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Planning and budgeting

Deposits. Unexpected costs. Home loan terminology. There's a lot to consider when buying a home.

Here we help break it down, whether you're a first home buyer, buying an investment property or even building or buying off the plan. 

Buying your first home

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Home loan deposits explained

3 minute read

If you’re saving up hard for your deposit, you may be wondering why you need one and what exactly you’re meant to do with it.

  

Article

How a guarantor could help you buy your first property sooner

3 minute read

When you’re trying to save a deposit, it can feel like you’re trapped on a frustrating merry-go-round.

  

Article

Getting to know the First Home Owners Grant

3 minute read

Eligible first home buyers may get money from the government to help them buy their first home. It’s called the First Home Owner Grant (FHOG).

 

Article

How much do you really need for a house deposit?

3 minute read

It depends on a range of factors – from how much a lender is willing to lend to you, to whether you’re willing to pay a little more on the loan.

 

Article

Saving for your home deposit faster

6 minute read

When you’re saving up for a house deposit, every little tactic can help. Here are some ways to save smarter so you can buy your first home sooner.

  

Budgeting

Article

Budget renovation or expensive repairs? 

4 minute read

Buying an existing home can have many benefits but there are important factors you should consider to avoid costly repairs or renovations. Here’s what to look out for.

  

Article

Looking to build that home office? A home-loan top up could help

4 minute read

If you’re looking to access cash for bigger goals such as building a home office or buying a new car, you might want to first look in your own backyard – that is, at your existing home loan.

  

Article

What you want vs what you need

3 minute read

When you’re house hunting, it pays to recognise the difference between things you actually need and those that could turn out to be expensive indulgences.

  

Article

The unexpected costs to consider when buying a house

4 minute read

There’s more to buying a house than meets the eye. It can help to tally up all the costs of home-buying before you start.

  

Article

Working out how much to borrow when buying property

4 minute read

Whether you’re in the market for your first home, next home, or an investment property, you’d probably like to know how much you could borrow. 

 

Article

What is stamp duty and how does it affect you?

4 minute read

Stamp duty could have an impact when buying a house and it can help to know what’s involved. Learn how it could affect your first home purchase. 

  

Article

Common dilemmas for homeowners considering their next move

4 minute read

There’s a lot to think about when considering your next move. For example, is now the right time to buy a new home? Or perhaps you’re better off staying put and renovating?

  

Building or buying off the plan

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Build or buy: Weighing up the pros and cons

4 minute read

Here are some pros and cons to consider when deciding whether to build your own home or buy an existing home.

  

Article

Buying off the plan: pros, cons and how to pay your deposit

7 minute read

Buying off the plan means paying a sizable deposit, then waiting until it’s finished before paying the balance of the purchase price. 

  

Article

Thinking about building? Understand your options

4 minute read

Tossing up between a house and land package and becoming an owner-builder? Here are some things to consider.

  

Article

Applying for a home loan when buying land

4 minute read

If you’re planning on buying land in a new estate, you probably want to feel certain that you can borrow the balance when it’s time to settle. 

  

Article

What to consider before you buy off the plan

5 minute read

Buying ‘off the plan’ is increasingly popular. But what are some of the things you need to know before you sign on the dotted line?

  

Investment property

Article

Understanding negative and positive gearing

4 minute read

What investment strategy could work for you? Learn more about negative and positive gearing. 

   

Article

Using the equity in your home

5 minute read

Equity is the difference between the value of your property and how much you owe on it. Find out how unlocking the equity in your home could open up opportunities.

   

Article

What is 'rentvesting'?

4 minute read

‘Rentvesting’ is a relatively new term, coined to describe property buyers who continue to rent the home that they live in, and rent out their investment property. 

   

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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.

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.

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ANZ 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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