At this rate, you'll be home in no time
ANZ Home Loan
4.05% P.A.
1 year fixed
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.
Free ANZ Property Profile Report
Know a home’s potential worth before you buy with an ANZ Property Profile Report.
Free Property Unlocked Seminar
Experience the home buying process at one of our free evening seminars.
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.
Home Buyer's Handbook
A handbook to help you navigate the home buying journey from start to settlement.
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
- You’ll need to register and pre-qualify at kiwibuild.govt.nz. To pre-qualify and enter ballots, you must have a home loan pre-approval.
- KiwiBuild will update you as new homes become available.
- Before entering ballots for homes you’re interested in, check with your ANZ Home Loan Coach that the homes meet our lending and security criteria*
- If you’re successful in the ballot, talk to your ANZ Home Loan Coach to confirm full loan approval before you sign an unconditional sale and purchase agreement.
- You’ll also need to pay a deposit to the KiwiBuild developer (usually 10% of the house price).
- Your ANZ Home Loan Coach will help you through the process of drawing down your home loan when your house is built.
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:
- Book an appointment with a Mobile Mortgage Manager.
* 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.
Get started today
Book an appointment
Our Mobile Mortgage Managers can visit you whenever, whereever is convenient for you.
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?
Interest rates are subject to change. To get this rate you are required to have a minimum of 20% equity, an ANZ transaction account with your salary direct credited plus one other product, 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 draw down of your home loan.