Start your pre-approvaldisclaimerapplication in 5 minutes
3 steps to being ANZ Buy Ready
What could I borrow?
Learn how much you could borrow and apply for pre-approvaldisclaimerquickly, so you can search with certainty.
Know what a property could sell for
Grab a free 16-page ANZ Property Profile Report to work out which properties are worth your time.
Seal the deal
With a deposit already sorted and everything in place to pay it on the day, be ready to secure the property you want.
You don't have to go it alone
ANZ Buy Ready gives you the tools to use any time, but if you’d like to talk to a human to guide you through the process, our Home Loan Specialists are here to help.
What could I borrow?
We can help you estimate what you could afford to borrow, giving you more confidence to make an offer on the property you want. This could help you:
- Know how much you could afford to borrow
- Plan your budget
- Be confident to make an offer
- Be seen by agents as a serious buyer
Get a rough estimate with our home loan calculator then, when you're ready, get a more accurate estimate by applying for pre-approval.disclaimer
Know how much a property could sell for
Request a free ANZ Property Profile Report and you’ll have essential information about a property in your hands. With a host of interesting facts and figures on the property, you'll know if the open for inspection is worth the trip.
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
- Any recent sales history of the property
Utilising equity
You could apply to access the equity in your current home to provide a deposit for a new property.
Top-up solution
You could apply to increase your current home loan.
Ways to pay your deposit
When you buy a property, you'll need to pay a deposit upfront. This may be done by a funds transfer or bank cheque. Ask the real estate agent in advance about what they'll accept.
Online funds transfer
The most common way to pay a deposit, particularly at auctions where the sale price is unknown. Ensure well ahead of time that your daily transfer limit is sufficient for the deposit.
Bank cheque
If you don’t have a cheque book, ANZ account holders can obtain a bank cheque immediately at an ANZ Branch. Auctions usually happen on the weekend, so you should check the opening hours of the closest ANZ Branch in advance.
Owner occupied interest rate
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2 year fixed interest rate with discounted rate when borrowing 80% or less of the property valuedisclaimeron owner occupied home loan under the ANZ Breakfree package.disclaimer Annual fee $395.
Investment loan interest rate
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2 year fixed interest rate with discounted rate when borrowing 80% or less of the property valuedisclaimeron an ANZ Fixed Residential Investment Loan under the ANZ Breakfree package.disclaimer Annual fee $395.
The interest rate for your loan is the rate that applies on the day the loan is drawn down, not the time of application – so it can change. You could apply to lock in a fixed rate for 90 days on eligible loans (terms and conditions and fee of $750 per $1 million of lending apply).
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? Get on the front foot with 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.
Get even more ready with our home buying tips and guides
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.
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.
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.
ReturnInterest 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.
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.
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.
ReturnAnnual 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.
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.
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