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ANZ is not more flexible. They tell you they are, and occasionally it's true, but usually they also require a full application.

I'm fairly certain ANZ do have an assessment and customer service centre in India.

A lot of what you've mentioned about the ANZ, is what the ANZ advertises their process to be, but there's caveats. I'd suggest that the ANZ and NAB are reasonably comparable in many instances. 1. ANZ reguarly define extending I/O periods as credit critical and perform a full assessment...