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Home loan borrowing power calculator
Use our borrowing power calculator to get a quick estimate on how much you may be able to borrow based on your current income and existing financial commitments.
Take the first step towards applying for pre-approval by speaking to a specialistdisclaimer.
Provide us with your details and one of our home loan specialists will get in touch. Call back time is 1 – 3 business days.
Home Loan Borrowing Power Calculator
Your details
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We estimate you could borrow:
$0What's next?
In under 5 minutes, you can get your application started for pre-approvaldisclaimer, a new home loan, refinancing, or topping up your existing home loan.
Tell us a bit about yourself and the loan you'd like, then we'll call you back within 24-48 hours to help keep your application moving.
The information on this page does not apply to ANZ Plus products
Featured rate
2 year fixed rate
Interest ratedisclaimerdisclaimer |
Discounted 2 year fixed rate when borrowing 80% or less of the property valuedisclaimeron owner occupied home loan with principal and interest repayments.
Connect with our home loan specialists or apply
Our ANZ Home Loan Specialists can help you with a whole range of things, such as:
- Applying for a new home loan
- Refinancing a home loan
- Managing your existing loan
- Helping you understand your ANZ Home Loan options so you can make your next move with confidence
Get support in a number of ways:
Let us come back to you
Provide your details and one of our Home Loan Specialists will contact you via phone or email.
Response time is 1-3 days.
Make an appointment
Chat with one of our home loan specialists by phone, video call or in person at your nearest branch.
Call us now
With extended hours, you can get in touch with someone quickly.
Monday-Friday 8am-7pm (Sydney/Melbourne time)
Meet with an ANZ Mobile Lenderdisclaimer
ANZ Mobile Lenders will go the extra mile with the experience and knowledge to navigate all ANZ home loans. Enjoy the convenience of meeting wherever and whenever suits you best. ANZ Mobile Lenders are dedicated ANZ Home Loan Specialists who can provide personalised service where and when it suits you.
Start your application online
Kick things off online and an ANZ Home Loan Specialist will contact you to help with the remainder of the application process.
Talk to your broker
You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.
The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF 150kB) before acquiring any product.
Applications for credit are subject to ANZ credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence 234527.
The estimate is based on the accuracy of the information provided. It is also based on a loan term of 30 years, payment type principal and interest and either an ANZ Simplicity PLUS rate for home loans or an ANZ Simplicity PLUS rate for residential investment property loan depending on the type of property you have selected. Rates include any special offer discount available on eligible loans (discounts and eligibility criteria subject to change). Eligibility criteria apply to special offer discounts for ANZ Simplicity PLUS home loans, including $50,000 or more in new or additional lending. Offer can be withdrawn or changed anytime. The estimate might be different if payment type is interest only or if a different interest rate discount applies. It does not constitute an offer of credit. To apply for an ANZ Home Loan you must complete an application. All applications for credit are subject to ANZ credit approval criteria. ANZ does not store the information you provided to generate this document.
The calculation of estimated maximum home loan borrowing power excludes Lenders Mortgage Insurance. The value of the security property is also considered in any credit assessment criteria.
Minimum loan amounts apply to different loan types. For more information, visit anz.com or contact us.
ANZ may provide pre-approval (also known as approval in principle or conditional approval) to eligible customers who apply for an ANZ home loan and complete an application form and satisfy any other applicable requirements. Pre-approval is an approval for a loan subject to conditions being met, including that security is satisfactory to ANZ. Australian Credit Licence 234527.
ReturnThe interest rate shown includes any applicable interest rate discount from the index rate. For ANZ Standard Variable, the interest rate discount is for loans with a Loan to Value Ratio (LVR) of greater than 80% and for loans with a LVR 80% or less. For applications submitted from 28 October 2024 for ANZ Fixed, there is no interest rate discount for loans with a LVR of greater than 80% and the interest rate discount is for loans with a LVR of 80% or less.
ReturnRates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan.
ReturnInterest rates shown on this page are current as at and are subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF), ANZ Personal Banking General Fees and Charges (PDF) and your letter of offer.
ReturnComparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including any applicable interest rate discounts. These rates are for secured loans only.
WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
For interest only variable loans, the comparison rates are based on an initial 5 year interest only term. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.
ReturnFor ANZ home loans: Other home loan fees including Late Payment Fee, Lock Rate Fee, Early Repayment Cost (Fixed Rate Loans) and ANZ Equity Manager facility fee still apply. Loan security fees including Lodgement Fee, Production Fee, Settlement Fee and Search Fee still apply however will not be charged on establishment of a loan. Government fees and charges (including government search fees and stamp duty) may still apply.
ReturnANZ Mobile Lending representatives operate as ANZ Mortgage Solutions, an independently operated franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 Australian credit licence 234527.
ReturnThe rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.
ReturnProperty value is ANZ's valuation of the security property and may be different to the price you pay for a property.
Return