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Home loan deposit calculator

Wondering if you have enough for a home loan deposit? Use this calculator to estimate how much you’ll have left after stamp duty and other upfront costs.


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Calculate how much I could borrow

Get a quick estimate on how much you may be able to borrow based on your current income and existing financial commitments.

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Get a free ANZ Property Profile Report which includes a property price prediction.

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Compare our home loan features, fees, rates and charges.

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How much do you really need for a house deposit?

Generally speaking, the bigger your home loan deposit, the better. But exactly how much do you need? This article will help you estimate how much you’ll need to save.

Smart ways to save for a deposit

The sooner you have a house deposit, the sooner you could move in to your very own home. We’ve put together some tips to help you get there ASAP.

Term deposits

Looking for more ways to save? Our term deposit accounts could help you reach your saving goals sooner.

Find a First Home Coach to support you

Connect with a First Home Coach who'll guide you through the process of buying your first home ­­ from start to finish.

Talk to a First Home Coach on the phone, or drop in for a chat at one of our ANZ branches.

Find a branch near you1300 295 951

Our First Home Coaches can also come to you, at a time and place that’s convenient.

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.

The calculator does not include ANZ Equity Manager.

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.

* 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.

We have included the First Home Buyer concession based on your indication that you are eligible for the First Home Buyer concession and you are purchasing your principal place of residence. ANZ hasn't assessed your eligibility for the concession so if you're ineligible, you'll need to pay the full Land Transfer Duty, which could be very large.

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An ANZ Security Guarantee could help reduce your LVR to less than 80% and save you from having to pay LMI if you have a guarantor who agrees to accept the risks and obligations associated with entering into a guarantee. It is important to remember that if for some reason you default on your loan, ANZ can seek to recover from your guarantor.

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The maximum acceptable LVR before Lenders Mortgage Insurance is required depends on the type and location of the purchased property. The maximum LVR before Lenders Mortgage Insurance that is generally required is usually 80%. For some property types, LMI might be required when LVR is less than 80%.

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Property price predictions are estimates, not valuations. Predictions available for listed properties only (exceptions apply) and may change daily. Actual sale prices may differ. Accuracy assessed on final pre-sale predictions and national market comparison of free price predictor estimates or range midpoints for listed properties (excluding agents’ price guides). Sales data as at July 2019.

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