ANZ Business Banking Finance Fees and Charges

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FinanceFeesCharges

FINANCE FEES AND CHARGES
ANZ BUSINESS BANKING 05.2021

Contents

Business Finance
Loan Approval Fee or Limit Approval Fee (as applicable)3

Credit Facility Fee

Loan Administration Charge

Renegotiation Fee

ANZ Commercial Bills

Indemnity/Guarantee Facility

ANZ Tailored Commercial Facility

Other Fees, Margins, Interest Rates

ANZ Asset Finance Fee

Loan Securities

Other Way To Transact

2 3

Business Finance

Loan Approval Fee or Limit Approval Fee (as applicable)

Loan/Facility Type

Amount

ANZ Business Overdraft, ANZ Business Advantage Overdraft, ANZ Business Credit Facility, ANZ Business Loan*, ANZ Business Mortgage Loan, ANZ Business Saver Loan#, ANZ Investment Property Loan#, ANZ Structured Finance, ANZ Commercial Bills and ANZ Indemnity and Guarantees, ANZ Revolving Agri Line, ANZ Agri Finance
This fee is based on the amount of the business lending facility approved by ANZ at the time the application is made:
·For a new facility or an increase to an existing facility amount
·To convert an existing facility to another lending facility
·To change the security provided for a facility (at the customer's request)
·To vary the term of a facility or to switch from a variable to a fixed rate or vice versa.

Subject to negotiation and will be detailed in your Letter of Offer

ANZ Residential Investment Loan in a Company Name(ii), ANZ Equity Manager in a Company Name and ANZ Home Loan in a Company Name(i)
Regardless of amount of facility, this fee partially covers security document preparation, application and loan establishment costs.

$600

Temporary Overdraft Increase
·Up to $19,999 ·$20,000 to $49,999 ·$50,000 and above

Price on application

* Formerly known as ANZ Fully Drawn Advance. # No longer offered. (i) ANZ Home Loans in a Company Name were formerly known as ANZ Business
Home Loans. (ii) A NZ Residential Investment Loans in a Company Name were formerly known
as ANZ Business Residential Investment Loans.

Credit Facility Fee
The Credit Facility Fee is payable in arrears, except where specified otherwise.

Loan/Facility Type
ANZ Business Overdraft The Credit Facility Fee on the ANZ Business Overdraft is calculated daily on the facility limit and is as detailed below. This fee is debited to your account: ·quarterly in arrears based on
your account opening date; and ·on a pro-rata basis whenever there
is a change to the facility limit. - Limit of $9,999 or less - Limit of $10,000 to $19,999 - Limit of $20,000 to $49,999 - Limit of $50,000 to $499,999
- Limit of $500,000 or more
·When drawn under an ANZ Tailored Commercial Facility.
ANZ Business Advantage Overdraft The Credit Facility Fee on the ANZ Business Advantage Overdraft is calculated daily on the facility limit and is as detailed below. This fee is debited to your account: · quarterly in arrears based on
your account opening date; and · on a pro-rata basis whenever there
is a change to the facility limit. - Limit of $9,999 or less - Limit of $10,000 to $19,999 - Limit of $20,000 to $49,999 - Limit of $50,000 or more

Amount
$250 p.a. $400 p.a. $600 p.a. 1.7% of facility limit p.a. Price on application $0
$250 p.a. $400 p.a. $600 p.a. 1.7% of facility limit p.a.

Loan/Facility Type

Amount

ANZ Revolving Agri Line
The Credit Facility Fee on the ANZ Revolving Agri Line is calculated daily on the facility limit and is as detailed below.
This fee is debited to your account:
· quarterly in arrears based on your account opening date; and
·on a pro-rata basis whenever there is a change to the facility limit.
- L imit of $250,000 or more

0.5% of facility limit p.a.

ANZ Business Credit Facility
The Credit Facility Fee on the ANZ Business Credit Facility is debited to your account:
· monthly in arrears based on your account opening date; and
·on a pro-rata basis whenever there is a change to your facility limit.

