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ANZ dont get an A&L at all. the guarantor doesnt declare income. they do declare occupation and marital status only, and ID. Same verification whether 1st or 2nd mortgage.

ANZ guarantors only need to complete a checklist. No requirement for A&L or formal income verification. Their eligibility is 'self assessed' as it were. Rams have a very similar policy, but casual only used after 6 months with the same employer.

ANZ same, and they do guarantors much better.....