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Be ready to make your move with ANZ Buy Ready

ANZ Buy Ready can help you get ready, really ready, to buy the property you want.

Our free, easy-to-use tools and resources will help arm you with the info, market intel and confidence you need to get on top of property buying.

Request free property report  Start pre-approval application

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.

Get started

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.

Let's do it

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.

See the steps

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.

Girl in green jumper dancing

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

Try our calculator     Apply for pre-approval

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

Request a report

Seal the deal

Ways to access your deposit

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.

Get repayment certainty with our low fixed rate

Owner occupied interest rate


Principal and interest


Comparison ratedisclaimer

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


Owner occupied rates

Principal and interest 


Comparison ratedisclaimer

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).

Crunch the numbers with our home loan calculators

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.

Apply for pre-approval

Contact us or apply

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.

Apply online now


Request a call back

Leave your details 


Connect with a mobile lender disclaimer

Find a mobile lender


Visit a branch or ANZ Home Centre

Find your nearest location


Call us

1800 100 641

Monday - Friday
8am to 8pm (AEST)


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

10 tips for buying a house at auction

4 minute read

It might seem daunting going up against other bidders at an auction, but our auction tips could help you be prepared to improve your chances of success.


What you need to know about making an offer on a property

4 minute read

Making an offer on a property is a process that seems to be shrouded in mystery. Getting to grips with what’s involved will bring you closer to purchasing your property.


Seal the deal: When and how to pay your deposit

3 minute read

Once you have your deposit sorted, whether you've saved it or are using equity from your existing property, what do you actually do with it?


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.

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 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.


Property 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.


Interest 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.


This 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.


Property 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.


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.


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.