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Planning

The first stage of buying a home involves reviewing your finances to understand what you can afford to spend.

Know your buying power

It's good to know how much you can afford to spend before you start house hunting or planning your build. Use our online calculators to get an idea of how much you may be able to afford. When you're ready, you can apply for pre-approval online or an ANZ Home Loan Coach can help you work through the process.

Work out how much you could borrow

Get an idea of how much you could borrow based on some quick questions about your financial situation.

Use our borrowing calculator

Deposit options


The amount you're able to borrow may depend on the size of your deposit. Find out more about home loan deposit options including using your KiwiSaver if you are a first home buyer or using equity from an existing property if you already own a home.

Home loan deposit options

Repayments calculator

Work out what your home loan repayments might be depending on the loan amount, loan type and term.

Use our repayments calculator

Getting a pre-approval

At ANZ we can pre-approve your home loan so you can house-hunt, or plan your build with confidence.

Getting a pre-approval

Building a new home

See our more detailed building and renovating information to help you plan your build.

Building and renovating

Consider the costs

It's important to factor in all of the costs of buying and owning a home. Below are some you might need to consider. Your ANZ Home Loan Coach can help you understand the costs and help you set your budget. You can also find tips and a budget calculator to help plan your spend our financial wellbeing hub.

Plan your spend
Budget calculator

Buying costs – one off

  • Solicitor fees.
  • LIM reports.
  • Property files.
  • Building inspections.
  • Moving costs.
  • Utility set and reconnecting services.

Owning costs – ongoing

  • Home loan repayments.
  • Council rates.
  • Insurance – Home and Contents.
  • Utilities and maintenance.
  • Body corporate fees (if buying a Unit Title).

Your support team

Aside from your ANZ Home Loan Coach you'll need:

Solicitor

There are a number of legal matters associated with purchasing a home, so it's important to involve your solicitor before you make an offer or bid at an auction. If you need to find one check out propertylawyers.org.nz. Legal fees vary, so ask around and get an estimate.

Building inspector

A building inspector can tell you about the condition of a property, which might help you decide whether it's the one for you. You can find a list of building inspectors in your area at boinz.org.nz.

Family and friends

Family and friends can help you throughout your home buying journey, whether that be giving their honest feedback on potential properties, supporting you at an auction or celebrating with you once you've bought your new home.

Assessing your insurance needs

Once you've found a new home you'll need to insure it before you can draw down your home loan, so it's a good idea to think about insurance early. Buying a home can mean a new chapter in your life, so you may also want to consider how other insurances could help protect you and your family's lifestyle.

Your ANZ Home Loan Coach can help you assess your insurance needs.

Protecting your new home

House insurance protects you if your house gets damaged or affected by things like a fire, flooding or natural disaster. You must have adequate house insurance in place before settlement day. Your Coach can help you understand what you need to do and potential insurance costs for the house type and location you're looking for.

Protecting your valuable possessions

Contents insurance covers the things you own (other than your house), such as furniture, clothes, appliances, etc. If you don't have contents insurance, it's a good idea to get this in place so you have peace of mind should something happen to your belongings. Your Coach can help you understand the options.

Protecting your lifestyle

What would happen if you suffered from an accident or illness that prevented you from working, or you passed away? Life and income insurances can help protect you and your loved ones’ financial future. Having the right cover in place can help with your home loan repayments or day-to-day living expenses. Your ANZ Home Loan Coach can put you in touch with our trusted insurance partner, Chubb Life, who can help you find the right insurance options for your situation.

Next steps

Finding the one

Ready to apply?

Getting a pre-approval

Important information

ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change.

This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296, or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see anz.co.nz/fapdisclosure