estimate how much you may be able to borrow based on your current financial situation and existing financial commitments.

Yes. The ANZ Rate Change calculator allows you to easily understand how a new interest rate may impact your estimated repayments.

The ANZ Next Home calculator allows you to compare estimated costs when deciding to either buy, sell or renovate your current or future property.


Use the ANZ Expenses calculator to help you consider the costs that make up your lifestyle and help you to plan your future financial goals.


Use our ANZ Home loan deposit calculator to estimate how much you'll have available for a home deposit after allowing for upfront costs.


Generally speaking, your borrowing power is calculated as your net income minus your expenses. Your expenses can be impacted by things like the number of dependents in your family, any current home or personal loan repayments and other financial commitments such as private health insurance. The more accurate the details you enter into the calculator, the more realistic your estimated borrowing capacity is likely to be – so you may want to start by understanding your expenses.


Many lenders now require a home deposit of 20% of the purchase price (excluding transaction costs). Some will accept lower deposits but you may have to pay Lenders Mortgage Insurance (LMI).

You’ll also need additional savings to meet property transaction costs such as solicitor/conveyancer fees, stamp duty and other charges. 

For more information read our Home loan deposits explained article.


When you refinance your home loan, you take out a new loan to replace the old one. Your current home loan is paid out by the new loan and you repay the new home loan over time. You can refinance with your current lender or switch to a new lender.

Refinancing might make sense for you if your situation has changed, for example, if you have changed jobs or started a family. You might also want to think about refinancing if the market conditions have changed, for example if interest rates have gone up or down. In these situations, the home loan that you have may no longer be the best fit for your circumstances and refinancing could help you find a home loan that better meets your needs.

Home loan repayments are influenced by several factors including the loan amount and length of the loan term, the fixed or variable interest rate that applies, whether you’re paying principal and interest or interest-only, and whether or not you intend to live in the property you’re buying.

Based on the combination of factors that you select, the Home loan repayment calculator (or mortgage calculator) will automatically adjust the interest rate per annum and estimate your repayments accordingly. Estimated repayments are calculated on a monthly basis by default, but you can adjust the frequency to weekly or fortnightly if you’d like to compare the difference.

Keep in mind that the interest rates in the calculator are subject to change, which can impact on repayment amounts. If a variable rate loan is selected, the interest rate will be subject to change throughout the term of the loan. For a fixed rate loan, once the fixed rate period expires, the loan reverts to a variable rate loan and repayment amounts may change. The repayment calculator doesn’t include all interest rates, fees and charges. See our home loan rates and offers for all available rates.

If you’d like to know how to calculate stamp duty and other upfront costs, use our deposit, costs and stamp duty calculator.

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.

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


Equity in your home is calculated as the difference between the value of your home and the amount you have left to pay on your home loan at the time the calculation is performed. Estimated equity ranges are estimates only and may not be available for all properties. They are based on certain available information and dependent on the current loan amount data that you input into your ANZ Property Profile Report request form, calculated against the price range estimate. Estimated equity ranges are not confirmation as to the equity you may have in a property or a guarantee of the equity available should a property be sold.


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.


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.


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.