Buying your first home

How much can I borrow?

How much you can borrow depends on a number of factors including:

  • The value of home you want to buy
  • How much you’ve saved
  • Your income, and your ability to repay your loan once you’ve paid your living expenses

Use our borrowing calculator to find out how much you could borrow and how much deposit you might need


How much deposit do I need?

At ANZ, you don’t need a 20% deposit to start the home loan process, however, the more deposit you have, the smaller the home loan you will need. To help you get your deposit together you can also consider:

  • Using KiwiSaver
  • Getting help from family

Regardless of how much deposit you have saved, you can get the ball rolling right now with our online indicative approval or by speaking to one of our home loan experts.

Get in touch with a home loan expert today:

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