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Apply for an ANZ Home Loan

Take the convenient route on your home buying journey by starting your home loan application online anytime, anywhere.

Application options to suit you

Whether you're still looking for your dream home and want to apply for pre-approval,disclaimer ready to purchase and want to apply for a home loan, or looking to refinance and get a better deal, we've got options for you. 

Quick Start home loan application

Get started online in just five minutes

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. 

  • Easy enough to fill out on-the-go
  • No need for supporting information or a calculator at this stage
  • A credit check will not be conducted until we have spoken with you

Apply with Quick Start

Full online application

If you have more time and information

If you prefer to submit your entire home loan application online, you'll need to set aside a bit more time and have some key information ready.

  • Pre-filled details for existing ANZ customers with a customer reference number (CRN) and internet banking password
  • Have supporting information ready
  • Save your application and resume later
  • A credit check will not be conducted until we have spoken with you

Apply completely online

Resume application         


What you need to complete your application

All applicants need to provide the information listed below and be eligible to apply online.

If you are applying with Quick Start, you won't need to supply this information until one of our home loan specialists calls you.

Please ensure 

  • You're over 18 years old
  • You're an Australian or New Zealand citizen or permanent resident
  • Your primary income is in Australian dollars
  • The property being purchased is the only property to be used as security for the loan

Financial details

  • Your salary and any other income
  • A breakdown of your living expenses
  • Details of any loans, credit cards or other debts, as well as how much you repay
  • Information on any assets you will use as security for your loan

Details about you and any other applicants

  • Your driver's licence information (if you have one)
  • An ANZ Customer Reference Number (CRN) or account number (if you're an existing ANZ customer)

View our privacy policy


Contact us

We're here to help. If you need some assistance with your application, or don't meet our online criteria, get in touch. 

Connect with a mobile lender

Meet an ANZ home specialist at a time that suits you.

Visit a branch

Locate an ANZ branch near you.

 Locate an ANZ branch


Call us

Monday - Friday
8am to 8pm (AEST)

1800 100 641


Chat to a broker

You can also contact your ANZ accredited broker today.

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Seal the deal: When and how to pay your deposit

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Once you have your deposit sorted, whether you've saved it or are using equity from your existing property, what do you actually do with it?


Any information provided is general in nature and does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you. ANZ recommends you read the applicable Terms and Conditions booklets and the ANZ Financial Services Guide (PDF, 104kB) before deciding whether to acquire, or continue to hold, a particular product.

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

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.

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.


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.