A-Z Review

1. Finding out what’s important to you
Your A-Z Review^® starts with a discussion about your current financial position, priorities and goals. For example, you may find you want to be more organised, accelerate your savings, buy a new house or explore better ways of managing debt.

By knowing what’s on your horizon, we could identify where your current banking arrangements may work more efficiently to help you achieve the lifestyle you want, both now and in the future.
 

2. Reviewing your banking style
We all form different banking habits over the years. But a few changes to the way you organise your money could make a real difference when life throws surprises your way. By helping with your banking, we could make it easier to juggle credit card payments and bills, along with living expenses that can pop-up unexpectedly. And we may be able to help you avoid some of the fees you currently pay.
 

3. Identifying a solution to suit you
Once your lifestyle, aspirations and opportunities have been discussed, we will work with you to get your banking sorted and help you make the most of your finances.

To find out how an A-Z Review^® has helped other people have a look at these real life examples.

Live today and set yourself up for tomorrow
Recently a customer was able to put in an offer on her dream home in Paddington, Sydney, even though she felt that she may not be able to afford it.

By referring the customer to Michelle, an ANZ Senior Personal Banker, we were able to talk with her about her current situation, her aspirations and needs for the future, including retirement.

“We thoroughly discussed her current financial situation during her 
A-Z Review^®. We worked out the customer’s borrowing power with regards to her purchasing her 'dream property', along with restructuring her old loan”, said Michelle.

The customer was in her mid fifties and through the conversation we also discussed her superannuation and investments, along with her plans for retirement. We suggested a Financial Planner could further assist by helping her develop a strategy to ensure that when retirement did come, she would be financially ready to live the life she wanted.

The customer could not thank us enough for the advice she had received and said that as a doctor, people assumed that she knew it all. For the first time in her life, she felt financially empowered and felt it was going to make a great deal of difference to her.

Kathryn Graves, ANZ Senior Personal Banker

Preparing for the unexpected
Carol, a single mum, now has a new car and financial security for her children after an A-Z Review^® helped her consider things she simply hadn’t had time to before.

Carol’s old car needed replacing which is what drove her to visit us. Stephanie, an ANZ Specialist not only helped Carol with her new loan but also encouraged her to have an
A-Z Review^®.

During the conversation they uncovered that Carol’s home loan insurance had also expired, leaving her and her children in a potentially vulnerable position.

Following her A-Z Review^®, not only did Carol have a new car on the road, financed with a new loan, she also had an everyday bank account and insurance to cover the unexpected, helping to ensure financial security for her and her children.

“I’d never really thought about things until now. With four kids I’ve just been so busy. I can’t thank you enough!” Carol comes in more regularly now – after all, she’s got a new car!

Stephanie Ong, ANZ Specialist

Easing the pressure
Laura now has extra money available for life’s little emergencies, even though a few months ago she thought she’d default on her mortgage repayments.

By offering Laura an A-Z Review^® when she contacted us about being late with her mortgage repayments, we were able to consolidate her credit card and personal loan debts, making her home loan repayments easier.

Laura arrived for her A-Z Review^® eager to make things right. In fact, she was so keen that her financial goals were mapped out and ready to share. Through consolidation we were able to make the repayments easier and significantly shortened the timeframe of her home loan, which was one of her major goals. We’re pleased to say that last time we saw Laura she was considerably less stressed knowing she was set up to enjoy the best the future presented.

Myomi Abott, ANZ Personal Banker

More than just a small business
Jim, who had only recently decided to go into business with a partner, now has the funding, insurance and advice he needs to set up a new business premises in Geelong.

Not 100% happy with his current bank, Jim was prompted to use the ANZ Small Business Locator Tool to find a Specialist in Geelong. Understanding that Jim’s personal finances are closely linked to his business, we took a holistic approach for this A-Z Review^®.

Through completing an A-Z Review^® we were able to suggest a business banking solution including new funding, insurance, credit card and Asset Finance. Jim also accepted our recommendation to meet with an ANZ Personal Banker, who provided him with a plan to suit his personal banking needs as well.

Carmen Croce, ANZ Small Business Specialist

What are the benefits to me?
By sitting with a Banking Specialist and having an A-Z Review^®, you’ll be able to explore your current banking, consider your future goals and create an individual plan for you. This one-on-one conversation will help you identify solutions that may suit you better.

Do I need to go into a branch to do this?
Yes, an A-Z Review^® is conducted in all our branches. This is a personalised service and is available at any of our branches across Australia. To book an appointment, you can either:
 

• Locate your nearest ANZ branch
• Book an appointment online

Who will have this conversation with me?
We understand that everyone’s situation can be very different. Therefore we have ANZ Personal Bankers and ANZ Small Business Specialists available in every branch. We also have ANZ Retirement Banking Specialists and ANZ Agri Business Specialists available in selected branches.

What sort of things will we discuss?
Through your conversation we will discuss your current financial situation; including products you have with us and with other financial institutions, your plans for the future and ways to optimise your banking.

What are the outcomes?
This one-on-one conversation will help you identify solutions that may suit you better Following your A-Z Review^® you will have an individual plan based on your current banking and your future goals.

How long does it take?
The review is straightforward, and should help you with your next financial decisions and provide you with the information you need to move forward. Your conversation should take approximately 20-30 minutes.

What do I need to bring?
Bring any information about your current banking, including statements and documents from your existing banking accounts, both ANZ and non-ANZ accounts.

How is this different to Financial Planning?
During your A-Z Review^® our specialists will discuss your current and future banking needs. If you require advice on matters such as building your savings and investment, preparing yourself for retirement or protecting you and your family, we can organise a time that is convenient for you to meet with an ANZ Financial Planner. Your initial appointment with an ANZ Financial Planner is complimentary and without obligation.

What if I am not currently an ANZ customer?
An A-Z Review^® is not just for existing ANZ customers, we offer this complimentary, obligation free review to everyone.

How much does it cost?
An A-Z Review^® has no cost and no obligation, it is a complimentary service offered to you in every ANZ branch across Australia.

What if English is my second language?
We have international banking hub branches in every capital city across Australia with multi-lingual staff, who will be able to help you with your A-Z Review^®.