$600 p.a.

ANZ Equity Manager in a Company Name
The Credit Facility Fee on your ANZ Equity Manager in a Company Name is debited to your account:
·annually in arrears based on your account opening date; and
·on a pro-rata basis whenever there is a change in your facility limit.

$150 p.a.

Loan Administration Charge
The Loan Administration Charge is payable in arrears.

Loan/Facility Type

Amount

ANZ Money Saver Residential

$20 per month

Investment Loan in a Company

Name# and ANZ Business Saver Loan#

ANZ Fixed Rate Home Loan in a Company Name and ANZ Fixed Rate Residential Investment Loan in a Company Name
Payable monthly in arrears during the fixed interest rate period, with the first charge being payable one month after the date of advance.

$10 per month

ANZ Variable Rate Home Loan in a Company Name and ANZ Variable Rate Residential Investment Loan in a Company Name
ANZ Business Loan*
ANZ Investment Property Loan# · Loan approval amount up to
$50,000

$5 per month
Price on application
$100 per quarter

· Loan approval amount over $50,000 Price on application

ANZ Business Mortgage Loan ANZ Agri Finance
ANZ Tailored Commercial Facility
* Formerly known as ANZ Fully Drawn Advance. # No longer offered.

$30 per month
Price on application Price on application

Renegotiation Fee

Loan/Facility Type

Amount

ANZ Residential Investment Loan in a Company Name(ii), ANZ Money Saver Residential Investment Loan in a Company Name#, ANZ Business Saver Loan#, ANZ Investment Property Loan#, ANZ Home Equity Loan in a Company Name# , (iii) ANZ Equity Manager in a Company Name and ANZ Home Loan in a Company Name(i):
·If no change to loan term, amount or security, and not changing to Interest Only repayments
·If changing loan term, amount, security or changing to Interest Only repayments

$400 $600

ANZ Business Loan* and ANZ Business Mortgage Loan
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 not incorporated into the current Letter of Offer.

$600

* Formerly known as ANZ Fully Drawn Advance. # No longer offered.

(i)ANZ Home Loans in a Company Name were formerly known as ANZ Business Home Loans.
(ii) A NZ Residential Investment Loans in a Company Name were formerly known as ANZ Business Residential Investment Loans.
(iii) A NZ Home Equity Loan in a Company Name was formerly known as ANZ Business Home Equity Loan.

ANZ Commercial Bills

Fee Type
Handling Fee Payable on each rollover date.
Usage Line Fee A percentage of the face value of the bill calculated on the rollover period of the bill and payable on the drawdown date or rollover date (as applicable) for the bill.
Commitment Fee A percentage of the facility limit payable periodically in advance commencing on the date on which we open your facility in our systems after we are satisfied that all of the conditions precedent referred to in your Letter of Offer and the applicable `Specific Conditions of Use' booklet have been satisfied.

Amount As detailed in your Letter of Offer Price on application
Price on application

Indemnity/Guarantee Facility

Fee Type
Indemnity Guarantee Fee A percentage of the Face Value of the Indemnity/Guarantee payable in advance on the date the Indemnity/ Guarantee is issued and periodically thereafter.
Indemnity/Guarantee Facility Fee A percentage of the Facility Limit payable periodically in advance commencing on the date of acceptance of the Letter of Offer.

Amount Price on application
Price on application

ANZ Tailored Commercial Facility

Fee, Premium Type
Approval Fee This fee is based on the ANZ Tailored Commercial Facility Limit approved by ANZ at the time the application is made: ·For a new ANZ Tailored Commercial
facility or an increase to an existing facility limit ·To convert an existing facility to an ANZ Tailored Commercial Facility ·To change the security provided for a facility (at the customer's request) ·To vary the term of an ANZ Tailored Commercial Facility.

