ANZ Commercial Loan

An ANZ Commercial Loan gives businesses the opportunity of a long-term investment in their future. It is a cost-effective way to invest in commercial property, using the property as security for the loan.

Product information

Loan approval fee

1% of the loan amount with a minimum fee of $250.

Switching fee

A $250 switching fee may be payable any time you choose to switch from a variable rate loan to a fixed rate loan, or vice versa.

Early repayment fees may also apply if you switch from a fixed to a variable interest rate.

Loan top-up fee

Up to 1% of the increased loan amount (minimum $250).

Interest-only repayments

Available for up to five years. Conditions apply, subject to approval.


Payments can be made weekly, fortnightly, monthly or quarterly.

Lump-sum repayments

On a variable 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 15 years depending on security type.

Minimum loan amount


Maximum loan amount

The maximum value of the loan can vary depending on the security available and structure of the lending, subject to ANZ lending criteria.


Detailed account statements are issued six monthly (other statement frequencies available on request).


Commercial property acts as security for the loan. Commercial property security must comply with all relevant building codes and the Resource Management Act.

Additional features

  • Available as fixed interest rates, variable rate, or in combination
  • Use the property you purchase for security
  • Interest-only repayment options.


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For more information or to apply



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+64 9 523 7220

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



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important info icon  Important information

Lending and eligibility criteria, fees, terms and conditions apply.