Fancy a holiday with your home loan?
Get 300,000 Qantas Points with a new eligible home loan of $300k or more and LVR 80% or less. T&Cs apply.
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
Get 300,000 Qantas Points when you apply or switch to an eligible ANZ home loan
Take off to Rome, Honolulu or more dreamy destinationsdisclaimerwith 300,000 Qantas Points when you apply or switch to a new eligible ANZ home loan of $300k or more and LVR 80% or less.disclaimer
The best bit? Come home to discounted home loan rates on eligible loans from ( comparison rate).disclaimer
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.
Featured variable rates
| Interest ratedisclaimer |
Comparison ratedisclaimer |
Interest rate with special offer discountdisclaimer when borrowing 70% or less of the property valuedisclaimeron owner occupied home loan with principal and interest 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 or to 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 credit approval criteria. Product terms and conditions are available on application.
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 only 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.
ANZ Home Loans are available for periods between of at least 1 year and up to 30 years in duration.
ANZ Home Loans are available for a minimum of $20,000 for new Standard Variable and new Fixed Rate loans and $50,000 for new Simplicity PLUS home loans. 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 credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.
The interest rate shown includes an interest rate discount from the index rate and applies to home loan applications or renewals submitted on and from 19 March 2022. For ANZ Standard Variable, this discount is for loans with a Loan to Value Ratio (LVR) of greater than 80% and for loans with a LVR 80% or less. For ANZ Fixed, this discount is for loans with a LVR greater than 80% and for loans with a LVR 80% or less. This interest rate discount is not available for eligible loans linked to an existing Breakfree Package. Eligible loans linked to the Breakfree Package will receive an interest rate discount under the Breakfree Package. To view rates that apply to loans linked to the ANZ Breakfree Package and for more information, see here.
* The 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.
LVR is the amount you're looking to borrow, calculated as a percentage of the value of the property you want to buy. Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.
Borrowing power calculator
Applications for credit are subject to ANZ 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. Rate includes a discount on the ANZ Standard Variable index rate. The estimate might be different if payment type is interest only or if a different interest rate discount applies. 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 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.
ReturnA 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 may change daily and the actual sale price (if the property is sold) may be different.
ReturnExamples are a guide only and subject to change. Equivalent value based on a sample of the Qantas Frequent Flyer Rewards that could be obtained by redeeming through the Qantas Frequent Flyer program and will vary depending on how and when points are redeemed. Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available. The Qantas Points, taxes, fees and carrier charges stated are accurate as at 5 May 2022 but may vary at the time of booking. Status Credits and Qantas Points will not be earned on Classic Flight Rewards. Visit Classic Flight Rewards for more information.
ReturnEligibility criteria, terms and conditions, fees and charges apply. This offer is only available if you apply between 10 June 2022 and 19 August 2022 and if approved, settle by 31 January 2023. Only one 300,000 Qantas Points offer can be claimed by any one person. Only the first person to successfully claim on joint loans will be awarded Qantas Points. Qantas Points credited within 60 days after valid claim form redeemed with ANZ following loan settlement. See full Terms & Conditions (PDF 124kB).
ReturnThe rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount for loans with a Loan to Value Ratio of 70% or less. 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.
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.
ReturnInterest rates shown on this page are current as at and are subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB), ANZ Personal Banking General Fees and Charges (PDF 155kB) and your letter of offer.
ReturnComparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including any applicable interest rate discounts. 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.
ReturnProperty value is ANZ's valuation of the security property and may be different to the price you pay for a property.
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.
Return