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Just received pricing approval for 1.20% for 1.5m. 1.1m New money. Do you guys do the requests over toolkit online, seems like you guys in Syd are obtaining larger discounts? Also, we put a lot of deals through ANZ and I cant recall the last time I was suggested a model val.

Yeh I agree, This is the pricing schedule I reckon ANZ follow in my opinion. $300-$350 .85% $350-$400 .90% $400-$500 .95% $500-$600 1% $600-$700 1.05% $700-$1.2 1.1% For a ~$300,000 loan cba will do 1.05% vs ANZ .85% which is a huge discrepancy.

Put it this way, you don't go for ANZ if you looking for sharp pricing. generally I feel ANZ pricing is very consistent where they seem to follow a schedule to determine pricing. Good to see they dropped their fixed rates too.

hmm, I would have expected around .95-1%. ANZ are really stingy at less than $700,000

At branch level it is a fairly easy to renew IO for an additional 2 years where resubmission is not required and not deemed credit critical. ANZ pricing is the worst of the the majors and you would struggle to see discounts greater than 1.15%.