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Commercial Broker

We’re committed to supporting commercial brokers by offering the right tools, expertise and solutions to help businesses start, run and grow.

  • We take the time to get to know you and your clients
  • We share our expertise to get the right outcomes for your clients
  • We know business finance can be complex so we try to simplify things wherever possible
  • We have expertise across many industries and segments

Why ANZ?

We know that all businesses are unique and so are their lending needs.  You need a finance partner who will work with you to navigate the complex and find the right business finance solution to suit your clients’ needs.

ANZ and Brokers. Working Better Together.

 

Commercial Broker support and resources

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Offers and updates

Find out more about our range of flexible financial solutions, policy updates and enhancements to meet the needs of your business clients.

See Offers and updates

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Tools and resources

Help start the conversation and find the right solution for your clients by using our tools and resources.

See Tools and resources

Simplified ways for your clients to get finance

 

Removing barriers to commercial property lending

We’ve simplified some of our lending criteria to make it easier for your clients to invest in commercial property.

  • Lending amount: $1M-$3M
  • Minimum remaining lease term for the property is one year
  • The maximum loan term is five years and an interest only period of up to three years may be available (but Weighted Average Lease Term (WALT) criteria apply, where applicable)
  • The loan-to-value ratio is 70% or less (as determined by ANZ)

Some restrictions apply disclaimer

Other terms, conditions, fees, charges, and credit approval and eligibility criteria apply. 

Our rapid refinance process

Our new rapid refinance process could mean your clients' loan is approved within days.

  • Borrow up to $1 million

Eligible clients require just two pieces of documentation to include with their loan application.

  • A new Business Credit Application form
  • 12 months' business loan statements which show current minimum repayment amount and no late repayments (if client's current lending is not with ANZ) disclaimer

Eligibility Terms and Conditions apply. disclaimer

ANZ Secured Lending

ANZ Secured Lending is a streamlined application process that lets new and existing eligible business clients apply for finance from $50k up to $1m.

  • Enjoy a straightforward application process
  • Need to supply four documents to get the process started
  • Have the opportunity to go through an A – Z review to help them understand their financial goals
  • Have access to lending at competitive rates

Dual Application

Dual application is a process designed to enhance your clients' experience by assessing a home loan and business loan applications via a single decision point.

  • Enjoy a convenient process with one assessor making decisions for both the home loan and business lending together
  • Have assessors who understand the unique characteristics of self-employed customers
  • Be able to include an accountant prepared cash flow forecast and business plan when they purchase a new business
  • Be able to use this process to apply for a home loan within six months of an approved full documentation business lending assessment

Your clients may also be able to refinance using the Dual Applications rapid refinance process, which could mean a faster time to decision. Talk to your Business Development Manager to find out eligibility requirements.

Articles for your clients

 

What you should know to prepare for business lending

4-minute read

There’s no getting around it, applying for a business loan takes some serious preparation. And most of it needs to happen weeks or even months before you talk to your bank.

Keep reading

 

The four Cs of credit: What are banks looking for?

4-minute read

The fours Cs of credit are a common set of principles that banks and lenders consider when assessing business loan applications.

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Businesses are benefitting from the SME Guarantee Schemes

4-minute read

The global pandemic has had a huge impact on Australian businesses.

The Australian Government’s SME guarantee schemes have helped many of them make it through a challenging time.

Keep reading

This page contains only general information which is subject to change and is not a substitute for commercial judgement or professional advice. This information does not take into account your personal and financial needs, particular objectives and/or circumstances, and you should seek appropriate independent advice (which may include property, legal, financial, taxation and accounting advice) before making any decisions, investing, or acting on it.

Tools, templates, checklists, and calculators (“ANZ Tools”) linked or referred to on this page, are only some of many ways to analyse a business or industry, or to assist your planning and business decision making. You should seek the assistance of your accountant, business or other advisor when either planning for or analysing your business.

To the extent permitted by law, all members of the ANZ group of companies, their employees, officers and contractors ("ANZ“), offer no warranty and disclaim liability or responsibility to any person for any actions, claims, costs, demands, liability, or direct or indirect losses or damage that may result from using or relying on the information set out in the anz.com pages or the ANZ Tools, and/or any act, omission or error, by any person in relation to them.  To the extent permitted by law, ANZ makes no warranty and has no liability in respect of your use and reliance. ANZ Tools are also subject in many cases to further specific cautionary wording and disclaimers which you should read.

If the bank statements do not set out the minimum repayment amount, this information will need to be provided separately (e.g. copy of letter of offer or notice, or screenshot of account details, showing the amount).

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Your client can apply using ANZ’s rapid refinance process if:

  • Their total business borrowings with ANZ are less than $1 million including the funding under the refinance application
  • Their proposed repayments on the refinanced loan are equal to, or less than, their current repayments
  • They are refinancing their existing OFI (other financial institution) business lending facility only or existing ANZ business lending facility such as ANZ Business Loan, Asset Finance balloon or Asset Finance mid contract (As long as the remaining term and the age of the asset being refinanced meet ANZ's credit requirements)
  • Their existing business lending facility has been established for a minimum of 12 months
  • They can provide 12 months of statements which show current minimum repayment amount and no late repayments on their existing buinsess lending facility
  • They satisfy a credit check
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For example, simplified lending criteria apply to investors acquiring property for leasing to unrelated third parties, minimum servicing test (interest cover ratio) applies and security property must be standard commercial property (some exceptions apply).

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