If you want to borrow for business purposes, the ANZ Home Loan is available as a floating or fixed interest rate loan, secured against your home or other residential property. If you wish to combine the flexibility of a floating rate for some of your loan with some fixed rate protection against interest rate fluctuations, we can arrange to split your loan.

ANZ also offers a business line of credit secured by residential property.

Product information

Application fee
Up to $500 for owner-occupied property. Up to 1% of loan amount for all other lending (minimum $250 for ANZ Business, Commercial and Agri Loans).
Loan Top Up fee
$250 for ANZ Home Loans. Up to 1% of loan amount (minimum $250) for ANZ Business, Commercial and Agri Loans.
Interest only
Available for up to 10 years. Conditions apply and subject to approval.
Payments can be made weekly, fortnightly or monthly.
Lump sum
On a floating rate loan, lump sums may be paid at any time without charge. Fees may apply to lump sum payments on fixed rate loans.
Loan term
Up to 25 years
Minimum loan amount
Maximum loan amount
You can apply for a limit of up to 95% of the value of the secured residential property. A low equity premium may apply where a loan amounts to over 80% of the property's value.
Detailed account statements are issued six monthly.
First registered mortgage over your home or other residential property is required.
Additional features
  • Available as fixed interest rates, floating rate, or in combination
  • Interest rates closely aligned to home loan interest rates
  • Interest only repayment options
  • View current interest rates

How to apply

For more information or to apply for an ANZ Home Loan, contact an ANZ Business Specialist:

Call us
Call 0800 269 249

ANZ lending criteria and fees apply to ANZ Home Loans and ANZ Business Flexible Facility.