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Moving towards full home loan approval

We're happy to help guide you through the approval process. See our handy checklist below.

The information on this page does not apply to ANZ Plus products

Things that need to happen

  • Contract of sale or offer and acceptance - this should also include any clauses on the offer if applicable
  • No changes - we'll need to confirm if your financial situation has changed
  • Valuation of the property - we may need to inspect the new property.  Don’t worry, we’ll be able to arrange this with the real estate agent in most cases.
  • Insurance for the property - we need to make sure your new property is protected with building insurance before settlement. You may need to ask to get a copy of this from the real estate agent if it’s a strata titled property.

Things that you might need to do

  • First home owner grant forms if applicable
  • Principal place of residence form
  • Stamp duty concession or exemption form
  • Additional documents or information we may have requested as part of your original Approval in Principle or Approval Subject To
  • Contact details for your lawyer, conveyancer or settlement agent to book settlement
  • Consider a building or pest inspection depending on the property

The information ANZ needs can change depending on the particular loan. This means that, in addition to the general items listed above, sometimes ANZ may request additional documents from you or require additional conditions to be met to progress with full approval of the loan application.

You may also be interested in...

Pre-settlement inspections

Before settlement, you’ll need to inspect the property and make sure everything’s in order. Here are some tips on what to look out for and what to do if things aren’t quite right.

Find out more

Home and contents insurance

Find the right type of insurance to protect your property and contents.

Find out more

Building and pest inspection

It’s a good idea to have the home inspected by professionals. For a small cost, you can get a report that outlines the property’s faults and estimates the cost of any repairs.

Find out more

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

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 conditionsProduct 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.