skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

ANZ Business Home Loan

If you want to borrow for business purposes, the ANZ Business Home Loan is available as a floating or fixed interest rate loan, secured against your home or other residential property.



Your choice of loan type

With a floating-rate loan, you can make lump sum payments at any time for no fee (fees may apply to lump sum payments on fixed-rate loans).

Get protection against interest rate fluctuations with a fixed-rate loan.

If you want the best of both, we can arrange to split your loan.


Choose to make repayments weekly, fortnightly or monthly.

Rates and fees


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.

See Home loan rates, fees and agreements for the full list of rates and fees.

Product information

  • Loan term: Up to 30 years.
  • Minimum loan amount: $5,000
  • Maximum loan amount: You can apply for a limit of up to 80% 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.
  • Security: First registered mortgage over your home or other residential property is required.

Interest-only payments

Subject to approval, conditions apply.

  • Available for up to two years for lending on owner occupied property.
  • Available for up to five years for lending on residential investment lending.

How to apply

Call us

General business enquiries

7 days a week, 6am - midnight

Business specialists available

Weekdays, 8am - 7pm

Weekends, 9am - 5pm

0800 269 249

From overseas: +64 9 523 7220

Visit us

Find your local branch and make an appointment to talk to a business specialist.

Find a branch

Related products 

ANZ Business Flexible Facility

The working capital solution that is more flexible than a term loan and could be more cost-effective than an overdraft.

ANZ Business Flexible Facility 

ANZ Business Current account

This everyday business account gives you easy access to your money.

ANZ Business Current account 

ANZ Business overdraft

Get flexible credit for your daily cash flow needs with an overdraft that is linked to your business transaction account.

ANZ Business overdraft 

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

Details subject to change.

Our financial advice provider statement has some important information you should know about ANZ and our financial advice services. Please take the time to read it.