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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.

First home buyers could get $3,000 cash with ANZ

Buy your first home with an ANZ Home Loan and you could get a $3,000 cash contribution, as long as you keep your home loan with ANZ for at least three years. 

Apply now

Lending criteria, terms, conditions and fees apply to this offer. See the ‘Important information’ section.



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.

First home buyer toolkit

Free Home Buyer Handbook

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

Download our Home Buyer Handbook (PDF 1.0MB)  

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 

ANZ Healthy Homes

Whether you’re buying, building or renovating, we have a range of initiatives to help make your home warm, dry and energy efficient.

Learn more about ANZ Healthy Homes 

How to apply

Start online

Start the application process for your home loan online today.

Start your application

It takes just 5 to 10 minutes.

Call us

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

0800 269 4663

We'll come to you

A Home Loan Coach can visit you whenever, wherever is convenient for you.

Request an appointment

First home buyer cash contribution: To be eligible for the $3,000 cash contribution you must be a first home buyer, ANZ will determine who is a first home buyer at our sole discretion. Our cash contribution offer is on the condition you stay an ANZ customer for at least 3 years, if you move your banking or lending to another financial institution within 3 years, we may ask you to immediately repay our cash contribution. The cash contribution will be paid on drawdown of your home loan.

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. 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