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Next home calculator

Use our Next Home Tool to calculate and compare estimated costs when making your next move. Create multiple scenarios, understand approximate expenses for buying, selling or renovating, and view each scenario side by side to help with your decision.

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Our new calculator will take approximately 5-10 minutes.

This is an estimate only and intended as a tool to assist you with your next home plans. 
It is provided for illustrative purposes only. See Important Information below.

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.

Estimated repayments and repayment scenario comparisons are estimates only based on the loan amounts, loan types and loan term selected and are intended as a tool to assist you with your next home plans. The comparisons are indicative estimates for illustrative purposes only and are based on the interest rates inputted by the user. The repayment calculator only shows the interest rates inputted by the user and those interest rates may not be available from ANZ. Our home loan interest rates page shows all available interest rates (which are subject to change), including special offers and discounts when borrowing 80% or less of the property value. Estimates do not constitute an offer of credit, and to apply for an ANZ Home Loan you must complete an application.

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 150kB) before acquiring any product.

Applications for credit are subject to ANZ credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

These calculations are estimates only and are provided for illustrative purposes. The estimates are based on the limited information you have provided. It does not constitute a quote or an offer for credit. To apply for an ANZ home loan you must complete an application. All applications for credit are subject to ANZ’s credit approval criteria.


Selling costs are estimates from public sources. See REA and Domain. These figures are indicative only and do not represent the actual selling costs you will incur should you sell your house.


Estimated renovation costs are provided from data provided by CoreLogic and are for illustrative purposes only. While ANZ has endeavoured to ensure that the information is accurate, this information may change and ANZ takes no responsibility for any error or omission relating to this information.<

The estimated renovation costs include:

  • The standard cost of materials and any necessary plant hire to complete the job, researched from suppliers across Australia and updated regularly.

  • The cost of labour to complete the job using our charge-out benchmarks for licensed trades, based on reported earnings for each industry. The amount of labour required is detailed by our experienced estimators based on years of industry knowledge.

  • A standard builder's margin of 20% and 10% GST.

  • Costs are varied according to postcode, using our regional cost factors that allow for different wages rates and material costs across Australia, including island locations.

  • Actual costs will vary depending on the builder's experience, level of demand, job complexity, site accessibility and general market conditions.

Estimated renovation costs from Core Logic do not take into account individual design features, site specific conditions, structural conditions and materials, local planning laws or any other regulations. Estimated renovation costs  include an allowance for builder's margins and GST. Estimated renovation costs must not be relied upon as an accurate representation of the costs associated with renovating your property. While CoreLogic uses commercially reasonable efforts to ensure the estimated renovation costs are current, CoreLogic does not warrant the accuracy, currency or completeness of the estimate and to the full extent permitted by law excludes all loss or damage howsoever arising (including through negligence) in connection with the  estimate.


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.