ANZ

Products & Services

Asset Finance

ANZ's high quality traditional banking solutions can be customised to suit your individual business needs.

Our Products and Services


Finance Lease

A Finance Lease is a contract in which you (the 'Lessee') have use of a selected piece of equipment for an agreed time frame in return for a series of rental payments to ANZ (the 'Lessor').
Cash Flow Retention 100% finance so cash can be retained for other purposes.
Profit Forecasting & Budgeting Contracts are fixed for an agreed period and involve fixed payments, allowing greater accuracy in budgeting and cashflow forecasting.
Flexibility Option to select the term and the timing of repayments to suit your cashflows.
Tax Advantages Lease rentals may be tax deductible, provided the equipment is used to generate assessable income, you should seek your own taxation advice to confirm your position.
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Hire Purchase

A Hire Purchase agreement is a contract by which ANZ (the 'Owner') conveys to the customer (the 'Hirer') the right to possess and use an asset and the right to acquire ownership of the asset by making progressive payments.
Cash Flow Retention 100% finance so cash can be retained for other purposes. Customer may have equity in goods by way of deposit or trade in allowance.
Profit Forecasting & Budgeting Contracts are fixed for an agreed period and involve fixed payments, allowing greater accuracy in budgeting and cashflow forecasting.
Flexibility Option to select the term and the timing of repayments to suit your cashflows.
Tax Advantages Depreciation and interest charges relating to hire purchase transactions are tax deductible, provided the equipment is used to generate assessable income - you should seek your own taxation advice to confirm your position.
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Corporate Lease & Corporate Hire Purchase Facilities

ANZ's Corporate Lease facility takes your individual leases and incorporates them into a total asset management package. ANZ's Corporate Hire Purchase facility provides similar service for your hire purchases.
Cash Flow Retention 100% finance so cash can be retained for other purposes.
Profit Forecasting & Budgeting Assets spread over different states, departments or business units can be grouped to provide tailored asset tracking and cost centre reporting thereby allowing greater accuracy in budgeting and cashflow forecasting.
Flexibility
  • Option to select the term and the timing of repayments to suit your cashflows.
  • Ability to roll multiple payments into one common repayment date per rent payment period.
  • Ability to choose from a suite of published fixed and variable interest rates.
Tax Advantages Provided equipment being financed is used to generate assessable income, depreciation and interest charges relating to the Corporate Hire Purchase transactions is tax deductible whilst rentals are tax deductible in the case of a Corporate Lease - you should seek your own taxation advice to confirm your position.
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Chattel Mortgage

Facility whereby Customer (the business entity) takes ownership of the goods upon delivery, with ANZ securing the loan by a charge over the goods. A charge is a form of security that places a mortgage over the financed goods.
Cash Flow Retention 100% finance so cash can be retained for other purposes. Customer may have equity in goods by way of deposit or trade in allowance.
Profit Forecasting & Budgeting Contracts are fixed for an agreed period and involve fixed payments, allowing greater accuracy in budgeting and cashflow forecasting.
Flexibility Option to select the term and the timing of repayments to suit your cashflows.
Tax Advantages Depreciation, interest charges and fees relating to the transaction are tax deductible, provided the equipment is used to generate assessable income - you should seek your own taxation advice to confirm your position.
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This product/service is generally suitable for businesses with turnover of $5M to $40M.