Skip to main contentSkip to log on

Next home buyer

You've decided to buy or build another property. Whether you're looking for a bigger house, to downsize, or for an investment property, find out how ANZ can help.

The home buying process

1. Planning

The first stage involves reviewing your finances to understand your deposit options, and what you can afford to spend with a pre-approval.

Planning your finances

2. Finding or building 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, rates, bridging finance (if needed) and house insurance.

Settling a property purchase

Using existing equity to buy your next home

You may be able to use the equity in your current home towards the deposit for your next home.

Take years off your mortgage

Have a chance each month to win $100k towards your home loan with ANZ until 30 September 2025. If you have an ANZ home loan, you’re automatically in the monthly draw.

Eligibility criteria, terms and conditions, and some exclusions apply. For details, see our competition terms and conditions.

Calculators

Work out your repayments

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

Repayment calculator

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

Our Home Loan Check In

No matter who you bank with, our ANZ Home Loan Coaches can work with you to make sure your home loan is structured to suit your needs. 

The Home Loan Check In is free, there is no obligation, and it will only take about 15 minutes. Our coaches are happy to talk to you over the phone or in person, whatever suits you.

Request a Home Loan Check In

Next 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)

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

Articles and guides

How to choose and manage debt such as home loans, including managing higher interest rates and tips to pay off your home loan faster.

Articles and guides

Get 2 months’ free life and income insurance

Help protect yourself, your family and their future. Get 2 months’ free on life and income insurance premiums for eligible policies by 4 September 2025 with our partner Chubb Life. 

The 2 months' free premiums are on new eligible cover. Life & Living policies must be applied for by 4 September 2025 and issued by 19 October 2025. Extended dates may apply to other eligible cover. See terms and conditions for full details.

How to get a quote

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

Popular buying a home articles

Buying a home

Should you sell before you buy a house?

It’s an age-old dilemma. Is it better to buy your new house before you sell your current one, or the other way around? That depends on a few key factors.
Sell before you buy a house?

Your money future

Insurance know-how for every age and stage

Protecting yourself, your possessions and lifestyle is important. The real trick is finding the sweet spot so your cover reflects where you’re at.
Insurance know-how

Buying a home

How to help your kids buy a house

Saving a deposit can feel impossible for first-time buyers, but a little help from family could make all the difference.
Helping your kids buy a house

Buying a home

How to manage higher home loan interest rates

Interest rates have risen in the past few years. How might this impact you and what steps could you take to manage your home loan?
Higher home loan interest rates

Buying a home

Home loans in a changing economy

Unexpected events, rising rates and cost increases make it harder to meet repayments. Here are strategies you could use to in good times, and not so good times.
Home loan in a changing economy

Buying a home

Should you sell before you buy a house?

It’s an age-old dilemma. Is it better to buy your new house before you sell your current one, or the other way around? That depends on a few key factors.
Sell before you buy a house?

Your money future

Insurance know-how for every age and stage

Protecting yourself, your possessions and lifestyle is important. The real trick is finding the sweet spot so your cover reflects where you’re at.
Insurance know-how

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