Apply for a home loan

Last updated: 07/04/2017 12.15 PM

How do I apply for a new ANZ 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

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

Loan application fees

Owner occupied

Up to $500

All other lending

Up to 1% of the loan amount

Tideover application/extension fee


Contact us

By phone

on 0800 269 296

6am to 12 midnight,
7days a week


Contact us online

Visit an ANZ branch

Find your nearest branch