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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.


More ANZ home loan calculators and tools

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.

Free ANZ Property Profile Reportdisclaimer

Get a better view of the potential price with a free ANZ Property Profile Report.disclaimer

Compare our home loans

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.

* 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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Reports are based on a range of data sources, are not indicative of future performance, are subject to change and are only for personal domestic use. Price estimates may not be available for all sales and properties, and are estimates, not valuations.

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