Apply for a home loan

It always pays to be prepared – so before you apply, sit down and work through your finances. In particular:

• Your income – work out your total income from salary/wages, dividends, commission, rental income etc.
• Your expenses – this includes basic living costs (food, utilities, etc), student loans, hire purchase and credit cards, insurance as well as entertainment and holidays.
• Your deposit – the bigger your deposit, the less you’ll need to borrow , the lower your repayments will be, and the faster you’ll be mortgage-free.

Once you’ve worked out your income, expenses and deposit amount, you can start the home loan process online and get an indication of how much you may be able to borrow from ANZ. There’s no obligation and it gives you a good idea of what you may be able to afford. You can do this the following ways:

• ANZ Internet Banking - from the Apply and open tab
• ANZ goMoney - by navigating to Services > Apply & Open from the main menu
• ANZ website - by navigating to Start the process now from anz.co.nz/homeloans.

For more information or to apply for an ANZ Home Loan:

• Find an ANZ Mobile Mortgage Manager who will come to you anytime, anywhere
• Call us on 0800 269 4663. If you are overseas, call +64 4 470 3165 (toll charges apply)
• Let us call you back – A home loan expert will be in contact at a time that's convenient for you
• visit any ANZ branch in New Zealand with photo ID
• Send us a Bank Mail request via ANZ Internet Banking.

Loan application fees