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Applying for home loan pre-approval can give you a good idea of how much you could afford to borrow, so you know your limits when house hunting.
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Many home buyers apply to get pre-approvaldisclaimer(also called approval in principle or conditional approval) when they start house hunting. As well as giving you an indication of your borrowing power, it means that you can make an offer on a property with extra confidence.
In our pre-approval frequently asked questions we explore the what, why and how of applying for pre-approval for a home loan.
Find out how much you could borrow,disclaimerwhat a property could sell fordisclaimerand how to pay your deposit, so you have more confidence to get on top of property buying.
To get your pre-approval application started, tell us a bit about yourself and the loan you'd like – it'll take just 5 minutes – then we'll call you back within 24-48 hours to help keep your application moving.
Remember, you must be over 18 years and an Australian or New Zealand citizen or permanent resident to apply.
Your details have been submitted successfully.
Congratulations, you’ve taken the first step on your home loan journey. We will call you within 24 – 48 hours to take the next steps on your pre-approval application with you over the phone. This call may take up to one hour.
See below for more information on the financial & other details you will need to have handy for our call and to complete your pre-approval application.
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Once we've received your Quick Start application, one of our home loan specialists will call you and will ask for the following information.
Get started in just 5 minutes. Apply for pre-approvaldisclaimer, a new home loan, refinance or top up your existing ANZ home loan.
You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.
Get practical tips to help you in your property journey, whether you're just starting out, ready to buy, or trying to sell.
Estimate your repayments, work out how much you could borrow, or figure out how much money you may need for a deposit.
Get detailed property and suburb information to help you plan and be more informed when buying, selling or refinancing.
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) 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.
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.
ReturnApplications for credit are subject to ANZ credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.
This estimate is based on the accuracy of the limited information provided. It is also based on a loan term of 30 years, payment type principal and interest and either an ANZ Standard Variable rate for home loans or an ANZ Standard Variable rate for residential investment property loans depending on the type of property you have selected. Rate includes a discount on the ANZ Standard Variable index rate. The estimate might be different if payment type is interest only or if a different interest rate discount applies. It does not constitute an offer of credit. To apply for an ANZ Home Loan you must complete an application. All applications for credit are subject to ANZ credit approval criteria. ANZ does not store the information you provided to generate this document.
The calculation of estimated maximum home loan borrowing power excludes Lenders Mortgage Insurance. The value of the security property is also considered in any credit assessment criteria.
Minimum loan amounts apply to different loan types. For more information, visit anz.com or contact us.
ReturnProperty price information in an ANZ Property Profile Report is an estimate (not a valuation), may not be available for all properties, is for personal domestic use only and may change daily. Actual sale prices may differ. The report is not personal advice and ANZ takes no responsibility for any error or omission.
ReturnThe 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.
ReturnANZ 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.
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