Lender guide · ANZ home loans · Sydney
ANZ Home Loans via a Sydney Broker
For most self-employed applications, ANZ asks for one year of tax returns, where many lenders want two. I help Sydney buyers, refinancers and investors apply with ANZ after checking it against other lenders. ANZ is strong for professionals who want to skip LMI, self-employed borrowers and first home buyers, and strict on small units, company or trust borrowers and non-residents.
Who ANZ tends to suit
ANZ is a big lender with a few real strengths. These are the ones I see most often with Sydney clients.
Lawyers, accountants and medical professionals. ANZ says people in these fields may be eligible for an LMI waiver. That can let you borrow above 80% of the value without paying Lenders Mortgage Insurance (LMI). You apply for it when you lodge, and the rules on your profession and deposit are specific. LMI explained →
Self-employed with one year of returns. For most applications ANZ asks for one financial year of tax return and notice of assessment, where many lenders want two. If you own 25% or more of a company or business, expect to supply business financials too. Self-employed home loans →
5% deposit buyers. ANZ takes part in the government's 5% Deposit Scheme. If you're eligible, you can buy with 5% down and no LMI. First home buyer help →
Borrowers holding cash savings. ANZ offers an offset account on its standard variable loan. There's a monthly fee for each offset account, so it's worth checking your savings balance makes it pay. Offset vs redraw →
Where ANZ is strict
Small units. Under 50 square metres (balcony and car space excluded), ANZ adds extra checks, and under 40 it's harder again. Apartment loan traps →
Companies and trusts. Since May 2026, ANZ has limited new home loans in a company or trust name to eligible existing ANZ customers. If you plan to buy through a company, it's often not the place to start.
Temporary visas and non-residents. ANZ generally doesn't lend to non-residents. It can lend to some temporary visa holders, but without LMI, so you'd need a deposit of at least 20%.
How using a broker works with ANZ
I'm not on ANZ's payroll. ANZ is one of the lenders I weigh up for you, and if it fits, I prepare and lodge the application, chase its assessors and stay with you through to settlement.
If ANZ looks like the right fit, I can also ask its pricing team for a sharper deal. Rates change often, so I don't list them here. Ask me for today's pricing.
What it costs you
Nothing out of your pocket for my help. The lender pays me: an upfront commission at settlement and a smaller trail while the loan runs, and I'll explain how it works on your loan. ANZ's own loan fees, government charges and any LMI still apply, and you'll see them before you sign.
Work out your numbers first: Borrowing power calculator → · Repayment calculator →
ANZ home loan questions
Do I pay more if I come to ANZ through a broker?
Not for my help, which is free to you. ANZ sets its own pricing either way. Through me, ANZ gets a pricing request on your file, and you see how its offer compares with other lenders before you sign.
Can you help if my loan is already with ANZ?
Yes. I can ask ANZ to look at your current rate and show you what other lenders would offer. You're not locked in, and you don't have to move.
How long does ANZ take to approve a home loan?
Plan on 2 to 3 business days for a first assessment. On 12 November 2026, ANZ's published broker guide said 2 days for a simple loan with no LMI, and 3 days for loans with LMI, self-employed or complex ones, once every document is in. The tracker I use showed 3 days for the initial assessment (2 for PAYG loans with no LMI), and about 4 days for the final assessment.
This is general information only, not personal financial advice. Lender policy changes from time to time, so check with me before relying on any of it. Bridge Finance is a mortgage broker and is not affiliated with or endorsed by ANZ. Lender names are trademarks of their owners.
See how ANZ stacks up before you apply.
Book a free 30-minute chat. I'll go through your income, deposit and plans, see how ANZ's rules treat them, and line ANZ up against other lenders. No cost, no obligation.
Serving Sydney: Burwood · Strathfield · Parramatta · Chatswood · Epping · Macquarie Park · Meadowbank · North Ryde · Rhodes · Ryde
Free property price guides: OfferGuide
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