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Buying an investment

Build your portfolio

Investing in property can be challenging and exciting all at once. But with the right help and information, you'll find yourself on the right track.


 

Get started

Thinking about investing?

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 to protect us in case you can't repay your loan. So consider saving more for your deposit

Need to explore other options? See if an ANZ Security Guarantee or ANZ Deposit Bond may work for you.

Get ANZ Buy Ready™

Be ready to make your move: 

Learn more

What is negative gearing?

Negative gearing is when the costs of owning a property (such as interest charges, maintenance and property management costs) exceed the income it produces.

With financial and tax advice, and the right property, negative gearing may be a tax-efficient investment strategy for some investors.disclaimer

Learn more

More info

Invest some time in learning more

Got equity in an existing property? 

Equity is the difference between the value of your home and how much you owe on it. For example: if your home is now worth $500,000 and you still owe $300,000, you could have up to $200,000 in equity. You may be able to use some of this equity towards the deposit for your next home.

Learn more about your property buying journey

Whether you're buying your first property or you're a seasoned investor, it can still be an exciting process with lots of decisions to make. 

What happens on the day

It may have been a while since your last purchase, so it's important to know what to expect, whether you're bidding at an auction or buying by private sale. Find out more about what to look out for and what you may need to do.

Find out more about stamp duty and other costs of buying property

Stamp duty is charged on property purchases and is payable to the state or territory government. This cost often depends on the value of the transaction. You may be able to estimate it using our Home Loan Fee Calculator.

Buying off the plan

Signing a contract to buy a property before it's completed has some advantages, but it also comes with some potential risks to consider.

Understanding the settlement process

We've found that a lot of property buyers get confused about what happens after their loan's been approved, and what settlement involves. Here's how it works.

Calculators

Let's do the maths


What could my repayments be?

Get an estimate of your potential loan repayments


How much could I borrow?

Get an indication of how much you may be able to borrow

Property Profile Report

Be ready to make your move

BuyReady

Get a better view of a home's potential price with a free ANZ Property Profile Reportdisclaimer:

  • An estimated price rangedisclaimer
  • Comparable sales results in the area
  • Suburb insights and trends
  • Historical sales results of the property

Request a report

  Estimate your buying power

 

  Get approval in principledisclaimer

 

  Be ready to pay on the day

ANZ Home Loans

Explore our home loans

 

Standard Variable Residential Investment Rate

interest rate

comparison ratedisclaimer

  • Make extra repayments to pay your loan off faster
  • Redraw your extra repaymentsdisclaimer

ANZ Fixed Residential Investment Loan

 

Standard Fixed Residential Investment Rate

    

interest rate (2 year fixed) 

    

comparison ratedisclaimer (2 year fixed)

See rates for other loan terms

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  • Your interest rate won't change during the fixed period
  • Choose from 1, 2, 3, 4, 5, 7 and 10 year fixed rate terms. The interest rate will then revert to a variable rate after the fixed term.

ANZ Equity Manager

 

Standard Equity Manager Residential Investment Rate

interest rate

  • Use the equity in your existing property
  • Only pay interest on what you use

Loan package

Get a bundle of savings and benefitsdisclaimer

Bundle your home loan, everyday account and credit card into ANZ Breakfree package and enjoy a great range of ongoing features and discounts.disclaimer

What you get

  • Interest rate discounts on nominated loan accountsdisclaimer
  • Credit card annual fee waiverdisclaimer
  • Everyday account fee waiverdisclaimer
  • Optional insurance discountsdisclaimer
  • Choice of variable or fixed home loan options
  • No limit on the number of eligible home loans under the one package. 

For example, you could save over

$2,000 in the first year

if you take out a $250,000 ANZ Standard Variable Home Loan with a  interest rate discount and fee waivers under the Breakfree package. Take a closer look at how you can save

For an annual fee of

$395

Other fees and charges apply

FAQs

Get your questions answered

   What are LMI and LVR?

If you need to borrow more than 80% of the amount your property is valued at by ANZ you may need to pay Lenders Mortgage Insurance (LMI). Banks often call this percentage the ‘LVR’ , which stands for ‘Loan to Value Ratio’. LMI protects the lender if you default on your loan. For some property types, LMI might be required when LVR is less than 80%. 

  

   Should I get an offset account?disclaimer

If you have money in an everyday banking account, you may choose to move it into an ANZ One offset account. You can link it to your ANZ Standard Variable loan or one-year ANZ Fixed loan to help you save on interest charges. The money you have in ANZ One will offset the amount you owe on your home loan, and you’ll only be charged interest on the difference.

   Principal and interest, or interest only?

Let’s put it this way: if you choose interest only, your minimum repayments will be lower during the interest only period because you are not required to repay the principal balance. You will have to repay the principal down the track and you will pay more over the life of your loan. Choosing to repay principal and interest means that you’re actually paying off the total loan amount over the period of the loan, not just the interest charges.

   How is interest calculated?

Interest is calculated based on the unpaid daily balance of your loan. For example, if you had a loan balance of $150,000 and your interest rate was 6% p.a., your interest charge would be: $150,000 x 6% divided by 365 days = $24.66 for that day. For most ANZ Home Loans, interest is usually calculated daily and charged monthly. For details refer to the ANZ Consumer Lending Terms and Conditions (PDF 412kB) and your letter of offer.

Contact us

We're here to help

Call a Home Loan Specialist

1800 100 641

Mon-Fri 8.00am to 8.00pm (AEST),
Sat-Sun 8.00am to 6.00pm (AEST)

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Locate us

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the Terms and Conditions, Product Disclosure Statement and Financial Services Guide before acquiring any product. 

