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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. 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

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.
Repayments

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

$5,000

Maximum loan amount

You can apply for a limit of up to 90% 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.

Statements

Detailed account statements are issued six monthly.

Security

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

Online

Enquire online

Fill in our enquiry form and we'll contact you

  

Phone

0800 269 249

+64 9 523 7220

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

  

Branch

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.