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Find ANZ Support Centre
Find ANZ Support Centre

Home loan offers

Explore current home loan offers that could give your property journey a boost, from your first home to your next investment and beyond.

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

Want to chat with a home loan specialist about our current offers?

Request a call back

First home buyers

Move into your first home sooner

The Australian Government 5% Deposit Scheme helps first home buyers and single parents get into the market sooner with a smaller deposit.

Tell me more

ANZ eligibility criteria, T&Cs, fees, charges and exclusions apply. Scheme eligibility criteria apply.

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$3,000 cashback for first home buyers

Buying your first home? You could get $3,000 to spend however you like. Available to eligible first home buyers with an ANZ home loan of $250,000 or more.

Learn more

Not available for eligible loans supported by a Government guarantee or where an ANZ LMI Waiver applies. Other exclusions, eligibility criteria and T&Cs apply.disclaimer

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LMI waiver for eligible professionals

Do you work in a legal, medical or accounting profession? You may be eligible for a Lenders Mortgage Insurance waiver with your ANZ home loan.

See eligible professions

Other government grants and schemes for eligible home buyersdisclaimer

First Home Owner Grant (FHOG)

The FHOG is a national scheme funded and administered by the states and territories to help first home buyers.

More information

Stamp duty exemption or concession

Different states and territories in Australia have their own distinct stamp duty rates and relevant exemptions. See how it could apply to you.

Check now

First Home Super Saver (FHSS)

The FHSS scheme allows eligible individuals to make personal voluntary contributions into their super fund to help them save for their first home. 

Learn more

Ready to apply? It only takes 5 minutes

Just tell us a little bit about:

  • You
  • Your financial situation
  • The loan you're applying for

And one of our home loan specialists will get in touch to progress with your application.

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Call back time is 1-3 business days.

Apply online

You may be interested in

Connect with our home loan specialists or apply

Our ANZ Home Loan Specialists can help you with a whole range of things, such as:

  • Applying for a new home loan
  • Refinancing a home loan
  • Managing your existing loan
  • Helping you understand your ANZ Home Loan options so you can make your next move with confidence

Get support in a number of ways:


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Let us come back to you

Provide your details and one of our Home Loan Specialists will contact you via phone or email.

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Response time is 1-3 days.

Request a call back

 

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Make an appointment

Chat with one of our home loan specialists by phone, video call or in person at your nearest branch.

Book an appointment


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Call us now

With extended hours, you can get in touch with someone quickly.

Monday-Friday 8am-7pm (Sydney/Melbourne time)

Call 1800 100 641


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Meet with an ANZ Mobile Lenderdisclaimer

ANZ Mobile Lenders will go the extra mile with the experience and knowledge to navigate all ANZ home loans. Enjoy the convenience of meeting wherever and whenever suits you best. ANZ Mobile Lenders are dedicated ANZ Home Loan Specialists who can provide personalised service where and when it suits you.

Find your ANZ Mobile Lender


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Start your application online

Kick things off online and an ANZ Home Loan Specialist will contact you to help with the remainder of the application process.

Apply online now


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Talk to your broker

You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.

 

Frequently asked questions

LVR stands for 'Loan to Value Ratio' and it's the amount you’re looking to borrow, calculated as a percentage of the value of the property you want to buy (as assessed by ANZ). For instance if you’re borrowing $400,000 to buy a $500,000 property, your LVR would be 80% (because $400,000 is 80% of $500,000).

LVR is important because it may affect your borrowing power. Generally, the lower the LVR the better, as it carries less risk for the lender. If your LVR is above 80% (that is, you're looking to borrow more than 80% of the value of the property you want to buy), you may need to pay Lenders Mortgage Insurance (LMI). This insurance protects the lender - ANZ, not you - if you default on your home loan and there’s a shortfall following the sale of the property. Generally speaking the higher your LVR, the more LMI will cost.

Learn more about ANZ LMI with our Key Fact Sheet (PDF) or read our article on Lenders Mortgage Insurance.

*Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.

  

Your Loan to Value Ratio (LVR) is the amount you’re looking to borrow, calculated as a percentage of the value of the property you want to buy*. For instance if you’re borrowing $400,000 to buy a $500,000 property, your LVR would be 80% (because $400,000 is 80% of $500,000).

The calculator will show your estimated LVR rounded up to one decimal point. For instance if your estimated LVR is calculated as 80.01%, it will be rounded up to 80.1%. Having an LVR of 80% or less (and for some loans 70% or less) means you could access some of ANZ’s higher discounts, and may be able to avoid paying Lenders Mortgage Insurance (which protects the lender if you default on your loan). Learn more about ANZ Lenders Mortgage Insurance with our Key Fact Sheet (PDF).

Generally, the lower your LVR the better. This is because from the lender’s perspective, a lower LVR carries less risk. Plus, a lower LVR means you’ll have more equity in your home from the start. Find out more about LVR and what it means for your home loan.

*Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.

   

The index rate is a benchmark interest rate set by ANZ. ANZ offers discounts off the index rate, which are included in the interest rates shown above (based on your Loan to Value Ratio).

  

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 234527.

Offer can be withdrawn at any time. Maximum one cashback per eligible loan, individual may only claim once. Available for eligible First Home Buyers who purchase or construct their first property and take out an Eligible ANZ Home Loan of $250,000 or more. Offer not available for any Eligible ANZ Home Loan supported by a Government guarantee, where an ANZ LMI Waiver applies, or for ANZ Plus Home Loans. Other exclusions may apply. To be eligible to receive the cashback First Home Buyers must hold an Eligible ANZ Account at loan drawdown. Drawdown on the Eligible ANZ Home Loan(s) must take place within 180 days from applying. Cashback paid after settlement within 60 days of drawdown. See the full Terms and Conditions (PDF) for this offer. Fees, charges and eligibility criteria apply. Applications for credit are subject to approval.

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The information provided is general in nature for first home buyer purposes only.

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ANZ Mobile Lending representatives operate under an ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 Australian credit licence 234527.

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