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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. 

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Product information

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 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

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


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.

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ANZ Business Current Account

The everyday business account.

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ANZ Business Overdraft

Flexible credit for your daily cash flow needs.

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