Australia and New Zealand Banking Group Limited (ANZ) is an international financial institution that delivers a wide array of banking and financial services and products, both domestically in Australia and in global markets. Its Australian retail banking arm provides individual consumers with offerings such as home mortgages, personal credit, savings accounts, and credit cards. These services are accessible via a diverse range of channels, including physical branches, specialized home loan advisors, call centers, digital self-service platforms, and external brokers, in addition to comprehensive financial planning guidance.