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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.

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A pre-approved home loan is free, there’s no obligation to take it up, and has a lot of advantages:

  • It gives you an indication of what we're willing to lend you, subject to certain conditions. 
  • Knowing what you could borrow means you can start house hunting or planning your build with confidence. 
  • It shows real estate agents and sellers that you're serious about buying. 
  • 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. 
  • When you get a pre-approved home loan from ANZ, you can also get free ANZ Property Insights Reports (worth $49.95 each). An ANZ Property Insights Report gives you an estimate of a property’s potential worth, plus recent comparable property sales in the area.

How to apply

Call us

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

0800 269 4663


We'll come to you

A Mobile Mortgage Manager can visit you whenever, wherever is convenient for you.

Request an appointment



Start online

Start the application process for your home loan online today.

Start your application

It takes just 5 to 10 minutes.


Home buying 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 Seminars

Free seminars to learn about the home buying process, building, renovating and property investment.

Property Unlocked Seminars

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 

Need help?

Help and support 

See all help and support articles

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