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My understanding is that the ANZ service model isn't too good. I've been knocked back by them. CBA didn't fly, either. Got an initial approval from Homeside (NAB) for one re-fi and RAMS (WBC) for the other re-fi within 2 days of lodging the app. Valuations were ordered a day or two after that...

Different boat, but feeling the pain of the tightening credit. It's not personal, Kim. Even if they did look at your bank statements, the system doesn't allow them to make a judgement call. Each bank has a service model into which they plug in your details and an assessement rate. ING are...