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At this rate, you'll be home in no time 

ANZ Home Loan


2 years fixed

Start the home loan process

Compare ANZ home loans

Lending criteria, terms, conditions, and fees apply.

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? (PDF 2.3MB)

Free Property Unlocked Seminar

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

Register now

HomeFit

HomeFit is a straightforward way to check if a home is warm, safe and dry - developed by the New Zealand Green Building Council
and is proudly supported by ANZ. You can use it to check a home you’re looking to buy or rent, or to understand how you can improve your current home or investment property. It starts with a simple online check on the HomeFit website.

Check a property

Home Buyer's Handbook

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

Take a look (PDF 6.5MB)

KiwiBuild Support

KiwiBuild is a government lead programme set to deliver affordable homes for first home buyers.

How ANZ can help

  • A home loan pre-approval, giving you an indication of how much you can afford so you can enter KiwiBuild ballots with confidence, and;
  • Help and guidance from an ANZ Home Loan Coach throughout the process.

 

How KiwiBuild works

  1. Understand if KiwiBuild is for you – there are some criteria you will need to meet in order to be eligible.
  2. Register your interest with KiwiBuild - KiwiBuild will keep you updated on available homes.
  3. If you think you will buy soon, you can submit your application to pre-qualify for KiwiBuild. You will need a home loan pre-approval to pre-qualify.
  4. Confirm with your ANZ Home Loan Coach that the KiwiBuild properties you are interested in meet our lending and security criteria*
  5. If the home you want to buy is sold by direct sale, the developer or real estate agent will guide you through the process. If the home is being sold through a ballot you can enter the ballot through the KiwiBuild portal – here you will find a guide to walk you through the balloting process.
  6. If you’re successful in the ballot, talk to your lawyer and ANZ Home Loan Coach to confirm full loan approval before you sign an unconditional sale and purchase agreement.
  7. You’ll also need to pay a deposit to the KiwiBuild developer (usually 10% of the house price).
  8. Your ANZ Home Loan Coach will help you through the process of drawing down your home loan.

For more information, check out our First Home Buyer Handbook.


Who is eligible?

To be eligible you must:

  • be a first home buyer or a ‘second chancer’ (have previously owned a home but no longer own one, and be in a similar financial position as a first home buyer)
  • be a New Zealand citizen or permanent resident, or a resident visa holder who is ‘ordinarily resident in New Zealand’
  • have income of no more than $120,000 for a single purchaser, or no more than $180,000 for more than 1 purchaser
  • intend to own the home, or live in it as your main place of residence, for at least 3 years.
     

Start the pre-approval process now with an ANZ Home Loan Coach:

*Before you enter a ballot, please tell us what type of property you’re looking to buy, so we can check whether it will meet our criteria or whether we need to reduce how much we will lend to you. For example, we’ll only lend up to 50% of an apartment’s value if the floor area is less than 45sqm (for one bedroom apartments), 55sqm (for two bedroom apartments), or 65sqm (for three bedroom apartments).

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.

 

Planning

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.

 

Settling

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, whereever is convenient for you.

 

 Use our online calculators

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

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? (PDF 79KB)

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?

Important information

Interest rates are subject to change. To get this rate you are required to have a minimum of 20% equity and an ANZ transaction account with your salary direct credited, otherwise standard rates apply. This rate is not available with any package discounts. Lending criteria, terms, conditions, and fees apply.

 

First home buyer cash contribution: To be eligible for the $3,000 cash contribution you must be a first home buyer, ANZ will determine who is a first home buyer at our sole discretion. Our cash contribution offer is on the condition you stay an ANZ customer for at least 3 years, if you move your banking or lending to another financial institution within 3 years, we may ask you to immediately repay our cash contribution. The cash contribution will be paid on drawdown of your home loan.