ANZ Smart Choice Super.
Super. Easy.
Set up in just five minutes,
in app or online.
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.
Download free ANZ Property Profile Reports
Get a price range estimatedisclaimerof how much a property could sell for, with options to estimate equitydisclaimerif you already own property.
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.
The information on this page does not apply to ANZ Plus products
Home Loan Borrowing Power Calculator
Your details
Your earnings
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Your expenses
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We estimate you could borrow:
$0What's next?
In under 5 minutes, you can get your application started for pre-approvaldisclaimer, a new home loan, refinancing, or topping up your existing home loan.
Tell us a bit about yourself and the loan you'd like, then we'll call you back within 24-48 hours to help keep your application moving.
ANZ Property Profile Reports, now with an estimated equity option
Download free comprehensive ANZ Property Profile Reports to help you more confidently make your next property step.
- Get a price range estimatedisclaimer, suburb insights and more with an ANZ Property Sales Report
- Get the added benefit of estimated equitydisclaimerif you choose an ANZ Property Profile and Equity Report
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 60% or less of the property valuedisclaimeron owner occupied home loan with principal and interest repayments.
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.
Call back time is 1-3 business days.
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.
Call back time is 1-3 business days.
Other ways to get in touch
Meet with a mobile lenderdisclaimer
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 standard 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 principal and interest rate 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.
Where a custom fixed or interest only rate has been selected, once the fixed or interest only period expires, the loan reverts to a standard variable rate loan with principal and interest repayments. In calculating these repayments, the repayment calculator will use the standard variable rate that most closely aligns with the Loan to Value Ratio (LVR) implied by the custom rate selected.
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. 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.
* 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.
The estimate is based on the accuracy of the information provided. It is also based on a loan term of 30 years, payment type principal and interest and either an ANZ Simplicity PLUS rate for home loans or an ANZ Simplicity PLUS rate for residential investment property loan depending on the type of property you have selected. Rate includes a special offer discount when borrowing 80% or less of the property value (which is subject to change). Eligibility criteria apply to special offer discounts for ANZ Simplicity PLUS home loans, including $50,000 or more in new or additional lending. Offer can be withdrawn or changed anytime. 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 and predictions may change daily and the actual sale price (if the property is sold) may be different.
ReturnEquity 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.
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), ANZ Personal Banking General Fees and Charges (PDF) 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.
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