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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.

Book an appointmentStart your application



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 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.

How it works

When considering a pre-approval an ANZ Home Loan Coach will need to:

  1. Validate your identity; and
  2. Assess your financial position, income, living expenses and eligibility for a KiwiSaver first home withdrawal.

We'll need proof of address, a valid photo ID and proof of regular income. These can be provided through utility bills, a passport or New Zealand driver's license, pay slips or three months' bank statements. 

A pre-approval makes up two of the three parts of a full loan application: your identity and your financial position – so it gets you off to a great start. All that remains is to find the right property, or finalise your building plan and then contact us to confirm full loan approval.


Your pre-approval is valid for up to three months. If you're house hunting for longer, or your planning phase takes longer, contact your Coach who can reasses your financial position.

How to apply

Start online

Start your application

Start the application process for your home loan online today. It takes just 5 to 10 minutes.

Call us

to book an appointment at your local branch

0800 269 296

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

International: +64 4 470 3165

We'll come to you

Request an appointment

A Construction Coach can visit you whenever, wherever is convenient for you.

Home buying toolkit

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.

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.

Frequently asked questions

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. 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.