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ANZ Home Loan

4.05% P.A.

1 year fixed + you could get a
$3,000 cash contribution

Start the home loan process

Cash contribution offer valid until 20 December 2018.
Lending criteria, terms, conditions, and fees apply to these offers.

Home buyers' toolkit

Practical tools that will help to prepare you for buying a home.


Work out how much you could borrow

Get an idea of how much you could borrow, and what your repayments might be.


Borrowing calculator

Free ANZ Property Profile Report

Know a home’s potential worth before you buy with an ANZ Property Profile Report.


What's in the report?

First Home Buyer Handbook

A handbook to help you navigate the home buying journey from start to settlement.


Take a look

Home loan deposit options

There are a number of ways that you can get a deposit together.


Find out more

Buying your first home using
your KiwiSaver savings

You may be able to use some of your KiwiSaver savings to buy your first home.

Find out how

Free Property Unlocked Seminar

Experience the home buying process at one of our free evening seminars.


Register now

Buying a home: the three steps 

Sometimes the hardest part is knowing where to start. To help out, we set out the home-buying process in three, easy-to-follow steps.



Know your buying power

Understand your financial and borrowing capacity.


House hunting

Ways to buy a house

Finding a home you like and how to make an offer.



Bringing it home

Your offer's been accepted - what next?

Get started today


0800 269 4663

Talk to a home loan expert.


Book an appointment

Our Mobile Mortgage Managers can visit you whenever, wherever is convenient for you.


 Use our online calculators

To find out how much you could borrow, or what your repayments could be.

First home buyer resources and articles


How much deposit do you need?

There’s no hard and fast answer. Generally speaking, the bigger your home loan deposit the better; but exactly how much do you need?

Take a look


Understand two ways KiwiSaver could help with your first home

Once you’ve been a KiwiSaver member for at least three years, you may:

  • be able to use your KiwiSaver savings to put towards your first home and
  • be eligible for a HomeStart grant from Housing New Zealand.

Find out more

Why do I need pre-approval?

A pre-approved home loan gives you an idea of what you can afford.



What insurance might you need?

We can help with insurance options that ensure you and your family are protected no matter what.

What is Loan to Value Ratio?

Loan to Value Ratio is one of those things you’ll hear about a lot in the world of home loans. It’s important because it may affect your borrowing power. So what is LVR?

Interest rates are subject to change. To get this rate you must have a minimum of 20% equity, an ANZ transaction account with salary direct credited, plus one other ANZ product. Otherwise standard interest rates apply. This rate is not available with any package discounts. Cash contribution only available on new home loans fully approved by 20 December 2018 – must be $200,000+ with new residential security provided, and is conditional on you maintaining all your banking and home lending with ANZ for three years. Lending criteria, terms, conditions, and fees apply.