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The property buying journey

We'll help you on your way

We know that buying a home is a big commitment, with lots of important decisions to make. The information below can help you understand the key steps through the process.

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

Sort out your deposit

The more deposit you have, the better your buying power. Remember that if you need to borrow more than 80% of the amount your property is valued by ANZ, you’ll need to pay Lenders Mortgage Insurance (LMI)disclaimer. So consider saving more for your deposit. Need to explore other options? See if an ANZ Security Guarantee may work for you.

Do you work in a legal, medical or accounting profession? You may be eligible for an LMI waiver with your ANZ home loan. Find out if you're eligible (PDF).

Know your buying power

Work out your budget

Find out how much you may be able to afford and what your repayments could be. Just use our quick borrowing power and repayments calculators.

Understand the upfront costs of buying a property

If you’re working out how much it will cost to buy your home, there are other charges to consider in addition to the purchase price. These include stamp duty and other costs. You may be able to work out the amounts using our Home Loan Fee Calculator.

Apply for pre-approval

Pre-approvaldisclaimer is an obligation-free way to estimate what you can afford to borrow from us before you make an offer on a property. 

Applying for pre-approval could help you:

  • Know how much you can afford to borrow
  • Plan your budget 
  • Be confident to make an offer
  • Be seen by agents as a serious buyer

Find the right one

Find the property you want

Start searching for your dream home, using one (or more) of the numerous property sites to help you along. Once you've shortlisted the ones you're interested in, bring our Home Inspection Checklist (PDF) with you on your inspections.

If you're thinking of buying off the plan, read more about its advantages and things to consider.

Decide which loan may be right for you

We'll work with you to choose a loan, depending on your financial situation. For example, would you prefer the flexibility of a variable loan or the certainty of fixed repayments? You may like to compare our loans.

Get a free ANZ Property Profile Reportdisclaimer

With a free ANZ Property Profile Report you’ll receive consolidated, essential information about a property, saving you time when looking to buy, invest or refinance.disclaimer


  • Property price predictiondisclaimer
  • Comparable sales results in the area
  • Sale and rental listings in the area
  • Interesting suburb insights and trends
  • Recent sales history of the property

Request a report

Buy the property

It’s crunch time. You’ve done your research, you’ve made your decision, now it’s time to take action. Find out what happens on the day, whether you’re bidding at an auction or making an offer via private sale. Once you've found the right property, please speak to us about progressing to full approval for your loan. Here's a home loan application checklist to help you get ready to apply.

Ways to pay your deposit

Always check in advance with the agent what options are available.

Personal Cheque

The most common way to pay a deposit, particularly at auctions where the sale price is unknown. You will need an account with a cheque facility and cheque book.

Counter cheque

If you have an account with a cheque facility but don’t have a cheque book, you can order a counter cheque in advance.

Go through settlement

Get the paperwork done

What happens after the loan’s approved? You’ll receive several home loan documents to sign and return. If you need help with the paperwork, refer to the quick guides and videos in our ANZ Home Loan Document Signing guide. You should also think about any relevant insurance if you haven't already organised it.

Get ready for settlement

Settlement is the official process of transferring ownership of a property from the seller to the buyer. It takes place between the legal and financial representatives of those parties, and by the end of it, you'll be the new owner of that property. Find out more about how the settlement process works.

Manage your loan

Your loan


Understand your home loan

We try to make things easy for our customers, and we'd love to tell you more about how your loan works.

Organise your repayments

You have a number of convenient options to make repayments, including adding your home loan to your ANZ Internet Banking profile and setting up regular repayments.

Get the most out of your loan

If you have a variable rate loan, there are a few different ways you may be able to pay your loan off sooner, as well as reduce the total interest charges you'll pay. Find out more about making the most of your loan

Need more money?

If you need access to extra funds, you may be able to redrawdisclaimer, or apply for a top up or Supplementary Loandisclaimer.

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.

Lenders Mortgage Insurance (LMI) is paid by the borrower and protects ANZ in the event that the borrower defaults and a shortfall arises following the sale of the security property. ANZ usually requires LMI where the Loan to Value Ratio (LVR) is above 80% (depending on the type of property). For some property types, LMI might be required when LVR is less than 80%.


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.


A price range estimate is an estimate only. It is based on certain available information provided when ordering a Property Profile Report. It is not a valuation of the property or a guarantee of its market value or future sale price. Price range estimates may change daily and the actual sale price (if the property is sold) may be different.


Terms and Conditions and eligibility criteria apply to ANZ Redraw. ANZ Redraw is not available on loans in a company name. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF).


Terms and conditions apply including a maximum loan term of 10 years. Minimum loan amounts vary depending on loan type. Fees and charges apply.