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First home buyer

The home buying process can be challenging. But with the right help, you can move through each step with confidence.

Host next summer in your first home

If you’re a first home buyer and taking out a new home loan (minimum of $200,000) you could get a $5,000 cash contribution. Plus, go in the draw to win the ultimate BBQ kit. The cash contribution is on condition you stay with ANZ for 3 years. For the prize draw, that new loan must be approved and documented before 13 March 2026. Home lending rules, eligibility criteria and prize terms apply—. 

The home buying process

1. Planning

The first stage involves reviewing your finances to understand what you can afford and your deposit options, like using your KiwiSaver.

Planning your finances

2. Finding the one

Once you've got your deposit and pre-approval sorted, you can start house hunting with confidence.

Finding a house to buy

3. Settling

At the last stage, you'll confirm your home loan structure and house insurance, and complete paperwork and other tasks required to get you across the line.

Settling a property purchase

Only have a 10% deposit?

You could get into your first home with ANZ’s low-deposit lending. Talk to us about options for your first home loan.

Lending criteria and terms apply. Exclusions apply to certain property or loan types, and loan purposes. NZ residents only.

Request an appointment

Calculators

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.

Borrowing calculator

Work out your repayments

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

Repayment calculator

Meet with an ANZ Home Loan Coach

They’ll be in your corner at every stage of the journey.

Your coach will take you through your loan options and help with your plan of getting to where you want to be. They’ll give you an approximate idea of how much you could borrow, work through your deposit options, and what your repayments might look like.

Request an appointment

Free temporary life cover for first home buyers

If you’re an eligible first home buyer, our life insurance partner Chubb Life is offering four months’ free life insurance of $30,000 when you take out a home loan with ANZ. Eligibility criteria, terms and conditions apply to this offer. 

Talk to an ANZ Home Loan Coach

First home buyer toolkit

Free Home Buyer Handbook

A guidebook to help you navigate the home buying journey from start to settlement.

ANZ home buyer handbook(PDF 1.6MB)

Articles and guides

Discover ways to get into your first home, including co-owning with friends or whānau, using your KiwiSaver savings, or how your family could help.

Articles and guides for first home buyers

Using KiwiSaver to buy your first home

If you’re a first home buyer, find out how KiwiSaver could help you into a home of your own.

Buying your first home with KiwiSaver

Free Property Insights Report

Know a home’s potential worth before you buy with an ANZ Property Insights Report (worth $49.95).

How to get a Property Insights Report

Property Unlocked webinars

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

Property Unlocked webinars

Compare home loans

Compare our home loan features and interest rates.

Compare our home loans now

Good energy upgrade guides

We have a range of resources and initiatives to help make your home warm, dry and more energy efficient.

Read our good energy upgrade guides

How to apply

Apply online

Apply for an ANZ Home Loan.

Apply now

Call us

Call and talk to one of our New Zealand-based home loan coaches.

Monday to Friday, 8am - 7pm

Saturday and Sunday, 9am - 5pm

0800 269 4663

From overseas: +64 4 470 3165

Talk to a Mobile Mortgage Manager

Our Mobile Mortgage Managers can visit you at a time and place that is convenient for you.

Find a Mobile Mortgage Manager

Important information

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

This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296, or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see anz.co.nz/fapdisclosure