Amount
Subject to negotiation and will be detailed in your Letter of Offer

Commitment Fee
A percentage of the Facility Limit payable periodically in advance commencing on the Commencement Date.
Interest Rate Risk Management Premium
May be payable on `TCF Capped Rate Loans', TCF Range Rate Loans and TCF Optional Fixed Rate Arrangements as described in the ANZ Tailored Commercial Facility Specific Conditions of Use.

Price on application
As quoted and agreed with ANZ

Please also refer to the Loan Administration Charge outlined in this document

Other Fees, Margins, Interest Rates

Fee, Rate or Margin

Loan Type

Amount

Bank Cheques (Australian Dollars Only) Certificates Supplied ·Certificate
of Balance ·Statement
of Amount Owing
· Certificate of Interest Paid
Early Repayment Administration Fee

ANZ customers via ANZ $10 Branch Network plus Stamp Duty in South Australia.

$15

Payable where a

$17.50 for

statement of amount

each

owing on a loan account is quarter

supplied on your request hour or

more frequently than one part

in any three month period.

This fee is not applicable to ANZ Home Loan in a Company Name(i) , ANZ Residential Investment Loan in a Company Name(ii), ANZ Money Saver Residential Investment Loan in a Company Name#, ANZ Equity Manager in a Company Name and ANZ Home Equity Loan in a Company Name# .(iii)
$15

Applicable to all ANZ

$300

Fixed Rate Business Loans

(other than those drawn

under an ANZ Tailored

Commercial Facility)

Only applies to loan agreements made on or after 1 November 1996.

May apply if you fully or partially repay your loan. This fee is not applicable to ANZ Home Loan in a Company Name(i), ANZ Residential Investment Loan in a Company Name(ii).

10 11

Fee, Rate or Margin

Loan Type

Amount

Guarantee Administration Fee

ANZ Home Loan in a

$200

Company Name(i), ANZ

Residential Investment

Loan in a Company

Name(ii), ANZ Money Saver

Residential Investment

Loan in a Company Name#,

ANZ Equity Manager in a

Company Name and ANZ

Home Equity Loan in a

Company Name# (iii)

A Guarantee Administration Fee may be payable for each guarantee taken by ANZ for the purpose of securing your loan/facility.

This fee is payable on the date of advance or where a change is requested to an existing loan/facility and ANZ requires a guarantee/s be taken, the date the change is effected.

Honour Fee

ANZ Overdraft Facility, ANZ Business Advantage Overdraft, ANZ Business Credit Facility and ANZ Revolving Agri Line

$37.70

Charged for considering a request for an Informal Overdraft where you satisfy ANZ's credit criteria for an Informal Overdraft and, the balance of your Informal Overdraft facility exceeds $50 at the time of your request or will exceed $50 after the debit requested has been processed.

# No longer offered. (i)ANZ Home Loans in a Company Name were formerly known as ANZ Business
Home Loans. (ii) A NZ Residential Investment Loans in a Company Name were formerly known
as ANZ Business Residential Investment Loans. (iii) A NZ Home Equity Loan in a Company Name was formerly known as ANZ
Business Home Equity Loan.

Fee or Rate Loan Type / Description Amount

Late Payment Fee
Late Payment Fee (Business Loans Only)

Applicable to ANZ Home $20 Loan in a Company Name(i), ANZ Residential Investment Loan in a Company Name(ii), ANZ Money Saver Residential Investment Loan in a Company Name#, ANZ Equity Manager in a Company Name and ANZ Home Equity Loan in a Company Name# (iii)
Charged monthly where the whole or any part of the loan repayment has been unpaid for 30 days or more. When this fee is charged it must be paid immediately along with the outstanding repayment.

Charged monthly on

$35

Business Loans where the

whole or any part of the

loan repayment has been

unpaid for 30 days or more.

When this fee is charged it

must be paid immediately

along with the outstanding

payment.

