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

Home loans for business owners

Whether you’re set up as a sole trader, company, partnership or trust and you’re looking to buy, restructure or refinance, we’ll find the right home loan solution for you. By taking out a home loan with ANZ, you’ll benefit from:
 

Discounted rates upfrontdisclaimer& and no ongoing feesdisclaimer

 

Home loan specialists who know business

 

Simplified options for proof of income

 

Request a call back

$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.

Learn more

 

Home loans for business owners

We’ve listened to the needs of business owners and have home loan specialists who can guide you through your home loan application.

Home loan specialists who know business

Our home loan specialists for business owners are experts in understanding self-employed income and business structures. Your specialist will guide you through the application process.

Request a call back

Streamlined income verification

If you’re self-employed and pay yourself a regular company wage, you may be eligible for our streamlined self-employed application.

See Streamlined applications

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 as well. Your tax statements need to be your most recently lodged records, which can include your statements from the prior financial year.disclaimer

See Demonstrating your income

The information on this page does not apply to ANZ Plus products

Streamlined self-employed income verification

If you’re a director and shareholder of your company and have been paying yourself a regular company wage for at least six months our streamlined self-employed verification process may be suitable for you.

If eligible, all you’ll need to apply:

  • A valid ABN/ACN which has been registered for 18 months
  • One payslip dated within 60 days
  • Your most recent ATO income statement showing your year-to-date salary. If this statement shows less than six 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.
 

Request a call back

What financials do I need to provide to demonstrate my income?

If you’re self-employed and pay yourself a regular company wage, our streamlined income verification process may be suitable for you. See streamlined income verification

Table Variation

 

Trustee as an individual or Company

Company

Partnership

Sole trader

Individual tax return and individual notice of assessment (NOA) from ATO from the same tax year.

Business tax return

Required where you have 25% or more of the company

Required when you have 25% or more of the partnership

 

Business financial statements (profit and loss statement and balance sheet)

Required where you have 25% or more of the company

   

In some situations, further documentation may be required. If this is the case for you, your home loan specialist will guide you through what is needed.


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.

Trading time

To apply for a home loan with ANZ, you need to have been registered for your ABN/ACN for at least 18 months. If you’re taking director’s fees or company dividends as income a valid ABN/ACN for two years is required.

Offer for legal, medical and accounting professionals

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%.

What is LMI >

Eligible professions >

Home loan and business loan sorted in one go

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.

Choose a home loan that works for you

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.

Basic variable

disclaimer

Principal & interest

Comparison ratedisclaimer

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

Fees and features

Standard variable with optional offsetdisclaimer

disclaimer

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

Fees and features

Fixed rate

 disclaimer disclaimer

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

Fees and features

Discounted rates, no ongoing fees

Get interest rate discounts upfront on eligible home loans,disclaimerwith no annual package fee.

  • $0 ANZ set up or ongoing fees disclaimer
  • Only pay for the extras you want
  • Further discount may be available on standard variable rate loans, depending on your situation

See our rates or talk to us to find out more or to get your application started. 

Request a call back

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.

Request a call back


You can also chat to an ANZ accredited broker for help with your home buying, investing or ANZ accredited broker refinancing needs.

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 conditionsProduct 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.

Return

Eligibility 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.

Return

Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.

Return

Offer 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.

Return

The 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.

Return

Comparison 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.

Return

A $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.

Return

The 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. 

Return

Rates 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.

Return

Comparison 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. 

Return

The 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. 

Return

Rates 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.

Return
Top