Under the new guidelines, ANZ will only offer home loans to company or trustee borrowers who are existing customers. To qualify, these borrowers must have maintained an open ANZ lending product for at least six months or held a term deposit, transaction, or savings account for a minimum of 12 months. Additionally, the bank has imposed a maximum loan-to-value ratio (LVR) of 70% for such loans, thereby limiting the borrowing capacity relative to the property's value.

This policy adjustment aims to mitigate potential risks associated with complex borrowing structures and to ensure that the bank's lending practices remain prudent amid fluctuating market dynamics. By focusing on existing customers with established banking relationships, ANZ seeks to enhance its risk management framework and maintain financial stability.

For businesses considering property investments or refinancing options, these changes underscore the importance of maintaining strong banking relationships and being aware of evolving lending criteria. Companies may need to explore alternative financing avenues or adjust their financial strategies to align with the new requirements.

In summary, ANZ's recent policy changes highlight the bank's proactive approach to managing lending risks associated with company borrowers. Businesses should stay informed about such developments to make well-informed financial decisions in a dynamic economic environment.