# No longer offered.
(i)ANZ Home Loans in a Company Name were formerly known as ANZ Business Home Loans.
(ii) A NZ Residential Investment Loans in a Company Name were formerly known as ANZ Business Residential Investment Loans.
(iii) A NZ Home Equity Loan in a Company Name was formerly known as ANZ Business Home Equity Loan.

Fee, Rate or Margin Locked Rate Fee
Forward Start Fee

Loan Type

Amount

ANZ Business Loan - Fixed Rate in Arrears, ANZ Business Loan - Fixed Rate then Variable Rate, ANZ Business Loan for Personal Investment - Fixed Rate in Arrears, ANZ Business Loan for Personal Investment - Fixed Rate then Variable Rate, ANZ Business Mortgage Loan - Fixed Rate in Arrears and ANZ Business Mortgage Loan - Fixed Rate then Variable Rate

This fee is payable before or $600 plus

upon the first Drawdown Date a % of the

of the loan to lock in the

loan

interest rate current at the

amount

time of application for a loan

which is to be drawn down at

an approved Drawdown Date

in the future. Refunds are not

available unless the loan is not

approved by ANZ.

This feature is only available on loans up to $500,000 and fixed rate terms of 1 year up to 5 years. The loan must be drawn down within 60 days of the date the Letter of Offer is issued. The percentage value is available on application.

This feature is available on the loans listed above in bold.

ANZ Business Loan - Fixed Price on Rate in Arrears, ANZ Business application Loan - Fixed Rate then Variable Rate, ANZ Business Loan for Personal Investment - Fixed Rate in Arrears, ANZ Business Loan for Personal Investment - Fixed Rate then Variable Rate

12 13

Fee, Rate or Margin Lock Rate Fee
Outward Dishonour Fee

Loan Type

Amount

ANZ Fixed Rate Home Loans in a Company Name and ANZ Fixed Rate Residential Investment Loans in a Company Name

$750

The Lock Rate fee will be $750 for every $1M of lending (or part thereof).

Examples:

1)A $400,000 loan will have a $750 Lock Rate fee.
2)A $1,300,000 loan will have a $1,500 Lock Rate fee.
·Payable, at application, to lock in the interest rate at application for a loan to be drawn down up to 90 days in the future.
·Standard Loan Approval Fee/Facility Approval Fee/Renegotiation Fee applies
·Refunds are not available unless the loan is not approved by ANZ
·This facility is only available for loans that are fixed for up to five years.

ANZ Overdraft Facility, ANZ Business Advantage Overdraft, ANZ Business Credit Facility and ANZ Revolving Agri Line

$37.70

An Informal Overdraft Assessment Fee is charged for considering a request for an Informal Overdraft where you do not satisfy ANZ's credit criteria for an Informal Overdraft.

14 15

Fee, Rate or Margin
Informal Overdraft Interest Rate

Loan Type

Amount

Debit interest on Informal Overdrafts is charged on the balance of your Informal Overdraft facility.

Overdraft Interest Rate plus 4% p.a.

Overdraft Interest Rate
Progress Payment Fee

ANZ Business Overdraft, ANZ

ANZ Business Advantage Index Rate

Overdraft, ANZ Revolving applicable

Agri Line and Business Credit Facility Debit interest on Overdrafts

to your facility plus a margin

(ie. business transaction

accounts with a credit limit) is

charged on the Overdraft

balance at the ANZ Index Rate

applicable to your facility,

published weekly in the

Australian Financial Review,

plus a margin as set out in

your Letter of Offer.

ANZ Home Loan in a Company Name(i), ANZ Residential Investment Loan in a Company Name(ii) and ANZ Money Saver Residential Investment Loan in a Company Name#
This is a one-off fee payable on loans which are progressively drawn and is charged at the time of the first progress payment.

