Home Loan Planner Calculator

Calculate the best way to structure your mortgage.

You can also work out how much you can borrow, what your repayments would be, or how much it will cost to move house or renovate. Or view all our Mortgage Calculators.

Loan Details

Initial Deposit

The Initial Deposit is auto calculated to produce a Loan to Value Ratio of 95%. Please edit this value to suit your situation. Note: When the amount you are borrowing is over 85% of the property’s value, a Low Equity Premium may apply.

Purchase Price


Loan to Value(ation) Ratio or LVR is the Loan Amount you may be able to borrow divided by the Purchase Price (valuation) of a Property. The balance is your Initial Deposit or Equity in the Property.

Your LVR

The  Loan Amount is $.


Are you an existing customer of the bank?

Are you planning to sell your house within the next 12 months?

Are you expecting a change in your circumstances that is likely to reduce your income?

i.e starting a family; changing employment

Do you get paid regular commission and or bonuses?

In any one year, are you expecting to repay greater than 5% of the balance of your loan, over and above your regular repayments?

Is certainty of repayments a key consideration for you?

Is this your first home?

Do you have any major expenses within the next 12 months?

i.e. start renovations; purchase new furniture or a new motor vehicle; take a holiday; have a large expense coming up e.g. Income Tax?

Do you regularly follow financial markets and/or intend to actively manage your home lending?

Talk to a home loan specialist.

They can help you with how to structure your loan.

Call 0800 269 4663 Let us call you back Visit an ANZ branch

Or alternatively,

Start the home loan process online

Start your application