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

Fee plans

A choice of two transaction fee plans gives you control over the fees* you pay.  Talk to your Business Banking Manager to work out the best option for you; if you make more than 30 transactions a month, Smart Plan could be the smart option.

Choose from:

Pay As You Go – great for smaller business or if you don’t make many transactions over the month:

  • $4.00 monthly account fee (waived if your average daily balance for the month is $10,000 or more)
  • $0.25 for each automated transaction**
  • $0.65 for each manual transaction^.


Smart Plan – ideal for larger businesses or if you make lots of transactions:

  • $10.00 monthly account fee
  • your first 50 automated transaction** fees are waived each month, then $0.15 for every additional automated transaction
  • $0.55 for each manual transaction^.

Service charges

Service charges apply when a specific service is used, for more information:

Application fee

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

Monthly overdraft management fee

0.50% per annum (0.0416% per month) calculated as a percentage of the credit limit.

Loan top-up fee

$250 for ANZ Home Loans. Up to 1% of loan amount (minimum $250) for ANZ Business, Commercial and Agri Loans.


Detailed account statements are issued monthly.

Debit interest

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

Credit limit

You can apply for a limit of up to 80% of the value of the secured residential property. There is no minimum limit.


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

background image

For more information or to apply



Enquire online

Fill in our enquiry form and
we'll contact you



0800 269 249

+64 9 523 7220

Business Specialists available
Mon-Fri 8am-6pm (NZT)



Find a branch

Find your local branch and talk
to a Business Specialist

Related products

ANZ Business Current Account

The everyday business account.

Learn more

ANZ Business Current Account


ANZ Business Start-up Package

If your business is less than two years old, pay no transaction or monthly account fees on your ANZ Business Current Account for the first 12 months***, amongst other banking benefits.

Learn more

ANZ Business Start-up Package


ANZ Business Overdraft

Flexible credit for your daily cash flow needs.

Learn more

ANZ Business Overdraft

important info icon  Important information

*Fees are subject to change.

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

***Eligibility, lending criteria, terms, conditions and fees apply.

^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). Deposits made through an ANZ Fast Deposit Box are charged as staff-assisted transactions.

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