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Building and renovating

Building a new home from scratch or renovating your existing one can be a great way to get the home you’ve always wanted. ANZ can help you finance a build or major renovation.

Book an appointmentStart your application


Building your home

Explore your deposit options

There are a number of ways to get a deposit together to finance your build, including using equity in your existing home.

The home building process

Building your home can be an exciting project. Find out how the home loan process works when building your own home.

Renovating your home

Using equity in your home to finance renovations

You may be able to use the equity in your existing home to finance your renovation project.

The home renovation process

Borrowing for renovations is different to borrowing for a new home. Find out how the home loan process works when renovating your house.

Apply for a home loan top up

If you already have a home loan with ANZ you may be able to top up your existing home loan to finance your renovations.

Building and Renovating Handbook

In this free guide, we break down the building and home loan process step-by-step.

ANZ Healthy Homes

In addition to ANZ home loans, we have a range of initiatives to help you into a home that’s healthier, more energy efficient and environmentally sustainable, including:

  • Special package discounts for homes with a 6 Homestar rating or higher
  • Interest-free home loan top ups for home insulation and heat pumps
  • HomeFit online check to help assess if you home is warm, safe and dry



Work out how much you could borrow

Get an idea of how much you could borrow based on some quick questions about your financial situation.

Work out your repayments

Find out how much your repayments might be depending on the loan amount, loan type and term.

Wanting to renovate your home?

Get an idea of how much it might cost based on some quick questions about your home and renovation plans. 


Property Unlocked Seminars

Free seminars to learn about the home buying process, building, renovating and property investment.

Mobile Mortgage Managers

Want to crunch the numbers with an expert? Our Mobile Mortgage Managers can visit you whenever is convenient.

How to apply

Start online

Start your application

Start the application process for your home loan online today. It takes just 5 to 10 minutes.

Call us

to book an appointment at your local branch

0800 269 296

Weekdays, 8am - 8.30pm
Weekends, 9am - 5pm

International: +64 4 470 3165

We'll come to you

Request an appointment

A Mobile Mortgage Manager can visit you whenever, wherever is convenient for you.

Frequently asked questions

Help and support 

See all help and support articles

ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change.  

A copy of the Bank's General Disclosure Statement  under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any ANZ branch, free of charge.

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. An ANZ Authorised Financial Adviser will, on request and free of charge, provide you with his or her disclosure statement prepared under the Financial Advisers Act 2008. If you wish to consult one of ANZ's financial advisers, please contact us on 0800 269 296.