All applications for credit are subject to ANZ's credit approval criteria. Terms and Conditions apply and are available on application. Fees, charges and eligibility criteria apply. 

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.

Repayment Calculator

All applications for credit are subject to ANZ’s normal credit approval criteria. Product terms and conditions are available on application and eligibility criteria applies to the Breakfree package. An annual Breakfree package fee of $395 and a minimum lending requirement of $150,000 applies. Breakfree benefits only apply while you maintain the package and meet ongoing eligibility criteria. See ANZ Breakfree or ask ANZ for details.

This is an estimate for illustrative purposes only and is based on the limited information provided. It does not constitute an offer of credit. To apply for an ANZ Home Loan you must complete an application.

The estimated repayment amount does not include any fees or charges.

If a Variable Rate Loan is selected, the interest rate will be subject to change throughout the term of the Loan, which can impact on repayment amounts.

Results are based on approximate amortised scheduled repayments and do not take into account interest rate changes or other events that may change repayment amounts on a loan.

For fixed rate loans, once the fixed rate period expires, the loan reverts to a variable rate loan and repayment amounts will change.

For interest only loans, minimum repayments will increase to principal and interest after the interest only period expires. Interest only loans are not for everyone and you should consider if this is the right strategy for you.

The calculator does not include ANZ Equity Manager.

Interest rates are current as at  and are subject to change.

Rates shown for loans of less than $150,000 do not include the Breakfree discount. Visit ANZ Breakfree to find out if you are eligible for the Breakfree discount.

ANZ Home Loans are available for periods between 1 and 30 years.

ANZ Home Loans are available for a minimum of $10,000. This calculator has been set to a maximum of $9,900,000 but you can apply for a higher amount.

Borrowing power calculator

All applications for credit are subject to ANZ's normal credit approval criteria. Product terms and conditions are available on application. Fees and charges apply.

This estimate is based on the accuracy of the limited information provided. It is also based on a loan term of 30 years 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. It does not constitute an offer of credit. To apply for an ANZ Home Loan you must complete an application.

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.

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).

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All estimates contained in ANZ Property Profile Reports are based on public sales history only, which may not include all sales. Estimates may not be available for all properties. Sales history and past performance is not indicative of future performance. ANZ Property Profile Reports are for personal domestic use only.

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ANZ does not provide tax advice. You should discuss the tax implications of any investment strategy with your tax adviser or registered tax agent before deciding to proceed.

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ANZ can provide Approval in Principle to eligible customers who apply for an ANZ home loan and complete an application form. An Approval in Principle is an approval for a loan subject to conditions being met, including that security is satisfactory to ANZ.

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The range of interest rates shown incorporate ANZ Breakfree Special Offer discounts which apply while you hold an ANZ Breakfree package and meet ongoing eligibility criteria. The applicable discount varies based on loan amount, total mortgage lending and other eligibility criteria. Eligibility for interest rate discounts of between 0.75% p.a. and 0.90% p.a.  are subject to ANZ Breakfree Package Special Offer Terms and Conditions (PDF 40kB) and the ANZ Breakfree Terms and Conditions (PDF 78kB), which include total mortgage lending requirements, lending to value ratio requirements, and new lending requirements for existing customers. For details, see ANZ Breakfree package.

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Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only. 

WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 

Availability and level of interest rate discounts under the Breakfree package vary based on minimum lending requirements and other eligibility criteria. See ANZ Breakfree Package Special Offer Terms and Conditions (PDF 40kB) for eligibility. 

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This comparison rate is for a loan of $150,000 over 25 years based on monthly repayments. These rates are for secured loans only.

WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 

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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 412kB).

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Interest rate discounts apply to eligible loan accounts linked to the Breakfree package which meet minimum lending requirements (total mortgage lending must be at least $150,000).

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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 (PDF 80kB) 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. 

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The Annual Account Fee is waived on one eligible ANZ credit card account held under an ANZ Breakfree Package. The waiver only applies while the account is held under the package. A Rewards Program Services Fee of $55 per cardholder may apply to ANZ Rewards and ANZ Frequent Flyer accounts.

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Account service fee waived on one eligible transaction account (ANZ Access Advantage account or ANZ One offset account).

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ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance are issued by QBE Insurance (Australia) Limited (QBE) ABN 78 003 191 035 (AFSL 239545). ANZ Mortgage Protection Insurance is jointly issued by OnePath Life Limited (ABN 33 009 657 176) and QBE. This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs.  You should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs. ANZ recommends that you read  ANZ Financial Services Guide (PDF 520kB) and the relevant ANZ Home insurance Product Disclosure Statement and Policy (PDF 936kB)ANZ Landlord Insurance Product Disclosure Statement and Policy (PDF 736kB)ANZ Car Insurance Product Disclosure Statement and Policy (PDF 656kB) and ANZ Mortgage Protection Insurance Product Disclosure Statement and Policy (PDF 307kB), available by calling 13 16 14 or visiting anz.com before deciding whether to acquire, or to continue to hold, any of these products. To be entitled to a discount on your insurance you must notify the issuers of these products at the time of application that you are an ANZ Breakfree Package customer. Please note for ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance the discount is only applicable to the first year’s premium. Reference to insurance premium amounts for the purposes of calculating the applicable Breakfree Package benefits exclude any stamp duty, GST and other government fees, charges or levies components that are included in the total premium amount paid by you. These discounts are not available in conjunction with any other discount offer made by issuers of these products or ANZ.

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Terms and Conditions, fees and charges apply. Refer to ANZ Personal Account Fees and Charges booklet (PDF 139kB).

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