Skip to main contentSkip to log on

Buying a home

Whether you’re a first home buyer, or looking to move house, here's how ANZ can help you on your journey.

First home buyer

The home buying process can be challenging. But with the right help, you can move through each step with confidence.

The home buying process

Next home buyer

Whether you're looking for a bigger house, to downsize, or for an investment property, find out how ANZ can help.

Next home buyer

Getting a pre-approval

At ANZ we can pre-approve your home loan – so you can look for a home with confidence.

How to get a pre-approval

Free Property Insights Report

Know a home’s potential worth before you buy with an ANZ Property Insights Report (worth $49.95).

How to get a Property Insights Report

Deposit options

There are a number of ways you can get a deposit together – including KiwiSaver first home withdrawal and using equity in your home.

Deposit options

Bridging finance

Buying your next home and concerned it may settle before your current home? Talk to us about how we may be able to help bridge the gap.

Bridging finance

Get 2 months’ free life and income insurance

Help protect yourself, your family and their future. Get 2 months’ free on life and income insurance premiums for eligible policies by 16 April 2025 with our partner Chubb Life. 

2 months' free premiums on new eligible cover. Life & Living policies must be applied for by 16 April 2025 and issued by 31 May 2025. Extended dates may apply to other eligible cover. See T&Cs for full details.

Life insurance

Calculators

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.

Borrowing calculator

Work out your repayments

Find out how much your repayments might be depending on the loan amount, loan type and term.

Repayment calculator

Home buying toolkit

Free Home Buyer Handbook

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

Home Buyer Handbook (PDF 1.0MB)

Free Property Insights Report

Know a home’s potential worth before you buy with an ANZ Property Insights Report (worth $49.95).

How to get a Property Insights Report

Property Unlocked webinars

Free webinars to learn about the home buying process, building, renovating and property investment.

Property Unlocked webinars

Compare interest rates and home loans

Compare our home loan features and interest rates.

Compare our rates and home loans

Loan to Value Ratio

Loan to Value Ratio (LVR) 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.

What is Loan to Value Ratio (LVR)?(PDF 81KB)

Debt-to-income ratio

A debt-to-income (DTI) ratio is calculated by dividing your total debt by your total gross income. Similar to LVR, the Reserve Bank of New Zealand (RBNZ) will use DTI to maintain the stability of New Zealand’s financial system. More information is available on the RBNZ website.

DTI restrictions explained – Reserve Bank of New Zealand

Start your journey to a more energy efficient home

We have a range of initiatives and guides to help you live in a warm, dry, energy efficient home.

Good energy guides

How to apply

Apply online

Apply for an ANZ Home Loan.

Apply now

Call us

Call and talk to one of our New Zealand-based home loan coaches.

Monday to Friday, 8am - 7pm

Saturday and Sunday, 9am - 5pm

0800 269 4663

From overseas: +64 4 470 3165

Talk to a Mobile Mortgage Manager

Our Mobile Mortgage Managers can visit you at a time and place that is convenient for you.

Find a Mobile Mortgage Manager

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