ANZ
ANZ Business Overdraft
Need help with cash flow? Our overdrafts offer flexible payment options and provide you with peace of mind.
At a glance
- Pricing
- Rates on application
- Variable
- 16.20%
- Loan size
- $2,000 to $300,000
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableInterest rate is only applicable when applying via the GoBiz online application channel. | — | — | — | 16.20% | — | — |
§ 02 — Fees · 18
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Document Preparation Fee - Loan Securities | Event | $200 | — | 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… |
| Lodgement Fee - Original Registration | Event | $160 | — | Original registration by ANZ |
| Lodgement Fee - Re-registration | Event | $160 | — | Re-registration of Personal Property Security Interests |
| Lodgement Fee - Registration | Event | $160 | — | 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 |
| Outward Dishonour Fee | Event | $37.70 | — | — |
| PPSR Registration, Renewal and Amendment Fees | Event | $6 | — | 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. |
| Preparation/Execution Fee - Consent to Lease/Deed of Priority | Event | $90 | — | Preparation and/or execution of Consent to Lease or Deed of Priority |
| Preparation/Execution Fee - Discharge of Mortgage | Event | $90 | — | Preparation and/or execution of Discharge of Mortgage |
| Production Fee | Event | $160 | — | For any changes that occur to a registered mortgage or on request for a certificate of title or other security document. Production of Certificate of Title and/or other security documents (per proces… |
| Search Fee | Event | $50 | — | 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… |
| Settlement Fee | Event | $160 | — | 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. |
| Supplying Certificates | Event | $50 | — | For supplying a certificate(s) for audit or other purposes. $70 per hour, with a minimum of $50. |
| Temporary Overdraft Increase | Event | Varies | — | Price on application |
| Enforcement expenses | Other | Varies | — | 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. |
| Stamp Duty - Mortgage Document | Other | Varies | — | 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… |
| Stamp Duty - Transfer Land | Other | Varies | — | 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… |
| Credit Facility Fee | Periodic | Varies | Every 1 yr | For provision of a credit facility, payable in arrears for ongoing provision of the facility. Amount displayed is the annual fee which is debited quarterly in arrears based on the account opening dat… |
| Loan Approval Fee | Upfront | Varies | — | Upfront fee payable for any approved application for new facility or change to terms of existing facility. Fee is subject to negotiation and will be detailed in your Letter of Offer. Upfront fee is $… |
§ 03 — Features
Extra repaymentsGuarantor optionFraud protection
§ 04 — Eligibility & limits
- · Minimum age 18
- · Available to businesses
- · Amount $2,000 to $300,000
§ 06 — Run the numbers
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Published by ANZ under the Consumer Data Right, last changed by them on 17 July 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.