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ANZ Business Loan

With a choice of repayment options, our Business Loan lets you handpick the solutions that suit your business best

Business loansRates on applicationBank updated 9 Oct 2026

At a glance

Pricing
Rates on application
Fixed
12.99%
Variable
12.99%
Loan size
$10,000 to $500,000

Rates

Every rate ANZ publishes for this business loan, 4 in all.

TypeApplies toTermBandRateComparisonConditions
FixedFixed for 1 year. Interest rate is only applicable when applying via the GoBiz online application channel.-1 yr fixed-12.99%--
FixedFixed for 2 years. Interest rate is only applicable when applying via the GoBiz online application channel.-2 yrs fixed-12.99%--
FixedFixed for 3 years. Interest rate is only applicable when applying via the GoBiz online application channel.-3 yrs fixed-12.99%--
VariableInterest rate is only applicable when applying via the GoBiz online application channel.---12.99%--

Rate changes

4 changes logged, newest first.

DateRateWasNowChange
9 Oct 2026Fixed, 1 yr fixed12.74%12.99%up 0.25
9 Oct 2026Fixed, 2 yrs fixed12.74%12.99%up 0.25
9 Oct 2026Fixed, 3 yrs fixed12.74%12.99%up 0.25
9 Oct 2026Variable12.74%12.99%up 0.25

Each change is logged the night it appears in the rates ANZ publishes. See how every lender answered the RBA on the rate tracker.

Fees

24 fees published, grouped by when they're charged.

  1. When you take it outVaries3 fees, each listed below
  2. While you hold itVaries every 3 monthsLoan Administration Charge
  3. When you close it or pay it offNo fee published

When you take it out3

  • Forward Start Fee

    For guaranteeing a fixed rate on a loan that will be drawn on a specific drawdown date up to 60 days from the date of fee payment. Fee amount is Priced on Application

    Varies
  • Loan Approval Fee

    Payable for any approved application for a new loan/facility or a change to the terms of an existing loan/facility. Fee is subject to negotiation and will be detailed on your Letter of Offer. Loan Ap…

    Varies
  • Lock Rate Fee

    $600 plus a % of the loan amount. Payable before or on the first drawdown date of a loan to lock in the interest rate current at the time of application for a loan which is to be drawn down at an app…

    From $600

While you hold it1

  • Loan Administration Charge

    Charged in arrears for administration of the account. Price on application. Loan Administration Charge $0 (waived) when applying via GoBiz online application channel.

    Varies every 3 months

If a payment is late or fails1

  • Late Payment Fee

    Amount becomes payable when amount payment due remains unpaid for 30 or more days. The fee will be payable each month the amount remains unpaid.

    $35 30 days after it's due

When particular things happen16

  • Certificate of Balance Fee

    Payable on request of a Certificate of Balance

    $15
  • Certificate of Interest Paid Fee

    Payable on request of a Certificate of Interest Paid

    $15
  • Document Preparation Fee - Loan Securities

    For preparation of Mortgage over Property, Charge over Asset, Corporate Guarantee or Individual Guarantee. The fee applies to each document prepared. Where two Mortgage over Property documents are pr…

    $200
  • Early Repayment Cost

    For early repayment of the loan. Calculated based upon the loan amount and amount paid i.e. amount owing.

    Varies
  • Lodgement Fee - Original Registration

    Original registration by ANZ

    $160
  • Lodgement Fee - Re-registration

    Re-registration of Personal Property Security Interests

    $160
  • Lodgement Fee - Registration

    Charge for lodgement for registration of ANZ Mortgages, Discharges of Mortgage, Transfers of Land, PPS interests, assignment or reassignment of Life Policies and other documents

    $160
  • PPSR Registration, Renewal and Amendment Fees

    Fees are determined by the Australian Financial Security Authority, not ANZ. Currently, on renewal of securities on PPSR: $6 for 7 year PPSR renewal or $25 for 25 year renewal, or $115 for renewal wi…

    From $6
  • Preparation/Execution Fee - Consent to Lease/Deed of Priority

    Preparation and/or execution of Consent to Lease or Deed of Priority

    $90
  • Preparation/Execution Fee - Discharge of Mortgage

    Preparation and/or execution of Discharge of Mortgage

    $90
  • Production Fee

    For any changes that occur to a registered mortgage or on request for a certificate of title or other security document

    $160
  • Renegotiation Fee

    Renewal of a fixed rate term (no change to security). This fee is charged at the time a fixed rate loan is renewed for a further fixed rate term and the ability to renew a further fixed rate term was…

    $600
  • Search Fee

    For searching for additional information (beyond normal searches like title search) required to obtain information from a government or regulatory body regarding the loan. Charged per property securi…

    $50
  • Settlement Fee

    Payable when there is a security to be provided or varied under an ANZ loan. It is charged per settlement attended even if it falls through and even if physical settlement doesn’t occur.

    $160
  • Statement of Amount Owing

    Payable where a statement of amount owing on a loan account is supplied on your request more frequently than one in any three month period. $17.50 per 15 minutes.

    From $17.50
  • Supplying Certificates

    For supplying a certificate(s) for audit or other purposes. $70 per hour, with a minimum of $50.

    From $50

Other fees3

  • Enforcement expenses

    Non-payment that is referred to a third party debt collection agency. The amount charged depends upon the enforcement action taken and the agency to which the debt is referred.

    Varies
  • Stamp Duty - Mortgage Document

    Payable where stamp duty is applicable to the loan at the time of settlement. The amount is calculated by the state or territory government's administrative body (e.g. Titles Office) using the value…

    Varies
  • Stamp Duty - Transfer Land

    Payable where stamp duty is applicable to the loan at the time of settlement. The amount is calculated by the state or territory government's administrative body (e.g. Titles Office) using the value…

    Varies

Features

Offset accountExtra repaymentsGuarantor optionDigital bankingFraud protection

Eligibility and limits

  • Minimum age 18
  • Available to businesses
  • Amount $10,000 to $500,000

Published by ANZ under the Consumer Data Right, last changed by them on 9 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.