ANZ levels the playing field for small business owners with home loan shake-up

ANZ is shaking up home loans to make things fairer for small business owners.

If you run a café, a plumbing van, or an online store, your income can rise and fall.

That used to make mortgages tough.

Now, ANZ looks at real cash flow, longer income histories, and multiple income sources—not just one perfect payslip.

What’s changing for you:

• Simpler paperwork: bank statements and BAS can support your case, not only accountant letters.
• Flexible checks: income averaged over 12–24 months, not just last month’s numbers.
• Competitive rates and offset accounts to reduce interest while keeping cash handy.
• Loan-to-value ratios up to 80% for many, with higher options if you add lender’s mortgage insurance.
• Faster decisions using digital bank data, so you’re not waiting weeks.

Real-life examples:

• Jess, a florist with busy springs and quiet winters, shows 18 months of deposits to qualify.
• Mo, a rideshare driver with two side gigs, combines incomes to meet serviceability.
• Priya and Dan, who keep cash in their business, use an offset account to cut interest while staying flexible.

Tip: keep BAS, bank statements, and ATO lodgements up to date. Some strong applicants may qualify with one year of trading.