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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

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

  

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How a guarantor could help you buy your first property sooner

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

  

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Getting to know the First Home Owner Grant (FHOG)

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).

 

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How much do you really need for a house deposit?

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.

 

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How to save for a house deposit – the smart way

When you’re saving up for a house deposit, every little tactic can help. Here are some suggestions for reaching your savings goal.

  

Budgeting

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What you want vs what you need

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.

  

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The unexpected costs to consider when buying a house

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.

  

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Working out how much to borrow when buying property

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. 

 

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What is stamp duty and how could it affect you?

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. 

  

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Stamp duty and other costs of buying a property

If you’re working out the costs of buying your home, there are other charges to consider in addition to the purchase price. Some of these are listed below.

  

Building or buying off the plan

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Thinking about building? Understand your options

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

  

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Getting loan approval for buying land

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. 

  

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Buying off the plan

Buying off the plan may have advantages compared to buying an existing property, but there are some risks to consider too.

  

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What to consider before you buy off the plan

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?

  

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

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

  

Investment property

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Understanding negative and positive gearing

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

   

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Understanding equity

Equity is the difference between the value of your property and how much you owe on it. Find out how you can make it work for you.

   

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What is 'rentvesting'?

‘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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All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply. Australian credit licence number 234527.

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, 104kB) before acquiring any product. 

Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply.

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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