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ANZ Falcon® technology monitors millions of transactions every day to help keep you safe from fraud.
Falcon® is a registered trademark of Fair Isaac Corporation.
Fraud protection.
Now it’s personal.
ANZ Falcon® technology monitors millions of transactions every day to help keep you safe from fraud.
Falcon® is a registered trademark of Fair Isaac Corporation.
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Cyber Security
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More options to help you secure the home you want
With an ANZ Security Guarantee, a family member could help you to get into your home faster.
If you need to borrow more than 80% of the amount your property is valued at by ANZ, you'll generally need to pay Lenders Mortgage Insurance (LMI). An ANZ Security Guarantee allows a guarantor (a family member who meets ANZ's requirements) to use the equity in their own home as additional security for your loan. This means that it could be used to reduce your Loan to Value Ratio (LVR) to below 80%, so you may be able to buy a property sooner and avoid paying LMI.
It is important to remember that the decision to use an ANZ Security Guarantee should not be taken lightly. If for some reason you are unable to repay your loan, the responsibility is passed to your guarantor. Because of this, it's important that guarantors have enough time to carefully consider their obligations as a guarantor before entering into a guarantee with ANZ. Once the loan is approved, and the Guarantor has been provided with the guarantee documents, ANZ will ensure that the guarantor has at least three days to carefully review these documents and make their decision. ANZ strongly recommends that guarantors seek independent legal and financial advice before signing a guarantee.
Contact us to find out more about an ANZ Security Guarantee.
Our home loan specialists can help you with pre-approval,disclaimer a new home loan, refinancing or topping up your existing home loan.
You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.
The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF) before acquiring any product.
Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply. Australian credit licence number 234527.
The Lenders Mortgage Insurance (LMI) premium payable is estimated at approximately $8,000 based on a $400,000 owner occupier loan with a Loan to Value Ratio (LVR) of 90% (92% including capitalisation of LMI). The LMI premium will vary based on the LVR.
ReturnANZ may provide pre-approval (also known as approval in principle or conditional approval) to eligible customers who apply for an ANZ home loan and complete an application form and satisfy any other applicable requirements. Pre-approval is an approval for a loan subject to conditions being met, including that security is satisfactory to ANZ. Australian Credit Licence Number 234527.
ReturnANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.
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