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Home loans for business owners
If you're self employed, and in the market for a home loan, or you want to restructure or refinance an existing loan, we’re here to help. By taking out a self employed home loan with ANZ you’ll benefit from:
Home loan specialists who know business
Simplified options for proof of income
Home loan policies and processes designed for business owners like you
Understanding home loans for business owners
Our home loan specialists understand the needs of self employed business owners and are here to guide you through your home loan application.
Home loan specialists who know business
Our home loan specialists understand self-employed income and business structures inside out. They take the time to get to know your unique business situation and will support you through every stage of preparing for and applying for a loan.
Streamlined income verification
If you’re self-employed and pay yourself a regular company wage, you may be eligible for our streamlined self-employed income verification policy.
Less paperwork
To understand your income, for most applications we ask for one financial year’s worth of tax statements and in some cases, business financial statements. Your tax statements need to be your most recently lodged records, which can include your statements from the prior financial year.disclaimer
The information on this page does not apply to ANZ Plus products
$2,000 cashback when you refinance an eligible home loan
Get $2,000 cashback when borrowing 80% or less of the property valuedisclaimer
On eligible loans of $250,000 or more refinanced to ANZ (including any new lending as part of the refinance). See terms and conditionsdisclaimerbelow.
Designed for business owners, our streamlined self-employed income verification policy makes it easy for you to verify your income.
You may be eligible for this simple option if:
- You’re a self-employed director and shareholder of your company
- You’ve been paying yourself a regular company wage for at least 6 months.
If eligible, all you need to apply is:
A valid ABN/ACN which has been registered for 18 months
One pay slip dated within 60 days
Your most recent ATO income statement showing your year-to-date salary. If this statement shows less than 6 months of salary you will also need to provide the previous year’s income statement.
In some instances, further information may be required, like your individual tax return and Notice of Assessment (NOA) from the ATO. Chat to our home loan team to find out more.
Trustee as an individual or Company |
Company |
Partnership |
Sole trader |
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Individual tax return and individual notice of assessment (NOA) from ATO from the same tax year. |
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Business tax return |
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Required where you have 25% or more of the company |
Required when you have 25% or more of the partnership |
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Business financial statements (profit and loss statement and balance sheet) |
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Required where you have 25% or more of the company |
In some situations, further documentation may be required. If this is the case, your home loan specialist will let you know.
If you own less than 25% of the company or partnership, you’re still considered to be self-employed for the purposes of the application and need to provide your individual tax return and ATO notice of assessment. You’ll also need to have an ABN or ACN which has been valid for 18 months.
If you’re taking director’s fees or company dividends as income, your ABN or ACN needs to be valid for two years.
Home loan for business owners offers
Do you work in a legal, medical or accounting profession?
You may be eligible for a lenders mortgage insurance (LMI) waiver on loans with a loan to value ratio (LVR) of up to 95%.
Need a business loan too?
If you need a business loan as well as home loan, there may be advantages in doing a dual home and business loan application. Chat with a business-focused home loan expert about your options.
With our simpler home loans you only pay for the extras you want and won't pay any ongoing feesdisclaimer on your home loan. Choose the fixed or variable home loan that suits you.
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A home to live in
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A residential investment property
Basic variable
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Principal & interest |
Comparison |
Interest rate with special offer discountdisclaimerwhen borrowing 60% or less of the property value.disclaimer
Get a competitive interest rate and basic features (no offset).
ANZ Simplicity Plus
Standard variable with optional offsetdisclaimer
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Principal & interest |
Comparison ratedisclaimer |
Discounted standard variable rate when borrowing 80% or less of the property value.disclaimer
Can I go lower?
Talk to us to find out if a further discount could apply to your standard variable rate, depending on your situation.
ANZ Standard Variable
Fixed rate
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Principal & interest |
Comparison ratedisclaimer |
Discounted 2 year fixed rate when borrowing 80% or less of the property value.disclaimer
Choose from 1, 2, 3, 4, 5, 7 and 10 year fixed rate terms.
ANZ Fixed Rate
Connect with our home loan specialists who know business
We’re here to help
Our home loan experts can help you with pre-approval, a new home loan, refinancing or topping up your existing home loan.
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.
Other home loan fees including Late Payment Fee, Lock Rate Fee, Early Repayment Cost (Fixed Rate Loans) and ANZ Equity Manager facility fee still apply. Loan security fees including Lodgement Fee, Production Fee, Settlement Fee and Search Fee still apply however will not be charged on establishment of a loan. Government fees and charges (including government search fees and stamp duty) may still apply.
ReturnEligibility criteria applies to the Special Offer discount for ANZ Simplicity PLUS, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.
ReturnWhile your tax statements need to be your most recently lodged records, they can be up to 22.5 months old from the date of your application with a cut-off date each year of 15 May. For example, up until 15 May 2023, if you don't have your 2021/22 tax statements available, you can use your lodged tax documents from the 2020/21 financial year.
ReturnProperty value is ANZ's valuation of the security property and may be different to the price you pay for a property.
ReturnOffer can be withdrawn at any time. Limit of one cashback within any 12 month period. Offer is $2,000 cashback with 80.00% LVR or less, loans with LVR above 80% are not eligible for cashback. Paid within 60 days to an eligible ANZ account. You must drawdown the Eligible ANZ Home Loan(s) within 120 days from applying. See the full Terms and Conditions (PDF) for this offer. Fees, charges, eligibility criteria apply.
ReturnThe rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount for loans with a Loan to Value Ratio of 60% or less. 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.
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.
ReturnA $10 servicing fee applies per month per ANZ One offset account. Please refer to ANZ Personal Banking Account Fees and Charges (PDF) for fees and charges that apply.
ReturnThe interest rate shown includes an interest rate discount from the index rate. 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.
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 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.
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