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Without knowing much about lending (only through my own personal experience with our portfolio and conversations with my wife) this is a correct summary of ANZ's processes. The inconsistency is really quiet alarming. The left hand doesn't know what the right hand is doing - one department...

Hi Alex, Be interested to hear how you end up going with this. We have 3 loans coming off high IO fixed rates (7.5%). The new lower rates will be very welcome and improve our cashflow no end! But dealing with ANZ is a nightmare - and that is with my wife working directly in mortgages with...