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.


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

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

From overseas: +64 4 470 3165

Home buying toolkit

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