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No special treatment for brokers - my wife is westpac staff.

I can only go off my experience - I did my own loan last month 90% IO with St George and also another client did their's a few months before. Both we IO from the get go.

Not sure where you are getting this from but my experience is very different. Its basic policy that St George do 90% IO for staff including Westpac staff from the time of submission so no need to do P&I and then change it to IO after settlement.

Most banks have codes on their files - so if you look into the file it sent an alert. Mostly common on celebrity accounts. Other than morally wrong - it would be silly for someone to go into someone else's account.

Its not a secret and its not hard to do. They have different policies and they share assessors so they know each other's policies and rules.

Your boss wont know you have even applied for a loan. Westpac is max 85% for IO and 90% for P&I. Funny thing is that a Westpac employee can get 90% for both IO and P&I with St George.

Yep its the same. The benefit is just going to be the LMI waiter which IMO is huge and you should definitely consider taking advantage of it (assuming it fits your longer term strategy). Their LMI waiver is much better than some of the other lenders' policy like Westpac.

Yep 90% no LMI. If you are permanent part time or full time then you just need to be employed for at least 3 months. If you are a casual then you need to be employed for at least 6 months. You need to go direct to ANZ via branch or mobile banker - deal cannot be submitted via a broker.