skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

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.

Product information

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 2 years for lending on owner occupied property.
  • Available for up to 5 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 30 years

Minimum loan amount


Maximum loan amount

You can apply for a limit of up to 80% 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

For more information or to apply


Enquire online

Fill in our enquiry form and we'll contact you



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)



Find a branch

Find your local branch and talk to a Business Specialist


Related products

ANZ Business Flexible Facility

The ANZ Business Flexible Facility provides your business with a line of credit and the convenience of a current account.

ANZ Business Current Account

The everyday business account.

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.