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Conditional pre-approval
A conditionally pre-approved home loan gives you an idea of your potential buying power and approximate price range, so you can house hunt with confidence.
A conditionally pre-approved home loan is free, there’s no obligation to take it up, and has a lot of advantages:
- 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 conditionally pre-approved home loan from ANZ, you can also get free ANZ Property Profile Reports (worth $49.95 each). An ANZ Property Profile Report gives you an estimate of a property’s potential worth, plus recent comparable property sales in the area.
- A conditional pre-approval gives you an indication of what we’re willing to lend you, subject to certain conditions.
- It’s valid for up to 90 days (depending on your situation and how much you want to borrow).
- Once you’ve found a home, you’ll need to contact us to confirm full loan approval for that home. You may need to satisfy conditions, for example, getting a valuation on the property.
Start online
Start the application process for your home loan online today. It takes just 5 to 10 minutes.
Call us
0800 269 4663
Weekdays, 8am - 8.30pm
Weekends, 9am - 5pm
International: +64 4 470 3165
We'll come to you
A Mobile Mortgage Manager can visit you whenever, wherever is convenient for you.
Work out your repayments
Find out how much your repayments might be depending on the loan amount, loan type and term.
Free First Home Buyer Handbook
A guidebook to help you navigate the home buying journey from start to settlement.
Free Property Profile Report
Know a home’s potential worth before you buy with an ANZ Property Profile Report (worth $49.95).
Property Unlocked Seminars
Free seminars to learn about the home buying process, building, renovating and property investment.
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. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. An ANZ Authorised Financial Adviser will, on request and free of charge, provide you with his or her disclosure statement prepared under the Financial Advisers Act 2008. If you wish to consult one of ANZ's financial advisers, please contact us on 0800 269 296.