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How to apply for a home loan

There are lots of ways you can start your home loan application with ANZ.


Before you apply

It always pays to be prepared – so here's what you might need when you apply:

Proof of your identity

We’ll need proof of your address and a valid photo ID. Utility bills and a passport or a valid driver’s license are a good way to do this.

Your expenses

You’ll need to provide a breakdown of your expenses, including basic living costs, student loans, non-ANZ credit cards, insurance premiums, etc.

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 your income

For example, payslips. If your income is directly credited to an ANZ account, you may not need to provide proof of income.

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.


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.