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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.

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Product information

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, 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 and 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

Please talk to an ANZ Business Specialist

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 statements 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

For more information or to apply

Contact us online

Enquire online

Fill in our enquiry form and we'll contact you


Call a business specialist

Business - 0800 269 249

International: +64 9 523 7220

General business enquiries
6am -12 midnight, 7 days a week

Business specialists available
Weekdays, 8am - 7pm
Weekends, 9am - 5pm

Commercial - 0800 212 269

International: +64 4 470 7768

Weekdays, 7am - 7pm
Weekends, 9am - 5pm



Find a branch

Find your local branch and talk to a Business Specialist


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Eligibility, lending criteria, terms, conditions and fees apply. Details are subject to change.