The back pedalling on investor loans and interest-only loans by Westpac over recent months has opened a void filled, in large part, by ANZ. Or so monthly AFG Competition Index suggests.The index, drawn from AFG's own new business levels in August 2017, casts ANZ as opportunist at a time the wider market, and major banks in particular, are wary of two speed limits set by APRA on two sensitive loan types."ANZ is appealing to those seeking to refinance," Mark Hewitt, AFG's general manager of residential and broker, said in the commentary for the index."Their market share amongst refinancers has jumped from 15.2 per cent to 18.5 per cent" across the last three months.ANZ, he said, "is taking the lion's share of fixed rate business jumping from 10.5 per cent in June to 20.8 per cent" by the end of February.In the AFG universe, fixed rate products are still in high demand. ANZ, Hewitt said, "is taking the lion's share of fixed rate business jumping from 10.5 per cent in June to 20.8 per cent by the end of the quarter."