Refinance Success Story at ANZ
A Strategic Turnaround for Our Client
We’re seeing impressive turnaround times for refinance applications with major lenders, and this recent case with ANZ is a standout example.
Our client initially planned to sell his property in Adelaide and relocate to Sydney due to a job transfer. We arranged a pre-approval for the Sydney purchase, with the intention that the sale proceeds from the Adelaide property would fund the 20% deposit, stamp duty, and legal costs.
However, after spending a few months in Sydney, his circumstances changed. He chose to return to Adelaide and retain his existing property, making the pre-approval no longer necessary. Rather than submitting a new application, we worked closely with ANZ to process a variation to the existing loan. The client's home loan—previously sitting at a high 7.89%—was successfully refinanced at a competitive rate of 5.43% with ANZ. Thanks to the outstanding support from our ANZ BDM, Bronwyn Koh, the variation request was lodged on 1st October and formally approved just two days later. This outcome reflects the power of strategic planning, lender collaboration, and the agility of our network. A fantastic result for the client—and a proud moment for Noor Finance.
Our client initially planned to sell his property in Adelaide and relocate to Sydney due to a job transfer. We arranged a pre-approval for the Sydney purchase, with the intention that the sale proceeds from the Adelaide property would fund the 20% deposit, stamp duty, and legal costs.
However, after spending a few months in Sydney, his circumstances changed. He chose to return to Adelaide and retain his existing property, making the pre-approval no longer necessary. Rather than submitting a new application, we worked closely with ANZ to process a variation to the existing loan. The client's home loan—previously sitting at a high 7.89%—was successfully refinanced at a competitive rate of 5.43% with ANZ. Thanks to the outstanding support from our ANZ BDM, Bronwyn Koh, the variation request was lodged on 1st October and formally approved just two days later. This outcome reflects the power of strategic planning, lender collaboration, and the agility of our network. A fantastic result for the client—and a proud moment for Noor Finance.
The client was facing a $150k shortfall for settlement, which was due in just 10 days. After reaching out to several of our trusted business partners, we were able to secure a pre-approval within a week to cover the gap. The client was extremely impressed with the quick turnaround, especially since they had already paid a 5% deposit and were at risk of losing it. Thanks to the support of our referral partners, we successfully arranged the required funding in time for settlement.
Recently had the opportunity to assist a client who earns foreign income from Doha while living in Australia as a permanent resident with their family.
The key challenge was finding a lender that would consider 100% of the client’s overseas income. With the support of my fantastic BDM at St. George we were able to structure a solution. This involved currency conversion to AUD, additional paperwork, and plenty of back-and-forth — but the effort was worth it.
The client secured pre-approval last week and is now on the way to purchasing their dream home. A great outcome all around!
Durand Jayasinghe this one is for you mate. You are an awesome awesome BDM.
The key challenge was finding a lender that would consider 100% of the client’s overseas income. With the support of my fantastic BDM at St. George we were able to structure a solution. This involved currency conversion to AUD, additional paperwork, and plenty of back-and-forth — but the effort was worth it.
The client secured pre-approval last week and is now on the way to purchasing their dream home. A great outcome all around!
Durand Jayasinghe this one is for you mate. You are an awesome awesome BDM.
Recently, I had the opportunity to assist a New Zealand couple looking to purchase their first investment property in Australia. They already owned an investment property in New Zealand that was generating rental income. The female applicant is a practising gynaecologist, while her husband is currently seeking employment. Although they had a strong overall family income, their primary challenge was a low deposit.
The key hurdle was finding a lender willing to consider rental income from their New Zealand investment property. While several lenders were open to using PAYG income, only one offered a favourable Medico Plus policy with up to 94.99% LVR—an ideal fit for the clients’ needs.
The journey took several months, as the clients initially considered purchasing a block of land, then decided to wait until the husband secured employment to strengthen their financial position. Two weeks ago, they reached out again, ready to move forward. We are now proceeding under the Medico Plus policy, and the clients are very happy with the solution.
This experience is a great reminder that when we, as brokers, prioritise doing the right thing by our clients—offering honest guidance and staying patient—they return when the time is right.
At Noor Finance, we’re committed to delivering tailored, ethical, and client-centric solutions—and it’s the small insights that often make the biggest difference.
#NoorFinance #ClientSuccess #FiveStarService #MortgageBroker #StrategicFinance
The journey took several months, as the clients initially considered purchasing a block of land, then decided to wait until the husband secured employment to strengthen their financial position. Two weeks ago, they reached out again, ready to move forward. We are now proceeding under the Medico Plus policy, and the clients are very happy with the solution.
This experience is a great reminder that when we, as brokers, prioritise doing the right thing by our clients—offering honest guidance and staying patient—they return when the time is right.
At Noor Finance, we’re committed to delivering tailored, ethical, and client-centric solutions—and it’s the small insights that often make the biggest difference.
#NoorFinance #ClientSuccess #FiveStarService #MortgageBroker #StrategicFinance
Supporting clients through challenging situations and finding the right solution makes a lasting impact. As brokers, it’s our responsibility to explore every possible avenue. If you’re unable to find a solution or guide your client to a suitable lender, you’re not fulfilling the core duty of the profession. With access to over 50 lenders, there is always a way forward.
