ANZ Home Loan for business

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

If you wish to combine the flexibility of a floating rate for some of your loan with some fixed rate protection against interest rate fluctuations, we can arrange to split your loan.

ANZ also offers a business line of credit secured by residential property.

Product information

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.

Interest-only payments

Conditions apply and subject to approval.

  • Available for up to 5 years for lending on owner occupied property.
  • Available for up to 10 years for lending on residential investment lending.


Payments can be made weekly, fortnightly or monthly.

Lump-sum repayments

On a floating 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 25 years

Minimum loan amount


Maximum loan amount

You can apply for a limit of up to 95% 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.


Detailed account statements are issued six monthly.


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

Additional features

  • Available as fixed interest rates, floating rate, or in combination
  • Interest rates closely aligned to home loan interest rates
  • Interest-only repayment options
  • View current interest rates

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For more information or to apply



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0800 269 249

+64 9 523 7220

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



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important info icon  Important information

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