Home loan conditional pre-approval

At ANZ we can conditionally pre-approve your home loan - so you can look for a home with confidence.



The benefits of a conditionally pre-approved home loan

A conditional home loan pre-approval is free and there’s no obligation – but it has a lot of advantages:

  • You can borrow a specified amount of money to buy a home, subject to satisfying some specific terms and conditions – for example, the type and value of the property you want to buy.
  • It shows real estate agents and sellers that you're serious about buying.
  • It puts you in a better negotiating position – having your finance already arranged makes your offer more attractive and helps speed up the process once you’ve found a home you like.
  • It means you can bid at house auctions – auction bids are unconditional, so you need to have your finance arranged before you bid. (Before you bid on a property, you’ll need to inform us so you can ensure you’ve got the all the correct information.).
  • When you get a conditionally pre-approved home loan from ANZ you’ll also get an E-Valuer reports from QV to help you look for a home and make an informed assessment of how much a property may be worth.
  • You can start the application process online or apply at your local branch, through one of our mobile mortgage managers or by calling 0800 269 4663.

How it works

  • It’s valid for up to 90 days (depending on your situation and how much you want to borrow).
  • Once you’ve found a home, we will confirm that it meets the conditions, and then provide unconditional approval for your loan.

Applying for a conditionally pre-approved home loan

You can start the application process online right now or contact us today.

Find out more about what documents you’ll need when you apply for a home loan.


Free E-Valuer report

You will get a free QV E-Valuer report with your conditionally pre-approved home loan from ANZ. An E-Valuer report gives you an instant estimate of a property’s market value plus recent comparable property sales in the area to help you make an informed assessment of how much a home may be worth.

ANZ lending criteria, terms and conditions and fees apply.

This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you would like to speak to an ANZ Authorised Financial Adviser, please call 0800 269 296.

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