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ANZ Business Flexible Facility

The ANZ Business Flexible Facility provides your business with a line of credit and the convenience of a current account. Because your credit is secured against your home or other residential property, the rate of interest charged is closely aligned to home loan interest rates. This can make it a cost effective way to cover short-term business funding needs.

ANZ also offers home loans secured by residential property.

Product information

Product information
Monthly account and transaction fees

$12.50 monthly feedisclaimer, with no charge per automateddisclaimer or manualdisclaimer transaction

Service charges

Service charges apply when a specific service is used:

account transaction charges
business account service charges

 

Access

You can access funds as required via:

ANZ Direct Online
ANZ Internet Banking
ANZ Phone Banking
ANZ branches and ATMs
EFTPOS

Application fee

Up to 1% of loan amount with a minimum of $250

Monthly overdraft management fee

0.50% p.a. calculated and charged monthly as a percentage of the highest agreed flexi limit during that month (minimum $5 a month)

Debit interest

Interest is calculated daily on the outstanding amount only. Floating interest rates apply.

Statements

Detailed account statements are issued monthly.

Credit limit

Maximum and minimum credit limits may apply in ANZ’s discretion

Security

First registered mortgage over your home or other residential property is required.

Additional features
  • Revolving credit to draw against as required
  • Interest rates closely aligned to home loan interest rates
  • Interest charged only on the credit you use
  • No fixed or minimum repayments.
  • View current interest rates

For more information or to apply

Online

Enquire online

Fill in our enquiry form and we'll contact you

  

Phone

Business - 0800 269 249

Intl: +64 9 523 7220

General Business enquiries
6am -12 midnight (NZT), 7 days a week

Business Specialists available
Weekdays, 8am - 7pm (NZT)
Weekends, 9am - 5pm (NZT)

Commercial - 0800 212 269

Intl: +64 4 470 7768

Weekdays, 7am - 7pm (NZT)
Weekends, 9am - 5pm (NZT)

  

Branch

Find a branch

Find your local branch and talk to a Business Specialist

  

Related products

ANZ Business Current Account

The everyday business account.

ANZ Business Start-up Package

If you’re in your first two years of business, you could apply for an ANZ Business Start-up Package and save on fees on an ANZ Business Current Account and an ANZ Business Flexible Facility for the first 12 monthsdisclaimer.


ANZ Business Overdraft

Flexible credit for your daily cash flow needs.

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

Fees are subject to change. Service charges may apply. For full details refer to the ANZ Fees and Charges brochure.

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Automated transactions include EFTPOS, Visa Debit, ATM, and mobile wallet transactions, as well as all electronic payments and other transactions made using ANZ Internet Banking, goMoney, Phone Banking, and ANZ Direct Online. 

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Manual transactions include cheques and transactions handled by our staff for you, including at a branch, by phone, or online. Balances and basic account enquiries at a branch are free. We process any deposits received through ANZ Fast Deposit Boxes as staff-assisted, manual transactions.

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Package eligibility and terms and conditions apply. Package details are subject to change. Lending criteria, terms and conditions and fees apply to all lending facilities. Service fees may apply. See anz.co.nz/startup-package for full details.

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