Home loans - Borrowing

Home loans

Own your own home with the help of ANZ

At ANZ, we understand that there comes a time when you want to live in your own home. Our flexible home loans help customers who are looking to purchase their own home or those seeking to upgrade the current family home. All our loans offer competitive rates and with varying loan terms and individual loan assessments to suit your needs.

With an ANZ home loan, you can:

Borrow up to 70% of the value of the property
Enjoy a low competitive interest rate
Enjoy a term of up to 20 years.

All applications for credit are subject to ANZ's credit policy. Terms and conditions are available upon application. Fees and charges apply.

Download the Home Loans and Investment Loans Brochure (PDF 25KB)

To find out more, contact the ANZ call centre or get answers to common questions.

Common questions about ANZ Home loans

Q How much can I borrow?
A How much you can borrow is based on your individual circumstances (such as your income, financial commitments, current savings and credit history). With an ANZ Home loan, you can borrow up to 70% of the value of the property.

Q What documentation do I need?
A You will need to prove your level of income and employment details. Depending on your situation, you will need to show:

A letter confirming your employment from your current employer or copy of a labour contract
Last two years financial statements or tax returns (if self-employed)
Business licences or patents (if self employed)
Evidence of other income
Bank statements
ID card, Family book (not applicable if you're an existing customer)
Red or Pink books
Registration certificate
Sale & Purchase agreement
Rental agreements & proof of ownership
Other information requested and required by ANZ to assess your application.

Q Are there any fees?
A Once your ANZ Home loan has been approved by ANZ, certain fees could be charged such as: a Loan Approval Valuation Fee to inspect the property and a Notary Public Fee. Ask ANZ for details.

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