Home loan pre-approval
A pre-approved home loan gives you an idea of your potential buying power and approximate price range, so you can house hunt, or plan your build, with confidence.
Benefits
A pre-approved home loan is free, there’s no obligation to take it up, and has a lot of advantages:
Find out how much we're willing to lend you
It gives you an indication of what we're willing to lend you, subject to certain conditions.
Be confident with your next steps
Knowing what you could borrow means you can start house hunting or planning your build with confidence.
Pre-approval shows you're serious about buying
It shows real estate agents and sellers that you're serious about buying.
Get full approval faster
It speeds up the process for getting full loan approval. With full loan approval you'll be in a better negotiating position – having your finance already confirmed makes your offer more attractive.
Access to free ANZ Property Insights Reports
When you get a pre-approved home loan from ANZ, you can also get free ANZ Property Insights Reports (worth $49.95 each), which gives you an estimate of a property’s potential worth, plus recent comparable property sales in the area.
What you will need
It pays to be prepared - so here’s what you will need to provide your ANZ Home Loan Coach when you apply:
Proof of your identity
If you don’t already bank with us, we’ll need proof of your address and a valid photo ID. Utility bills and a passport or a valid driver’s licence are a good way to do this.
Proof of your deposit
How much cash or equity can you put towards the deposit? (If you have a low deposit, check out what other deposit options might be available).
Proof of income
You can prove your income using bank statements, payslips, or an employment contract. If your income is directly credited into an ANZ account, you may not need to provide proof of income. If you’re self-employed, we’ll need your financial statements, preferably through your accountant.
Your expenses
Ensure you have 90 days of bank statements for all your accounts (including credit card accounts) that you use to pay your expenses from.
How to apply
Apply online
Apply for an ANZ Home Loan.
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
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.
Home buying toolkit
Important information
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 anz.co.nz/fapdisclosure