Why get home loan pre-approval?
A pre-approval makes up two of the three parts of a full loan application, your identity and your financial position. The third part is finding the right home to buy.
A home loan pre-approval is free, and there’s no obligation to take it up.
Get a free Property Insights Report
When you have pre-approval for an ANZ home loan, you can get a free ANZ Property Insights Report produced by Valocity (worth $49.95), which:
- Gives you an estimate of a property's potential market value
- Includes recent comparable property sales in the area
- Helps you decide how much you're willing to pay for a particular home.
What do you need to get pre-approval?
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 a valid photo ID. A passport or a valid driver’s licence are a good way to do this.
In some cases, we may require additional information or documentation from you, such as proof of your residential address. We will be in touch to let you know if this is the case.
Proof of your deposit
How much cash or equity can you put towards the deposit? If you have less than 20% deposit, your Home Loan Coach can help you understand your options. 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
Review your bank statements so you can tell us about your expenses. For non-ANZ accounts you’ll need to provide your last three months of bank statements.
Supplying bank statements
By supplying bank statements in electronic form as it makes the process a lot faster. PDFs are ideal. If you have multiple accounts, make sure you supply each account as a separate PDF. See our guide on finding and exporting statements from the ANZ goMoney app and Internet Banking.
How long is pre-approval valid for?
Your pre-approval is valid for up to three months. If you're house hunting for longer, contact your Home Loan Coach who can reassess your financial position.
How to apply
Free resources for home buyers
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.