$250

Fee, Rate or Margin

Loan Type

Amount

Valuation administration Fee

ANZ Home Loan in a

$150

Company Name(i), ANZ

Residential Investment Loan

in a Company Name(ii), ANZ

Money Saver Residential

Investment Loan in a

Company Name#, ANZ

Equity Manager in a

Company Name and ANZ

Home Equity Loan in a

Company Name# (iii)

A Valuation Administration Fee may be payable for each property to be mortgaged to ANZ as security for your loan or when a request is made for a full or partial discharge of security, a change to, or release of one or more of the guarantors or any other change to the security of your loan.
This fee is payable for administration costs incurred for each valuation / price estimate that is required by ANZ and is payable on the date of advance or when the change is requested.

Personal Property Securities Act (PPSA) Registration, Renewal and Amendment Fees

A PPSA Fee will be payable at See the time when the Personal Government Property Security interest/s is website registered, amended or due to expire and must be renewed. These Government fees can be found at www.ppsr.gov.au and are subject to change, depending on when a registration, amendment or renewal is required.
These fees may be charged multiple times depending on the term of the facilities and the number of registrations, amendments or renewals required.

16 17

Transaction Fees Associated with ANZ Business Credit Facility

Free Cheque or Merchant Deposits 15 per month

Does not include electronic merchant settlements.

Free Transactions
A transaction is any deposit, or withdrawal, or transfer.

13 per month of which 3 can be withdrawals

If ANZ permits you to make a deposit (including a cheque deposit) to or withdrawal from your account in person at the premises of an agent, contractor or service provider of ANZ, that depositor withdrawal is also a Transaction.

Additional Transactions/Cheque or $5 Merchant Deposits Fees

Additional Fees (formerly known as Excess Fees) are only charged on the number of Transactions/Cheque (any deposit, withdrawal, or transfer) or Merchant Deposits made over the free monthly limit. Bank fees, government charges, periodical payments, direct debits, balance enquiries, ANZ Multi Payments and transactions at non-ANZ ATMs are not counted towards the free transaction limit. A service fee may be charged by the non-ANZ ATM. For Cheque or Merchant Deposits, fee applies to each item deposited.

# No longer offered. (i) A NZ Home Loans in a Company Name were formerly known as ANZ Business
Home Loans. (ii) A NZ Residential Investment Loans in a Company Name were formerly known
as ANZ Business Residential Investment Loans. (iii) A NZ Home Equity Loan in a Company Name was formerly known as ANZ
Business Home Equity Loan.

ANZ Asset Finance Fee

Description

Offer to Hire

Chattel Finance and Mortgage Novated
Lease

Establishment Fee ^+
This upfront, one off fee partially covers the administration costs of establishing the loan.

Minimum $412.50 inc. GST

Minimum $375

Minimum $412.50 inc. GST

Administration

$nil

Charge

payable pro-rata as part of repayments and until completion of the facility.

$5.50

per month inc. GST

per month

Early Termination Fee
Charged for an early payout of the loan.

The calculation method for determining the amount payable on early termination varies between products. Please contact ANZ for product specific calculations.

Late Payment Fee $38.50 $35

Charged when

inc. GST

payment is not

received within 7 days

of the due date.

Can be avoided by

contacting ANZ to

arrange a temporary

late payment.

$38.50 inc. GST

Administrative Default Fee

$114.40 $104 inc. GST

Charged upon the appointment of an agent to collect any outstanding debt or repossess the asset. The fee is to recoup the administrative cost to ANZ of managing the mercantile agent.

$114.40 inc. GST

Note: Government fees and charges may apply.

^Additional fees and charges can be incurred during the term of the loan, please refer to the terms and conditions of the contract.
+This fee is only a guide and may vary depending on the complexity of the contract.

18 19

Loan Securities

Fee Type

Amount

Lodgement Fee

·Registration

$160

Charge for lodgement for registration of (per

ANZ Mortgages, Discharges of Mortgage, process)

Transfers of Land, Personal Property

Security Interests, Assignment or

Re-assignment of Life Policies and