The home buying process
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.
ANZ Reno Loan
Fall in love with your home again with an ANZ Reno Loan, up to $50,000 at a —% p.a. 3-year fixed rate, with a minimum of 20% equity.
From kitchens and bathrooms to outdoor improvements, we can help bring your renovation plans to life.
Offer available for a limited time. Terms, lending criteria, conditions and fees apply. Only for eligible renovations as a top up to your ANZ Home Loan.
Calculators
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.
Get up to $300 cash back
Take out new home, contents or car insurance by 19 August 2026 and you could get $100 per cover, up to $300 cash back.
Insurance provided by Vero Insurance New Zealand Limited. Underwriting criteria, terms and conditions, and minimum holding period apply.
Next home buyer toolkit
Get two months’ free on life and income insurance
Help protect yourself, your family and their future. Get two months’ free on life and income insurance premiums for eligible policies taken out by 30 June 2026 with our partner Chubb Life.
The two months' free premiums are on new eligible cover. Life & Living policies must be applied for by 30 June 2026 and issued by 13 August 2026. Extended dates may apply to other eligible cover. See terms and conditions for full details.
How to apply
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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