Buying your next home?
See our home loan tools, articles and resources to help you explore your home loan options. We'll help you get to a good place.
Buying your next home?
See our home loan tools, articles and resources to help you explore your home loan options. We'll help you get to a good place.
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Buy and sell with confidence with our free comprehensive property reports. Find out sales and rental history, property price range estimatesdisclaimer, suburb insights, estimated total equitydisclaimer and useable equitydisclaimer if you choose an ANZ Property Profile and Equity Report and more.
Enter property details, select report type, submit form and your report will be emailed to you in minutes.
See sample property sales report (PDF)
See sample property equity report (PDF)
Our ANZ Home Loan Specialists can help you with a whole range of things, such as:
Get support in a number of ways:
Provide your details and one of our Home Loan Specialists will contact you via phone or email.
Response time is 1-3 days.
Discuss your needs with one of our home loan specialists over the phone or at your nearest branch.
With extended hours, you can get in touch with someone quickly.
Monday-Friday 8am-8pm (Sydney/Melbourne time)
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.
Kick things off online and an ANZ Home Loan Specialist will contact you to help with the remainder of the application process.
You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.
Your 16-page ANZ Property Profile Sales Report includes:
Your 19-page ANZ Property Profile and Equity Report includes:
ANZ Property Profile Reports provide a price range estimatedisclaimersourced from PropTrack Pty Ltd. These estimates:
The price range estimate is calculated by PropTrack fluid models. It’s different to a valuation and it’s important to understand the differences before you make an offer.
The property price range estimate in an ANZ Property Profile Report is:
The PropTrack estimate is based on many variables as mentioned in the ANZ Property Profile Report, which includes available public sales history and features such as property location, including proximity to services (e.g. train lines); property attributes, including bedrooms, bathrooms, parking, land size etc.; and property features, such as balcony, pool and timber floor.
PropTrack price range estimatesdisclaimerin an ANZ Property Profile Report use fluid models, which means estimates are updated or removed when relevant.
For example, a PropTrack price range estimate might change over the course of a 6week campaign, as market data changes (e.g. local sales history).
On occasion we are unable to provide a market price range estimate for a property. There are a few reasons why this may be the case, including insufficient data available for the property or lack of comparable sales in the surrounding area.
When this occurs both the ANZ Property Profile Sales Report and ANZ Property Profile and Equity Report are still generated for that address, providing property and suburb insights.
Equity in your home is calculated as the difference between the value of your property and how much you owe (outstanding loan balance, inclusive of any redraw amount) on your home loan at the time the calculation is performed. As a homeowner, you could build up equity in your home over time, when you pay down your home loan and if the value of your property grows.
By way of example: If your property is worth $500,000 dollars, and you still owe $300,000 dollars on your home loan, you would have $200,000 dollars in equity at that point in time. You may be able to use some of this equity as a deposit to borrow money to pay for your next home move, whether that is renovating, building a home or buying your next home.
You could use some of the estimated total equity in your property to borrow money to fund your next home move. The amount you could borrow, also known as ‘useable equity’ is generally 80% of the estimated property value, minus loan balance (inclusive of any redraw amount). You could potentially borrow more than 80%, however in such a scenario you may need to take out Lenders Mortgage Insurance (LMI). For example, $800,000 estimated property value x 80% minus $400,000 loan balance (including redraw) = $240,000 useable equity.
An increase in your home loan may impact your mortgage repayments and the amount of interest you pay on your home loan. You can estimate your repayments or speak to an ANZ Home Loan Specialist to find out whether this is possible for you and what your repayments could be, if you wish to access the useable equity that may be available to you.
If you are an existing ANZ home loan customer, you could extend finance on your existing home loan to access equity. If you have your home loan elsewhere, you could refinance over to ANZ. An increase in your home loan may impact your mortgage repayments and the amount of interest you pay on your loan. You should make your own enquiries and obtain independent financial and legal advice before deciding whether to use your equity to invest in property, renovate or deciding the price you are willing to pay for a property.
To estimate the value of your property, you may want to consider factors including:
To know how much equity you have in your home at a point in time, subtract what you currently owe on your home loan (being the outstanding loan balance, inclusive of any redraw amount) from your bank's current valuation of the property.
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) before acquiring any product.
Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply. Australian credit licence number 234527.
Price predictions contained in the ANZ Property Profile Reports are based on a range of data sources which are subject to their availability at the time of publication.
A price range estimate is an estimate only. It is based on certain available information provided when ordering a Property Profile Report. It is not a valuation of the property or a guarantee of its market value or future sale price. Price range estimates may change daily and the actual sale price (if the property is sold) may be different.
ReturnEstimated total equity is considered as the difference between your estimated property value and your home loan balance at the time the calculation is performed. In an ANZ Property Profile and Equity Report it is calculated at each of the lower, midpoint and higher price range estimate points, less the loan balance figure.
ReturnANZ defines useable equity as 80% of the estimated property value, minus loan balance (inclusive of any redraw amount).
ReturnANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.
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