Simpler home loans.
What a feeling.
We’ve simplified our home loans and dropped bundled packages.
No more packages. No annual package fee. Same great rates.
Home loans for business owners
If you’re operating your business as a sole trader, partnership, company or a trust and looking to buy a home or switch your loan, we can help you get on top with home loans for business owners.
Talk to a Home Loan Specialist today
As a self-employed customer you're offered the same interest rates and features as customers earning a salary. And the same criteria is used to determine how much you can borrow and the deposit you need.
The big difference if you’re self-employed is how you demonstrate your taxable income. Our specialists will help you understand your business cash flow, taxable income, and what other information you need to have ready to apply for a home loan.
It's a good idea to have these things ready:
- Any tax return, notice of tax assessment, profit and loss statement, and balance sheet for your business covering the last 12 months;
- The last 12 months of personal tax returns; and
- Proof that your ABN has been registered for at least two years.
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A home to live in
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A residential investment property
Flexibility with plenty of features
ANZ Standard Variable
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Principal and interest |
Comparison ratedisclaimer |
Discounted standard variable rate when borrowing 80% or less of the property value.disclaimer
- Make extra repayments any time
- Redrawdisclaimeravailable funds (if you make extra repayments)
- Save on interest with an offset account ($10 a month)disclaimer
The certainty of fixed repayments
ANZ Fixed Rate
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Principal and interest |
Comparison ratedisclaimer |
Discounted 2 year fixed rate when borrowing 80% or less of the property value.disclaimer
- Your interest rate won't change during the fixed period
- Choose from 1, 2, 3, 4, 5, 7 and 10 year fixed rate termsdisclaimer
Keep it simple with basic features
ANZ Simplicity PLUS
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Principal and interest |
Comparison ratedisclaimer |
Interest rate with special offer discountdisclaimer when borrowing 80% or less of the property value.disclaimer
- Competitive variable interest rates
- Make extra repayments any time
- Redrawdisclaimer available funds (if you make extra repayments)
Home Loan Deposit Calculator
Estimate how much you’ll have for a deposit once upfront costs are deducted.
Borrowing Power Calculator
Get a quick estimate on how much you may be able to borrow based on your current income and existing financial commitments.
Repayments Calculator
Our repayments calculator can give you an estimate of your potential loan repayments.
Know how much a property could sell for
Request a free ANZ Property Profile Report and you’ll have essential information about a property in your hands. With a host of interesting facts and figures on the property, you'll know if the open for inspection is worth the trip.
The property report includes:
- Prediction from Australia’s most accurate free property price predictordisclaimer
- Comparable sales results in the area
- Sales and rental listings in the area
- Interesting suburb insights and trends
- Any recent sales history of the property
The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF) before acquiring any product.
Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply. Australian credit licence number 234527.
The interest rate shown includes an interest rate discount from the index rate and applies to home loan applications or renewals submitted on and from 19 March 2022. For ANZ Standard Variable, this discount is for loans with a Loan to Value Ratio (LVR) of greater than 80% and for loans with a LVR 80% or less. For ANZ Fixed, this discount is for loans with a LVR greater than 80% and for loans with a LVR 80% or less. This interest rate discount is not available for eligible loans linked to an existing Breakfree Package. Eligible loans linked to the Breakfree Package will receive an interest rate discount under the Breakfree Package. To view rates that apply to loans linked to the ANZ Breakfree Package and for more information, see here.
ReturnComparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including any applicable interest rate discounts. These rates are for secured loans only.
WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
For interest only variable loans, the comparison rates are based on an initial 5 year interest only term. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.
ReturnProperty value is ANZ's valuation of the security property and may be different to the price you pay for a property.
ReturnTerms and Conditions and eligibility criteria apply to ANZ Redraw. ANZ Redraw is not available on loans in a company name. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF 412kB).
ReturnPlease refer to ANZ Personal Banking Account Fees and Charges (PDF 100kB) for fees and charges that apply.
ReturnRates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan.
ReturnComparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including any applicable interest rate discounts. These rates are for secured loans only.
WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Fixed home loans aren’t for everyone and early repayment costs may apply if you repay your loan or switch to another one before the end of your fixed term or make early or additional repayments. Once the fixed rate period ends, the loan reverts to a variable rate loan and repayment amounts will change. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.
ReturnThe rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.
ReturnThe rate shown is the Simplicity PLUS Residential Investment Property Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.
ReturnRates shown apply during the interest only period of your loan. Choose from 1-5 year interest only terms for owner occupied on an ANZ Standard Variable (Land Loan up to three years) and ANZ Fixed (Land Loan up to three years) and choose from 1-5, 7 and 10 year interest only terms for residential investments on an ANZ Standard Variable (Land Loan up to one year), ANZ Fixed (Land Loan up to one year) and ANZ Simplicity PLUS. If you choose to make interest only payments on ANZ Fixed, your fixed period and interest only period will be the same. After the interest only period, your rate will switch to the applicable variable rate for a principal and interest loan. At the end of the interest only period, minimum repayment amounts may increase to cover principal and interest. Interest only loans are not for everyone and you should consider if this is the right strategy for you.
ReturnProperty price information in an ANZ Property Profile Report is an estimate (not a valuation), may not be available for all properties, is for personal domestic use only and may change daily. Actual sale prices may differ. The report is not personal advice and ANZ takes no responsibility for any error or omission.
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