Wondering if anyone has ANZ mortgage experience can give me some confirmation/feedback.
It seems ANZ mortgages are more flexible than NAB. I just like to check if these advices from them are true (seems too good to be true because NAB require full paperwork) before refinancing to them:
1. To renew IO period, all I need to do is to call/email them and it is a 1 minute job with no income/paperwork (as long as it isn't at 10 year mark), is that true? (They only offered me 2 year IO but told me renewal is non credit critical until 10 year mark and above is what I need to do at 23rd month mark)
If it is 10 year mark, can it be renewed via full application or I had to refinance out?
2. To change between LOC vs SVR, all I need to do is to call or email them and it is a 1 minute job with no income/paperwork. Is that true?
3. To vary the loan partition size, split or merge, all I need to do is to call/email them and it is a 1 minute job with no income/paperwork (as long as overall size and name are the same). Is that true?
Also,
ANZ package seems to only offer 1 offset account. Anyone has more than 1 offset accounts and manage to get them included in the package?
Their call centre seems to be in India. Did that affect quality of service?
Thanks
It seems ANZ mortgages are more flexible than NAB. I just like to check if these advices from them are true (seems too good to be true because NAB require full paperwork) before refinancing to them:
1. To renew IO period, all I need to do is to call/email them and it is a 1 minute job with no income/paperwork (as long as it isn't at 10 year mark), is that true? (They only offered me 2 year IO but told me renewal is non credit critical until 10 year mark and above is what I need to do at 23rd month mark)
If it is 10 year mark, can it be renewed via full application or I had to refinance out?
2. To change between LOC vs SVR, all I need to do is to call or email them and it is a 1 minute job with no income/paperwork. Is that true?
3. To vary the loan partition size, split or merge, all I need to do is to call/email them and it is a 1 minute job with no income/paperwork (as long as overall size and name are the same). Is that true?
Also,
ANZ package seems to only offer 1 offset account. Anyone has more than 1 offset accounts and manage to get them included in the package?
Their call centre seems to be in India. Did that affect quality of service?
Thanks